Central Bank of India Logo

Central Bank of India

CENTRALBK.NS

(2.5)
Stock Price

51,92 INR

0.69% ROA

9.88% ROE

15.72x PER

Market Cap.

489.691.825.400,00 INR

71.22% DER

0% Yield

11.18% NPM

Central Bank of India Stock Analysis

Central Bank of India Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Central Bank of India Fundamental Stock Analysis
# Analysis Rating
1 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 ROE

The stock's ROE falls within an average range (6.76%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.46%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.31x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock maintains a fair debt to equity ratio (56%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (273), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

Central Bank of India Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Central Bank of India Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Central Bank of India Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Central Bank of India Revenue
Year Revenue Growth
2002 22.208.670.000
2003 30.961.320.000 28.27%
2004 33.010.900.000 6.21%
2005 29.194.280.000 -13.07%
2006 29.575.220.000 1.29%
2007 30.227.229.000 2.16%
2008 33.048.198.000 8.54%
2009 42.976.177.000 23.1%
2010 66.161.940.000 35.04%
2011 65.926.595.000 -0.36%
2012 74.331.695.000 11.31%
2013 84.478.016.000 12.01%
2014 91.773.610.000 7.95%
2015 89.685.120.000 -2.33%
2016 94.809.093.000 5.4%
2017 91.846.946.000 -3.23%
2018 92.347.212.000 0.54%
2019 113.158.403.000 18.39%
2020 110.712.116.000 -2.21%
2021 125.008.502.000 11.44%
2022 158.364.900.000 21.06%
2023 164.032.400.000 3.46%
2023 355.619.800.000 53.87%
2024 381.334.800.000 6.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Central Bank of India Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Central Bank of India General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 161.570.000
2003 229.830.000 29.7%
2004 242.510.000 5.23%
2005 235.680.000 -2.9%
2006 231.160.000 -1.96%
2007 293.512.000 21.24%
2008 0 0%
2009 321.854.000 100%
2010 376.422.000 14.5%
2011 324.729.000 -15.92%
2012 262.408.000 -23.75%
2013 363.634.000 27.84%
2014 432.359.000 15.9%
2015 450.009.000 3.92%
2016 518.833.000 13.27%
2017 387.132.000 -34.02%
2018 487.537.000 20.59%
2019 628.995.000 22.49%
2020 550.286.000 -14.3%
2021 499.341.000 -10.2%
2022 628.159.000 20.51%
2023 0 0%
2023 700.682.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Central Bank of India EBITDA
Year EBITDA Growth
2002 35.688.230.000
2003 36.489.600.000 2.2%
2004 32.469.890.000 -12.38%
2005 33.225.280.000 2.27%
2006 43.380.280.000 23.41%
2007 65.217.081.000 33.48%
2008 90.370.935.000 27.83%
2009 108.184.347.000 16.47%
2010 113.286.948.000 4.5%
2011 146.738.305.000 22.8%
2012 173.516.152.000 15.43%
2013 169.162.132.000 -2.57%
2014 200.432.598.000 15.6%
2015 177.181.370.000 -13.12%
2016 159.796.816.000 -10.88%
2017 127.622.568.000 -25.21%
2018 -56.169.251.000 327.21%
2019 -12.557.234.000 -347.31%
2020 -10.001.100.000 -25.56%
2021 10.757.916.000 192.97%
2022 16.787.784.000 35.92%
2023 23.219.600.000 27.7%
2023 5.915.300.000 -292.53%
