The South Indian Bank Limited Logo

The South Indian Bank Limited

SOUTHBANK.NS

(2.0)
Stock Price

24,55 INR

0.81% ROA

15.93% ROE

6.24x PER

Market Cap.

56.922.527.973,00 INR

83.19% DER

1.1% Yield

23.12% NPM

The South Indian Bank Limited Stock Analysis

The South Indian Bank Limited 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.

The South Indian Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.87x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (12.26%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.77%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 DER

The stock maintains a fair debt to equity ratio (78%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (597) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing 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.

The South Indian Bank Limited 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.

The South Indian Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

The South Indian Bank Limited 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.

The South Indian Bank Limited Revenue
Year Revenue Growth
2005 3.819.252.000
2006 4.706.889.000 18.86%
2007 5.188.777.000 9.29%
2008 6.863.845.000 24.4%
2009 7.767.985.000 11.64%
2010 9.887.588.000 21.44%
2011 12.679.839.000 22.02%
2012 16.040.429.000 20.95%
2013 17.948.688.000 10.63%
2014 18.500.006.000 2.98%
2015 19.839.519.000 6.75%
2016 23.497.074.000 15.57%
2017 24.931.834.000 5.75%
2018 27.459.023.000 9.2%
2019 30.262.533.000 9.26%
2020 34.006.673.000 11.01%
2021 31.766.666.000 -7.05%
2022 38.234.500.000 16.92%
2023 47.442.400.000 19.41%
2023 48.465.700.000 2.11%

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.

The South Indian Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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.

The South Indian Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 18.316.000
2006 17.098.000 -7.12%
2007 20.740.000 17.56%
2008 22.836.000 9.18%
2009 24.737.000 7.68%
2010 29.988.000 17.51%
2011 44.073.000 31.96%
2012 45.027.000 2.12%
2013 49.407.000 8.87%
2014 67.091.000 26.36%
2015 60.685.000 -10.56%
2016 68.141.000 10.94%
2017 91.274.000 25.34%
2018 118.836.000 23.19%
2019 163.497.000 27.32%
2020 178.664.000 8.49%
2021 166.569.000 -7.26%
2022 250.270.000 33.44%
2023 0 0%
2023 1.305.091.000 100%

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.

The South Indian Bank Limited EBITDA
Year EBITDA Growth
2005 5.142.687.000
2006 7.249.942.000 29.07%
2007 10.789.110.000 32.8%
2008 13.726.878.000 21.4%
2009 16.179.501.000 15.16%
2010 19.702.947.000 17.88%
2011 29.945.440.000 34.2%
2012 38.492.205.000 22.2%
2013 43.898.384.000 12.32%
2014 43.868.279.000 -0.07%
2015 46.241.951.000 5.13%
2016 48.372.462.000 4.4%
2017 47.909.096.000 -0.97%
2018 51.739.925.000 7.4%
2019 56.735.502.000 8.81%
2020 50.678.482.000 -11.95%
2021 43.386.389.000 -16.81%
2022 11.959.900.000 -262.77%
2023 16.372.400.000 26.95%
2023 16.192.400.000 -1.11%

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.

The South Indian Bank Limited Gross Profit
Year Gross Profit Growth
2005 3.819.252.000
2006 4.706.889.000 18.86%
2007 5.188.777.000 9.29%
2008 6.863.845.000 24.4%
2009 7.767.985.000 11.64%
2010 9.887.588.000 21.44%
2011 12.679.839.000 22.02%
2012 16.040.429.000 20.95%
2013 17.948.688.000 10.63%
2014 18.500.006.000 2.98%
2015 19.839.519.000 6.75%
2016 23.497.074.000 15.57%
2017 24.931.834.000 5.75%
2018 27.459.023.000 9.2%
2019 30.262.533.000 9.26%
2020 34.006.673.000 11.01%
2021 31.766.666.000 -7.05%
2022 38.234.500.000 16.92%
2023 47.442.400.000 19.41%
2023 48.465.700.000 2.11%

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.

