South Indian Bank Limited (IN:SOUTHBANK)
:SOUTHBANK
Want to see IN:SOUTHBANK full AI Analyst Report?
SOUTHBANK Stock Chart & Stats
₹38.95
₹0.41(1.61%)
At close: 4:00 PM EST
₹38.95
₹0.41(1.61%)
Day’s Range― - ―
52-Week Range₹28.13 - ₹46.85
Previous CloseN/A
Volume16.44M
Average Volume (3M)1.78M
Market Cap
₹106.54B
Enterprise Value₹44.45B
Total Cash (Recent Filing)₹100.85B
Total Debt (Recent Filing)₹66.47B
Price to Earnings (P/E)5.5
Beta0.90
Next Earnings
Jul 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.05%
Share Statistics
EPS (TTM)5.19
Shares Outstanding2,617,591,800
10 Day Avg. Volume3,908,439
30 Day Avg. Volume1,784,160
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.78
Price to Sales (P/S)0.76
P/FCF Ratio4.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.1
Revenue Forecast (FY)₹60.52B
Bulls Say, Bears Say
Bulls Say
Profitability TurnaroundNet income rose from 0.6B (FY2021) to 14.6B (FY2026) with net margin expanding to ~12.3% and EBIT margin ~16.5%. This reflects durable improvements in core earnings drivers, providing a larger earnings cushion to absorb credit shocks and support retained-capital funded growth over the medium term.
Balance-sheet DeleveragingLeverage materially declined while equity grew from 66.7B to 114.2B as assets expanded 1.08T to 1.42T. Lower debt-to-equity reduces funding and solvency risk, enhances regulatory headroom and gives management durable capacity to grow the loan book or absorb losses without immediate capital-raising.
Stable Return On EquityConsistent ROE in the low-teens indicates the bank generates recurring returns on equity, supporting internal capital generation. Combined with revenue growth from 76.3B to 118.6B (FY2022–FY2026), this stability underpins long-term reinvestment capacity and competitive viability among regional banks.
Bears Say
Volatile Cash GenerationOperating and free cash flows have exhibited large swings, with strong positives in some years and steep negatives in others. Such volatility undermines the reliability of earnings conversion, constrains predictable loan funding, dividends or buybacks, and raises sensitivity to provisioning or funding shocks over the medium term.
Legacy Leverage And Low Returns EarlierPrior-cycle high leverage and weak returns indicate the franchise required restructuring and capital repair. Although metrics improved, the historical weakness signals potential legacy asset-quality or business-model risks that could re-emerge under stress, limiting strategic flexibility and requiring ongoing monitoring.
Uneven/softening Revenue GrowthRevenue rose from 76.3B to 118.6B over the period but growth was uneven and slowed in FY2026. Persistent top-line moderation can cap net interest income expansion and fee growth, making it harder to sustain margin and profitability improvements without resumed structural loan or fee momentum.
South Indian Bank Limited News
SOUTHBANK FAQ
What was South Indian Bank Limited’s price range in the past 12 months?
South Indian Bank Limited lowest stock price was ₹28.13 and its highest was ₹46.85 in the past 12 months.
What is South Indian Bank Limited’s market cap?
South Indian Bank Limited’s market cap is ₹106.54B.
When is South Indian Bank Limited’s upcoming earnings report date?
South Indian Bank Limited’s upcoming earnings report date is Jul 16, 2026 which is in 51 days.
How were South Indian Bank Limited’s earnings last quarter?
South Indian Bank Limited released its earnings results on May 06, 2026. The company reported ₹1.6 earnings per share for the quarter, beating the consensus estimate of N/A by ₹1.6.
Is South Indian Bank Limited overvalued?
According to Wall Street analysts South Indian Bank Limited’s price is currently Overvalued.
Does South Indian Bank Limited pay dividends?
South Indian Bank Limited pays a Annually dividend of ₹0.4 which represents an annual dividend yield of 1.05%. See more information on South Indian Bank Limited dividends here
What is South Indian Bank Limited’s EPS estimate?
South Indian Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does South Indian Bank Limited have?
South Indian Bank Limited has 2,617,591,800 shares outstanding.
What happened to South Indian Bank Limited’s price movement after its last earnings report?
South Indian Bank Limited reported an EPS of ₹1.6 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 3.81%.
Which hedge fund is a major shareholder of South Indian Bank Limited?
Currently, no hedge funds are holding shares in IN:SOUTHBANK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
South Indian Bank Limited
The South Indian Bank Limited provides various banking products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. Its personal banking products and services include savings and current accounts, term deposits, and unclaimed deposits/inoperative accounts; personal, car, home, gold, educational, property, and other loans, as well as one time settlement scheme for micro and small enterprises sector; and mutual funds. The company also offers insurance products, such as life insurance, health insurance, and various credit risk insurance, as well as general insurance products, such as fire, liability, marine, motor, personal accident, and travel insurance products. In addition, it provides money transfer services; various cards; and value added services, including SIB rewardz, KYC certification of mutual fund investors, SIB e-academia, 3-in-one trading KIT, green pin, SIB feebook, branch banking, FX-retail, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and Internet banking, demat, pension system, online trading, SIB collect, PAN service agency, cash management, travel card, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. The company's NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits, as well as portfolio investment schemes. Its business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; mortgage and business loans; and merchant acquiring services. As of March 31, 2022, the company had a network of 935 branches and 1270 ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.
Technical Analysis
City Union Bank Limited
―
Equitas Small Finance Bank Ltd.
―
Karnataka Bank Ltd.
―
Tamilnad Mercantile Bank Limited
―
Ujjivan Small Finance Bank Ltd.
―