2024 8.208.000.000 27.93%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Central Bank of India Gross Profit
Year Gross Profit Growth
2002 22.208.670.000
2003 30.961.320.000 28.27%
2004 33.010.900.000 6.21%
2005 29.194.280.000 -13.07%
2006 29.575.220.000 1.29%
2007 30.227.229.000 2.16%
2008 33.048.198.000 8.54%
2009 42.976.177.000 23.1%
2010 66.161.940.000 35.04%
2011 65.926.595.000 -0.36%
2012 74.331.695.000 11.31%
2013 84.478.016.000 12.01%
2014 91.773.610.000 7.95%
2015 89.685.120.000 -2.33%
2016 94.809.093.000 5.4%
2017 91.846.946.000 -3.23%
2018 92.347.212.000 0.54%
2019 113.158.403.000 18.39%
2020 110.712.116.000 -2.21%
2021 125.008.502.000 11.44%
2022 158.364.900.000 21.06%
2023 164.032.400.000 3.46%
2023 355.619.800.000 53.87%
2024 381.334.800.000 6.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Central Bank of India Net Profit
Year Net Profit Growth
2002 3.201.130.000
2003 6.368.840.000 49.74%
2004 3.472.640.000 -83.4%
2005 2.522.620.000 -37.66%
2006 5.154.430.000 51.06%
2007 5.946.016.000 13.31%
2008 6.358.499.000 6.49%
2009 11.625.517.000 45.31%
2010 11.613.688.000 -0.1%
2011 5.440.906.000 -113.45%
2012 10.260.405.000 46.97%
2013 -12.556.808.000 181.71%
2014 6.139.861.000 304.51%
2015 -14.109.514.000 143.52%
2016 -24.444.587.000 42.28%
2017 -51.015.643.000 52.08%
2018 -56.335.111.000 9.44%
2019 -11.309.525.000 -398.12%
2020 -8.837.081.000 -27.98%
2021 10.573.415.000 183.58%
2022 16.787.784.000 37.02%
2023 24.878.000.000 32.52%
2023 26.676.808.000 6.74%
2024 37.696.800.000 29.23%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Central Bank of India Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 7
2003 13 53.85%
2004 7 -85.71%
2005 5 -40%
2006 11 50%
2007 13 23.08%
2008 12 -18.18%
2009 23 52.17%
2010 25 8%
2011 7 -257.14%
2012 12 36.36%
2013 -1 1200%
2014 5 125%
2015 -2 500%
2016 -3 50%
2017 -6 60%
2018 -6 16.67%
2019 -1 -500%
2020 -1 0%
2021 1 200%
2022 2 0%
2023 3 50%
2023 3 33.33%
2024 4 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Central Bank of India Free Cashflow
Year Free Cashflow Growth
2003 4.593.890.000
2004 22.151.020.000 79.26%
2005 -24.846.700.000 189.15%
2006 37.679.630.000 165.94%
2007 32.956.630.000 -14.33%
2008 -17.431.898.000 289.06%
2009 63.175.500.000 127.59%
2010 -65.981.200.000 195.75%
2011 -22.980.100.000 -187.12%
2012 -15.650.200.000 -46.84%
2013 -28.948.600.000 45.94%
2014 11.736.000.000 346.66%
2015 -250.300.000 4788.77%
2016 616.789.900.000 100.04%
2017 -446.907.800.000 238.01%
2018 -147.644.000.000 -202.69%
2019 13.659.300.000 1180.9%
2020 -22.085.000.000 161.85%
2021 141.187.900.000 115.64%
2022 -89.986.200.000 256.9%
2023 0 0%
2023 188.132.300.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Central Bank of India Operating Cashflow
Year Operating Cashflow Growth
2003 5.705.610.000
2004 22.699.920.000 74.87%
2005 -24.388.970.000 193.07%
2006 39.053.550.000 162.45%
2007 33.846.539.000 -15.38%
2008 -16.709.079.000 302.56%
2009 64.594.900.000 125.87%
2010 -63.625.800.000 201.52%
2011 -20.706.800.000 -207.27%
2012 -10.953.500.000 -89.04%
2013 -24.897.200.000 56.01%
2014 22.737.100.000 209.5%
2015 2.812.900.000 -708.32%
2016 618.706.700.000 99.55%
2017 -443.764.200.000 239.42%