The South Indian Bank Limited Net Profit
Year Net Profit Growth
2005 509.013.000
2006 1.041.176.000 51.11%
2007 1.516.235.000 31.33%
2008 1.947.526.000 22.15%
2009 2.337.605.000 16.69%
2010 2.925.641.000 20.1%
2011 4.016.560.000 27.16%
2012 5.022.724.000 20.03%
2013 5.074.970.000 1.03%
2014 3.072.039.000 -65.2%
2015 3.332.664.000 7.82%
2016 3.925.046.000 15.09%
2017 3.348.921.000 -17.2%
2018 2.475.345.000 -35.29%
2019 1.045.896.000 -136.67%
2020 619.106.000 -68.94%
2021 448.081.000 -38.17%
2022 7.753.100.000 94.22%
2023 10.995.600.000 29.49%
2023 10.701.800.000 -2.75%

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.

The South Indian Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 1
2006 1 100%
2007 1 0%
2008 2 0%
2009 2 0%
2010 2 50%
2011 3 33.33%
2012 4 0%
2013 3 0%
2014 2 -50%
2015 2 0%
2016 3 0%
2017 2 -100%
2018 1 0%
2019 1 0%
2020 0 0%
2021 0 0%
2022 3 100%
2023 5 40%
2023 5 0%

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.

The South Indian Bank Limited Free Cashflow
Year Free Cashflow Growth
2005 4.906.943.000
2006 6.156.365.000 20.29%
2007 -5.144.253.000 219.67%
2008 3.755.140.000 236.99%
2009 -1.595.327.000 335.38%
2010 6.060.215.000 126.32%
2011 17.547.835.000 65.46%
2012 26.328.750.000 33.35%
2013 8.559.446.000 -207.6%
2014 6.157.595.000 -39.01%
2015 6.581.086.000 6.43%
2016 18.335.999.000 64.11%
2017 7.038.717.000 -160.5%
2018 15.800.985.000 55.45%
2019 5.723.826.000 -176.06%
2020 1.430.956.500 -300%
2021 42.496.731.000 96.63%
2022 -73.735.200.000 157.63%

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.

The South Indian Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2005 5.170.176.000
2006 6.284.512.000 17.73%
2007 -4.776.045.000 231.58%
2008 4.147.720.000 215.15%
2009 -1.251.369.000 431.45%
2010 7.159.580.000 117.48%
2011 18.508.867.000 61.32%
2012 26.989.278.000 31.42%
2013 9.259.752.000 -191.47%
2014 6.869.845.000 -34.79%
2015 7.343.557.000 6.45%
2016 19.565.768.000 62.47%
2017 7.928.555.000 -146.78%
2018 16.779.247.000 52.75%
2019 6.559.952.000 -155.78%
2020 1.639.988.000 -300%
2021 43.515.595.000 96.23%
2022 -72.608.200.000 159.93%

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.

The South Indian Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2005 263.233.000
2006 128.147.000 -105.41%
2007 368.208.000 65.2%
2008 392.580.000 6.21%
2009 343.958.000 -14.14%
2010 1.099.365.000 68.71%
2011 961.032.000 -14.39%
2012 660.528.000 -45.49%
2013 700.306.000 5.68%
2014 712.250.000 1.68%
2015 762.471.000 6.59%
2016 1.229.769.000 38%
2017 889.838.000 -38.2%
2018 978.262.000 9.04%
2019 836.126.000 -17%
2020 209.031.500 -300%
2021 1.018.864.000 79.48%
2022 1.127.000.000 9.6%

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.

The South Indian Bank Limited Equity
Year Equity Growth
2005 6.408.506.000
2006 7.239.618.000 11.48%
2007 11.609.816.000 37.64%
2008 13.040.040.000 10.97%
2009 14.852.899.000 12.21%
2010 18.472.818.000 19.6%
2011 21.703.975.000 14.89%
2012 30.062.168.000 27.8%
2013 33.703.511.000 10.8%
2014 35.917.865.000 6.17%
2015 38.455.826.000 6.6%
2016 48.484.899.000 20.68%
2017 52.431.738.000 7.53%
2018 53.370.738.000 1.76%
2019 54.773.477.000 2.56%
2020 58.092.432.000 5.71%
2021 58.542.497.000 0.77%
2022 66.747.300.000 12.29%
2023 70.902.000.000 5.86%

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.

