South Indian Bank Limited (SOUTHBANK) AI Stock Analysis

• Market Cap: ₹75.15B
• Dividend Yield: 1.39%
• Average Volume (3M): 595.15K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 0.97
• Revenue Growth: 10.26%
• EPS Growth: 1.35%
• Country: IN
• Employees: 13,116
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 1.23
• Shares Outstanding: 2,616,527,600
• 10 Day Avg. Volume: 447,997
• 30 Day Avg. Volume: 595,155
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹40.00
• Price Target Upside: 40.01% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 67 Neutral
• Price Target: ₹32.00 ▲(12.01% Upside)

South Indian Bank Limited's overall stock score is driven by its strong valuation metrics, indicating potential undervaluation. While financial performance shows a solid foundation, challenges in cash flow management and increased leverage need to be addressed. Technical indicators suggest weak momentum, which could impact short-term performance.

South Indian Bank Limited Business Overview & Revenue Model

Company Description

South Indian Bank Limited (SOUTHBANK) is a prominent financial institution in India, primarily operating in the banking sector. The bank offers a wide range of services including personal banking, corporate banking, NRI banking, and treasury operations. It provides various financial products like savings accounts, fixed deposits, loans, credit cards, and insurance products catering to both individual and corporate clients. With a strong presence across the country, South Indian Bank focuses on delivering high-quality customer service and innovative banking solutions.

How the Company Makes Money

South Indian Bank Limited generates revenue through multiple channels, primarily from interest income on loans and advances, which constitutes the majority of its earnings. The bank lends to individuals, small and medium enterprises, and large corporations, earning interest over the loan tenure. Additionally, it earns non-interest income from fees and commissions related to its banking services, such as transaction fees, service charges, and charges for processing loans and credit cards. The bank also generates income through investments in government securities and other financial instruments, benefiting from interest and dividends. Partnerships with financial service providers for insurance and mutual funds distribution further contribute to its income. Moreover, South Indian Bank leverages its extensive branch network and digital banking platforms to reach a broad customer base, enhancing its revenue-generating capabilities.

South Indian Bank Limited Financial Statement Overview

Summary

South Indian Bank Limited demonstrates strong profitability and a solid equity position, indicating a robust financial foundation. However, challenges in cash flow management and increased leverage require attention to sustain growth and stability.

Income Statement

The income statement demonstrates strong profitability metrics with a significant increase in net income over the years. Gross and net profit margins have been healthy, though revenue growth has been inconsistent. The bank managed to grow its EBIT and EBITDA margins, indicating improved operational efficiency.

Balance Sheet

The balance sheet shows a good equity position with a favorable equity ratio, suggesting financial stability. However, the debt-to-equity ratio has increased, pointing to higher leverage, which could pose a risk if not managed carefully. The return on equity has improved, indicating efficient use of equity.

Cash Flow

Cash flow analysis reveals challenges in maintaining positive operating cash flow consistently, with occasional negative figures. Free cash flow has fluctuated significantly, indicating potential volatility in cash management. However, the free cash flow to net income ratio suggests adequate cash generation relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	65.11B	47.85B	101.27B	81.82B	76.28B	20.61B
Gross Profit	50.39B	47.85B	45.08B	39.61B	19.34B	20.61B
EBITDA	13.63B	18.59B	16.19B	13.34B	-82.03M	863.52M
Net Income	13.03B	13.03B	10.70B	7.75B	448.08M	619.11M
Balance Sheet
Total Assets	1.25T	1.25T	1.17T	1.08T	1.00T	941.49B
Cash, Cash Equivalents and Short-Term Investments	122.60B	122.60B	19.20B	70.80B	113.94B	100.08B
Total Debt	43.00B	43.00B	42.96B	73.35B	34.20B	56.72B
Total Liabilities	1.15T	1.15T	1.09T	1.01T	941.98B	883.40B
Stockholders Equity	101.08B	101.08B	88.26B	66.75B	58.54B	58.09B
Cash Flow
Free Cash Flow	0.00	-81.14B	68.93B	-73.74B	42.50B	57.27B
Operating Cash Flow	0.00	-79.56B	30.41B	-72.61B	43.52B	58.08B
Investing Cash Flow	0.00	44.34B	-19.86B	-3.86B	-17.41B	-10.92B
Financing Cash Flow	0.00	57.60B	81.21B	35.24B	-1.75B	-1.38B

South Indian Bank Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 28.57
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SOUTHBANK, the sentiment is Neutral. The current price of 28.57 is below the 20-day moving average (MA) of 29.38, below the 50-day MA of 29.55, and above the 200-day MA of 26.40, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 39.79 is Neutral, neither overbought nor oversold. The STOCH value of 47.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:SOUTHBANK.

South Indian Bank Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
SOUTHBANK	67 Neutral	₹75.15B	5.79		1.39%	10.26%	1.35%
CSBBANK	―	₹62.73B	10.47		―	―	―
DCBBANK	―	₹39.93B	6.16		1.06%	―	―
EQUITASBNK	46 Neutral	₹58.52B	44.89		1.94%	13.47%	-115.98%
KTKBANK	―	₹66.34B	5.66		3.14%	―	―
TMB	71 Outperform	₹67.38B	5.63		2.58%	9.84%	9.30%