2018 -145.099.800.000 -205.83%
2019 16.878.900.000 959.65%
2020 -20.033.300.000 184.25%
2021 142.765.500.000 114.03%
2022 -87.863.400.000 262.49%
2023 0 0%
2023 194.004.800.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Central Bank of India Capital Expenditure
Year Capital Expenditure Growth
2003 1.111.720.000
2004 548.900.000 -102.54%
2005 457.730.000 -19.92%
2006 1.373.920.000 66.68%
2007 889.909.000 -54.39%
2008 722.819.000 -23.12%
2009 1.419.400.000 49.08%
2010 2.355.400.000 39.74%
2011 2.273.300.000 -3.61%
2012 4.696.700.000 51.6%
2013 4.051.400.000 -15.93%
2014 11.001.100.000 63.17%
2015 3.063.200.000 -259.14%
2016 1.916.800.000 -59.81%
2017 3.143.600.000 39.03%
2018 2.544.200.000 -23.56%
2019 3.219.600.000 20.98%
2020 2.051.700.000 -56.92%
2021 1.577.600.000 -30.05%
2022 2.122.800.000 25.68%
2023 0 0%
2023 5.872.500.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Central Bank of India Equity
Year Equity Growth
2002 18.679.080.000
2003 24.546.530.000 23.9%
2004 27.575.060.000 10.98%
2005 29.441.430.000 6.34%
2006 33.161.080.000 11.22%
2007 60.002.855.000 44.73%
2008 65.453.751.000 8.33%
2009 79.328.142.000 17.49%
2010 110.284.250.000 28.07%
2011 126.868.289.000 13.07%
2012 155.655.757.000 18.49%
2013 160.410.172.000 2.96%
2014 177.676.991.000 9.72%
2015 185.426.405.000 4.18%
2016 182.460.510.000 -1.63%
2017 182.502.698.000 0.02%
2018 194.394.923.000 6.12%
2019 215.818.199.000 9.93%
2020 265.473.832.000 18.7%
2021 276.071.055.000 3.84%
2022 292.840.400.000 5.73%
2023 304.052.400.000 3.69%
2023 324.505.700.000 6.3%
2024 323.970.300.000 -0.17%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Central Bank of India Assets
Year Assets Growth
2002 567.780.720.000
2003 630.657.980.000 9.97%
2004 683.080.990.000 7.67%
2005 743.554.390.000 8.13%
2006 926.586.690.000 19.75%
2007 1.241.135.449.000 25.34%
2008 1.478.704.985.000 16.07%
2009 1.829.421.563.000 19.17%
2010 2.099.733.145.000 12.87%
2011 2.301.762.789.000 8.78%
2012 2.686.817.092.000 14.33%
2013 2.900.946.436.000 7.38%
2014 3.127.658.123.000 7.25%
2015 3.066.211.453.000 -2%
2016 3.346.949.229.000 8.39%
2017 3.273.492.986.000 -2.24%
2018 3.318.846.415.000 1.37%
2019 3.573.374.467.000 7.12%
2020 3.699.744.821.000 3.42%
2021 3.874.352.680.000 4.51%
2022 4.070.797.100.000 4.83%
2023 4.276.809.100.000 4.82%
2023 4.477.715.700.000 4.49%
2024 4.493.328.600.000 0.35%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Central Bank of India Liabilities
Year Liabilities Growth
2002 549.101.640.000
2003 606.111.450.000 9.41%
2004 655.505.930.000 7.54%
2005 714.112.960.000 8.21%
2006 893.425.610.000 20.07%
2007 1.181.132.594.000 24.36%
2008 1.413.251.234.000 16.42%
2009 1.750.093.421.000 19.25%
2010 1.989.448.895.000 12.03%
2011 2.174.894.500.000 8.53%
2012 2.531.161.335.000 14.08%
2013 2.740.536.264.000 7.64%
2014 2.949.981.132.000 7.1%
2015 2.880.785.048.000 -2.4%
2016 3.164.488.719.000 8.97%
2017 3.090.990.288.000 -2.38%
2018 3.124.451.492.000 1.07%
2019 3.357.556.268.000 6.94%
2020 3.434.270.989.000 2.23%
2021 3.598.281.625.000 4.56%
2022 3.777.956.700.000 4.76%
2023 171.256.300.000 -2106.02%
2023 4.153.210.000.000 95.88%
2024 4.169.358.300.000 0.39%