The South Indian Bank Limited Assets
Year Assets Growth
2005 108.274.251.000
2006 136.525.790.000 20.69%
2007 170.899.298.000 20.11%
2008 203.835.219.000 16.16%
2009 255.340.446.000 20.17%
2010 328.202.205.000 22.2%
2011 403.700.586.000 18.7%
2012 497.950.316.000 18.93%
2013 549.859.671.000 9.44%
2014 591.163.164.000 6.99%
2015 631.748.793.000 6.42%
2016 743.121.535.000 14.99%
2017 826.858.749.000 10.13%
2018 922.792.178.000 10.4%
2019 970.329.006.000 4.9%
2020 941.491.734.000 -3.06%
2021 1.000.518.683.000 5.9%
2022 1.076.971.600.000 7.1%
2023 1.127.426.000.000 4.48%

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.

The South Indian Bank Limited Liabilities
Year Liabilities Growth
2005 101.865.745.000
2006 129.286.172.000 21.21%
2007 159.289.482.000 18.84%
2008 190.795.179.000 16.51%
2009 240.487.547.000 20.66%
2010 309.729.387.000 22.36%
2011 381.996.611.000 18.92%
2012 467.888.148.000 18.36%
2013 516.156.160.000 9.35%
2014 555.245.299.000 7.04%
2015 593.292.967.000 6.41%
2016 694.636.636.000 14.59%
2017 774.427.011.000 10.3%
2018 869.421.440.000 10.93%
2019 915.555.529.000 5.04%
2020 883.399.302.000 -3.64%
2021 941.976.186.000 6.22%
2022 1.010.224.300.000 6.76%
2023 58.981.900.000 -1612.77%

The South Indian Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
20.72
Net Income per Share
4.36
Price to Earning Ratio
6.24x
Price To Sales Ratio
1.31x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.81
EV to Sales
0.79
EV Over EBITDA
2.48
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.16
FreeCashFlow Yield
0
Market Cap
56,92 Bil.
Enterprise Value
34,43 Bil.
Graham Number
57.55
Graham NetNet
10.72

Income Statement Metrics

Net Income per Share
4.36
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.67
EBT Per Ebit
1
Ebit per Revenue
0.34
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.34
Net Profit Margin
0.23

Dividends

Dividend Yield
0.01
Dividend Yield %
1.1
Payout Ratio
0
Dividend Per Share
0.3

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
0.07
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
38,83
Book Value per Share
33,79
Tangible Book Value per Share
509.17
Shareholders Equity per Share
33.79
Interest Debt per Share
50.53
Debt to Equity
0.83
Debt to Assets
0.05
Net Debt to EBITDA
-1.62
Current Ratio
0
Tangible Asset Value
1.068,44 Bil.
Net Current Asset Value
22,50 Bil.
Invested Capital
0.83
Working Capital
81,48 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.04

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.

The South Indian Bank Limited Dividends
Year Dividends Growth
2000 2
2001 3 0%
2002 3 0%
2003 3 0%
2004 3 0%
2006 2 -100%
2007 3 50%
2008 3 33.33%
2009 3 0%
2010 4 25%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 0 0%
2018 0 0%
2019 0 0%
2023 0 0%

The South Indian Bank Limited Profile

About The 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.

CEO
Mr. Peruvemba Ramachandran Ses
Employee
13.092
Address
SIB House
Thrissur, 680001

The South Indian Bank Limited Executives & BODs

The South Indian Bank Limited Executives & BODs
# Name Age
1 Mr. Jimmy Mathew A.C.M.A, A.C.M.A., A.C.S, A.C.S.
Joint GM, Company Secretary & Compliance Officer
70
2 Mr. Anto Geroge T.
Chief General Manager of HR & Operations
70
3 Ms. Minu Moonjely
Senior General Manager of Credit Underwriting
70
4 Mr. Joseph K. Thomas BSc(MechEng), CAIIB
Executive Vice President & Chief Business Officer
70
5 Vinod G. B.Com.
Joint GM & Head Data Science
70
6 Mr. Nandakumar G.
Head of MSME & Internal Audit, Head of Inspection & Vigilance Dept. and Chief of Internal Vigilance
70
7 Mr. Peruvemba Ramachandran Seshadri B.E.
MD, Chief Executive Officer & Director
70
8 Ms. Azmat Habibulla
Joint GM & Chief Marketing Officer
70
9 Ms. Chithra H. F.C.A.
Senior GM & Chief Financial Officer
70
10 Mr. A. Sony
Senior GM & Chief Information Officer
70

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