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Central Bank of India (CENTRALBK) had a P/E of 5.8× on 6 Nov 2026, and the shares are 25% below their 52-week high. It earns ROE of 12%, and net profit grew 39% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.67× book value and its dividend yield is 3.3%. It is a small-cap company with a market cap of ₹27,724 Cr, ranked 23rd of 41 Banks (Regional) companies by market cap; the shares fell 22% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹30.60
Day high
₹30.69
Day low
₹30.21
Prev. close
₹30.60
Volume
37.5 L

Health check

3 good · 2 fair · 1 to check
  • ReturnsBehind

    −21.8% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 0.67 vs peer median 1.78.

  • GrowthStrong

    Profit +39.1% a year over 3 years.

  • ProfitabilityAverage

    ROE 12.0% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 0.87%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹27,724 Cr, #23 of 41 in its industry by size.

Defensive

Beta 0.41 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹16,927 Cr · profit ₹4,819 Cr
Market cap
₹27,724 Cr
Small cap
P/E
5.8
Industry 9.2
Price to book
0.67
Peers 1.78
Dividend yield
3.26%
ROE
12.0%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹5.32
Face value ₹10
OPM (TTM)
34.4%
Net margin 28.5%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+20.6%
Latest quarter vs a year ago
Price to sales
1.64

Strengths and risks

Strengths

  • Dividend yield of 3.26%.
  • Quarterly profit up 20.6% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

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, recurring deposit schemes, and small saving scheme; and loans, including housing, vehicle, property, personal, pensioner, 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,…

Headquarters
Mumbai
Employees
33,997
Sector
Financial Services
ISIN
INE483A01010
Website
centralbank.bank.in

Price range

52 weeks

₹28.26₹40.92

Today

₹30.21₹30.69
Avg volume (3M)
62.1 L
1-year return
minus 21.8%
From 52-week high
minus 25.1%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
CENTRALBKCentral Bank of India30.63plus 0.10%27,7245.80.6712.0%0.9%39.1%3.26%minus 21.8%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26Sep 26
–4,7705,4555,1834,9205,548
5,222–5,5525,6775,7946,227
84.9–––––
1,878–1,5921,6091,7911,715
32.9%–20.6%54.1%25.8%14.0%
1,282–1,2647461,3231,486
1.42–1.400.821.461.64

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+39.1%
EPS CAGR 3Y
+37.3%
ROE
12.0%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
15,83817,69419,65020,661
–+11.7%+11.1%+5.1%
13,90517,88219,83021,926
386500558530
−1.3−14.7−24.4−3.7
1,6882,6773,9434,531
63.5%56.6%29.4%45.8%
1,6792,6683,9344,524
–+58.9%+47.5%+15.0%
1.933.074.535.00

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
8,6818,6819,0519,051
20,53623,69327,83029,950
6,5709,00312,92918,654
3,71,2934,06,3944,30,6474,93,424
4,07,0804,47,7724,80,4575,51,079
4,7775,3365,2055,126
1,36,5691,44,0101,41,6521,57,607
44,10237,60836,19737,835
2,21,6322,60,8172,97,4023,50,512
4,07,0804,47,7724,80,4575,51,079

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−8,786−5,910−2,4602,804
−209−584−451−454
––1,500−713
−8,995−6,494−1,4101,637
−212−587−455−458
−8,999−6,497−2,9152,346
–––−713

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 9.8% (Yahoo estimate).

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you