Central Bank of India Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
32.1
Net Income per Share
3.59
Price to Earning Ratio
15.72x
Price To Sales Ratio
1.76x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.52
EV to Sales
1.16
EV Over EBITDA
16.86
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
489,69 Bil.
Enterprise Value
323,65 Bil.
Graham Number
54.83
Graham NetNet
-453.12

Income Statement Metrics

Net Income per Share
3.59
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.81
EBT Per Ebit
1.53
Ebit per Revenue
0.09
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.09
Pretax Profit Margin
0.14
Net Profit Margin
0.11

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
27,16
Book Value per Share
37,32
Tangible Book Value per Share
37.31
Shareholders Equity per Share
37.23
Interest Debt per Share
47.97
Debt to Equity
0.71
Debt to Assets
0.05
Net Debt to EBITDA
-8.65
Current Ratio
0
Tangible Asset Value
323,88 Bil.
Net Current Asset Value
-3.773,13 Bil.
Invested Capital
449462200000
Working Capital
396,23 Bil.
Intangibles to Total Assets
0
Average Receivables
23,94 Bil.
Average Payables
3,25 Bil.
Average Inventory
164098305500
Debt to Market Cap
0.47

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Central Bank of India Dividends
Year Dividends Growth
2008 2
2009 4 50%
2010 3 -33.33%
2011 2 -200%
2012 2 50%
2013 3 0%
2015 1 0%

Central Bank of India Profile

About Central Bank of India

Central Bank of India operates as a commercial bank in India. The company offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes, as well as small saving scheme; and loans, including housing, vehicle, property, personal, senior citizens, education, and agricultural, as well as micro small and medium enterprises loans. It also provides credit, debit, and prepaid/gift cards, as well as cash management, mutual funds, depository, mobile and Internet banking, and ATM services. In addition, the company offers corporate loans, such as project finance, infrastructure funding, financing to infrastructure investment trusts, short term corporate loans, advances, working capital facilities, line of credit, export finance, foreign currency loan, bills purchase/discount/negotiation facilities, non-fund based facilities, and facilities to other industries. Further, the company sells and distributes life, general, and health insurance products, including unit linked, whole life, children, money back, endowment, pension, health, property, personal, fire, burglary, engineering, motor, package, travel, and group insurance products, as well as protection and retirement solutions. As of March 31, 2022, it operated through a network of 4,528 branches; 2,976 ATMs; 10 satellite offices; and 1 extension counter. Central Bank of India has a strategic co lending partnership with IIFL Home Finance Limited to offer SME LAP loan products under priority sector to MSME borrowers. The company was incorporated in 1911 and is headquartered in Mumbai, India.

CEO
Mr. Matam Venkata Rao
Employee
31.610
Address
Chandermukhi
Mumbai, 400021

Central Bank of India Executives & BODs

Central Bank of India Executives & BODs
# Name Age
1 Mr. Malladi Venkat Murali Krishna
Executive Director
70
2 Mr. Vijay Vasantrao Murar
General Manager of Treasury & ID
70
3 Mr. Sunil Arora
Chief Vigilance Officer
70
4 Mr. Mukul N. Dandige
GM of F&A and Chief Financial Officer
70
5 Mr. Chandrakant C. Bhagwat
Chief Compliance Officer & Company Secretary
70
6 Dr. Bhaskar Gorugantu
Chief Risk Officer
70
7 Mr. Mahendra Dohare
Executive Director
70
8 Mr. Matam Venkata Rao
MD, Chief Executive Officer & Director
70
9 Mr. Vivek Wahi
Executive Director
70
10 Mr. P. V. Raveendran
General Manager of Accounts and Operations
70

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