Whalesbook: AI-Powered Stock Updates via WhatsApp

Stock Analysis

Description

CSB Bank Limited, a private sector bank with a long history, provides banking services focusing on SME, retail, and NRI customers, operating primarily from Kerala.

Key Growth Triggers

Currently no data available for Key Growth Triggers.

Order Book

Currently no data available for Order Book.

Key Red Flags

Currently no data available for Key Red Flags.

Key Dates To Watch

The news pertains to a transaction on January 9, 2026, relating to the exercise of employee stock options.

Corporate Announcements

2nd Apr 26

Impact Rating: 8

CSB Bank's provisional financial update for FY26 highlights a 20% year-on-year increase in total deposits to ₹44,246 crore. Gross advances also grew 27% to ₹40,364 crore, with advances against gold up 53%.

25th Mar 26

Impact Rating: 5

In compliance with insider trading rules, CSB Bank is shutting its trading window for designated persons and connected individuals from April 1, 2026. It will reopen post-declaration of audited financial results.

20th Mar 26

Impact Rating: 4

CSB Bank disclosed its participation in a meeting on March 20, 2026, with Beas Capital in Mumbai, adhering to SEBI rules by confirming no unpublished price-sensitive information was shared.

16th Mar 26

Impact Rating: 4

CSB Bank Limited disclosed its participation in Analyst and Institutional Investor meetings that took place on March 16, 2026. Key attendees included Amansa Capital and Wisconsin Investment Management Company (WISIMCO) in Mumbai, with no UPSI exchanged.

9th Mar 26

Impact Rating: 7

CSB Bank announced that its ESOS Trust transferred 34,000 equity shares to three eligible grantees on March 9, 2026. This followed the exercise of vested stock options under the CSB Employee Stock Option Scheme 2019.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	HDFC Bank	962.20	20.46	1480304.02	1.14	20363.77	10.01	86993.84	4.81	7.51	346185.22	42.61	72360.07	19610.67	2.74	1.74	6.30
2.	ICICI Bank	1411.20	18.93	1009125.36	0.78	14318.15	3.16	48180.91	4.00	7.87	192684.91	28.30	53300.25	13357.06	3.03	2.18	5.58
3.	Kotak Mah. Bank	2146.40	22.99	426940.12	0.12	4468.27	-11.42	17198.74	4.70	8.17	67852.12	27.80	18574.23	4468.27	2.54	2.68	3.62
4.	Axis Bank	1293.80	15.46	401735.44	0.08	5566.56	-25.31	32309.77	2.24	7.11	129272.60	59.67	25988.99	5527.85	2.02	1.78	7.28
5.	IDBI Bank	108.22	12.53	116362.50	1.94	3240.77	73.56	7109.01	-4.51	6.78	28937.85	70.49	9284.32	3229.58	1.71	1.97	4.81
6.	IDFC First Bank	84.73	50.68	72831.27	0.30	347.80	64.10	9936.93	10.94	6.22	38335.01	32.47	1437.04	347.80	1.34	0.46	6.85
7.	Yes Bank	22.81	25.23	71575.43	0.00	664.31	17.25	7388.75	-4.50	6.36	30449.57	59.65	2836.87	664.31	1.45	0.59	7.29
8.	CSB Bank	536.15	14.98	9301.44	0.00	160.33	15.84	1109.16	28.25	7.11	4050.37	52.88	621.00	160.33	1.98	1.42	9.36
–	Median: 20 Co.	265.82	15.46	25181.35	0.71	349.59	3.95	4430.65	4.35	6.95	17851.24	59.66	1397.21	349.59	1.4	1.35	7.29

Quarterly Results

Standalone figures in ₹ crores

	Dec 2022	Dec 2023	Dec 2024	Jun 2023	Jun 2024	Jun 2025	Mar 2023	Mar 2024	Mar 2025	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	231	308	391	307	381	465	263	376	496	209	308	380	557
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	90	125	219	120	172	245	126	197	381	45	143	199	349
Profit before tax	208	200	204	177	152	160	211	206	257	161	178	186	216
Tax %	25%	25%	26%	25%	26%	26%	26%	27%	26%	25%	25%	26%	26%
Net Profit	156	150	152	132	113	119	156	151	190	121	133	138	160
EPS in Rs	8.99	8.64	8.74	7.62	6.53	6.84	9.01	8.73	10.98	6.95	7.68	7.98	9.24

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	442	555	643	589	644	859	656	911	748	873	1,244	1,572	1,909
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	117	127	105	281	125	136	222	303	247	316	584	972	1,195
Interest	1,125	1,189	1,159	1,023	912	908	918	931	885	986	1,451	2,121	2,501
Depreciation	7	11	14	15	16	17	24	41	38	43	56	76	0
Profit before tax	47	-82	-228	-9	-149	-300	134	293	614	734	761	800	836
Net Profit	31	-53	-150	2	-97	-197	13	218	458	547	567	594	621
EPS in Rs	7.40	-8.81	-20.88	0.19	-12.04	-22.98	0.73	12.59	26.43	31.55	32.67	34.23	35.80
Dividend Payout %	14%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	42	60	72	81	81	86	174	174	174	174	174	174	174
Reserves	578	828	821	918	808	1,346	1,787	2,007	2,478	3,030	3,630	4,324	4,527
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	316	351	279	271	249	356	319	591	509	670	776	931	1,342
Total Liabilities	15,165	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836	50,020
Fixed Assets	48	175	215	215	216	218	253	269	288	319	406	450	671
Gross Block	127.48	263.89	312.80	321.35	323.66	331.26	415.41	464.76	519.60	589.05	727.15	723.53	–
Accumulated Depreciation	79.15	88.79	97.71	106.09	107.54	113.53	161.92	195.27	231.74	269.68	321.24	273.89	–
CWIP	0	0	0	0	0	0	0	0	0	0	0	179	0
Investments	5,132	4,427	5,987	5,762	4,114	4,028	5,360	6,126	7,012	5,849	7,551	11,389	10,799
Other Assets	9,985	11,158	9,450	10,246	11,540	12,666	13,251	16,942	18,057	22,994	28,099	35,818	38,550
Total Assets	15,165	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836	50,020

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	–	-356	-166	395	27	-893	-1,109	1,374	-852	2,211	1,783	-5,256
Cash from Investing Activity	–	-16	-13	-17	-18	-22	-235	-1,231	131	-724	-1,439	1,904
Cash from Financing Activity	–	97	106	106	-5	674	1,310	632	581	-1,224	974	3,789
Net Cash Flow	–	-276	-72	485	4	-242	-34	775	-140	263	1,318	437

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	49.72%	49.72%	49.72%	49.72%	49.72%	49.72%	40.00%	40.00%	40.00%	40.00%	40.00%	40.00%
FIIs	5.37%	5.73%	5.89%	4.65%	4.62%	4.93%	12.42%	12.71%	12.80%	13.07%	15.37%	14.23%
DIIs	11.92%	11.61%	12.19%	14.35%	16.07%	15.94%	18.71%	17.59%	17.06%	16.89%	14.63%	16.10%
Public	30.10%	30.07%	29.32%	28.43%	26.74%	26.80%	26.34%	27.18%	27.63%	27.65%	27.62%	27.29%