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Central Bank of India
Large Cap•31,610 Employees•IPO 2007
Current Price
₹36.61
0 (0%)Updated
Valuation vs Sector
P/E Ratio
-vs 19.00
P/B Ratio
-vs 2.14
Div Yield
1.04%vs 0.57%
Today's Range
35.62
₹36.61
36.98
52 Week Range
52W Low₹32.75
52W High₹47.30
₹36.61
Downside11.79%
Upside29.20%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹34,350.07 Cr
Market Cap
Total market value of companyP/E Ratio
6.91
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.85
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹5.45
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
12.78%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
5.48%
ROCE
Return on Capital Employed. >15% is goodNet Margin
11.92%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
1.21%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
6.57%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
33.30%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.62
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹40.75
Book Value
Net asset value per shareDividend Yield
1.04%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
89.30%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Central Bank of India boasts a remarkably high promoter holding of 89.3%, indicating strong insider confidence and a long-term commitment to the company's stability and success, which can reassure investors.
- •The company's Price-to-Earnings (PE) ratio of 8.05 is competitive within the public sector banking space, suggesting potential undervaluation relative to its earnings for value-seeking investors.
Weaknesses
4 points- •Central Bank of India carries a substantial debt burden, reflected in its high debt-to-equity ratio of 11.90. This elevated leverage increases financial risk and vulnerability to economic shifts.
- •The Return on Capital Employed (ROCE) stands at a relatively low 5.48% compared to peers like SBI (6.47%), suggesting room for improvement in capital utilization efficiency and profitability.
Opportunities
4 points- •As a Public Sector Bank, Central Bank can capitalize on the expanding Indian financial services sector, driven by economic growth, increasing credit demand, and financial inclusion initiatives.
- •Embracing digital transformation and expanding digital banking services can attract a younger customer base and improve operational efficiency, driving future growth and market share.
Threats
4 points- •The public sector banking space faces intense competition from private banks and fintech companies, potentially impacting market share, deposit growth, and profitability margins.
- •Adverse changes in banking regulations, capital adequacy norms, or government policies could significantly impact the bank's operations, compliance costs, and overall financial performance.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹39.91 | +₹3.30 | +9.00% |
| R3 | ₹38.55 | +₹1.94 | +5.29% |
| R2 | ₹37.76 | +₹1.15 | +3.15% |
| R1 | ₹37.19 | +₹0.58 | +1.58% |
| PIVOT | ₹36.40 | -0.21 | -0.56% |
| CURRENT | ₹36.61 | - | - |
| S1 | ₹33.11 | -₹3.50 | -9.57% |
| S2 | ₹34.47 | -₹2.14 | -5.85% |
| S3 | ₹35.04 | -₹1.57 | -4.28% |
| S4 | ₹35.83 | -₹0.78 | -2.14% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-37.8% vs avg
7.00M
(12 Mar 2026)Delivery %-8.4% vs avg
32.5%
(12 Mar 2026)Avg Volume (20D)20-day average
11.25M
(12 Feb - 12 Mar)Avg Delivery %Trend ↓
41.0%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
IDFC First Bank Ltd
64.10 %
Highest Dividend Yield
Bank of Maharashtra
2.23 %
Peer Comparison
| Company Name |
|---|
 City Union Bank Ltd |
 Federal Bank Ltd |
 HDFC Bank Ltd |
 IDFC First Bank Ltd |
 IndusInd Bank Ltd |
 Indian Overseas Bank |
 Jammu and Kashmir Bank Ltd |
 Karur Vysya Bank Ltd |
 Bank of Maharashtra |
 Punjab & Sind Bank |
 RBL Bank Ltd |
 South Indian Bank Ltd |
 Tamilnad Mercantile Bank Ltd |
 UCO Bank |
 Yes Bank Ltd |
About
Central Bank of India
Central Bank of India is a commercial bank operating within India, offering a wide range of financial services to both individual and corporate clients. Their core business revolves around providing deposit accounts, encompassing savings, current, fixed, recurring, and small savings schemes, catering to diverse customer needs and financial goals. This forms a crucial foundation upon which the bank extends its lending operations.
The bank's lending portfolio is extensive and diversified. For individuals, they provide a comprehensive suite of loans, including those for housing, vehicles, personal needs, education, and agriculture. They also cater specifically to senior citizens and support micro, small, and medium enterprises (MSMEs) with dedicated loan products. This commitment to various sectors demonstrates a strategic approach to market penetration and financial inclusion.
Beyond traditional banking services, Central Bank of India offers a robust array of value-added products and services. These include various types of cards (credit, debit, prepaid), online banking solutions (Internet and mobile banking), ATM access, and cash management services for businesses. Furthermore, they facilitate access to investment products like mutual funds and depository services, providing a one-stop shop for diverse financial needs.
A significant part of Central Bank of India's business involves corporate lending. This segment caters to large businesses and includes services such as project financing, infrastructure funding, short-term loans, working capital facilities, export finance, foreign currency loans, and various other non-fund-based services. This focus on corporate clientele highlights the bank's position in facilitating larger-scale economic activities and infrastructure development within India.
In addition to its core banking and lending activities, Central Bank of India acts as a distributor for a range of insurance products. This includes life, general, and health insurance, offering various plans tailored to different life stages and risk profiles. The distribution of these insurance products diversifies the bank's revenue streams and provides a comprehensive suite of financial solutions to its customer base. The bank operates through a geographically dispersed network of branches, ATMs, and satellite offices to reach a wide range of clients across India. A notable partnership with IIFL Home Finance Limited further strengthens its offerings to the SME sector.
COMPANY FACTS - CENTRALBK
Registered Address
Chandermukhi, Nariman Point
Mumbai
MAHARASHTRA
IN
Tel: 912266387777
Website:https://www.centralbankofindia.co.in
Investor Relations:http://www.centralbankofindia.co.in/en/investor-relations
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 31,610
IPO Date: 11/08/2007
MANAGEMENT - CENTRALBK
Shri. Matam Rao
Chief Executive Officer, Managing Director, Whole Time Director
Mr. Joy Mukherjee
Deputy General Manager, Compliance Department, Chief Compliance Officer
Shri. Mahendra Dohare
Executive Director
Shri. Malladi Murali Krishna
Executive Director
Shri. Vivek Wahi
Executive Director
Shri. Chandrakant Bhagwat
Company Secretary, Assistant General Manager
Smt. Charulatha Kar
Non-Executive - RBI Nominee Director
Shri. Priavrat Sharma
Part Time Non-official Director
Shri. Hardik Sheth
Nominee Director - Government of India
Investor Questions Answered
Central Bank of India (CENTRALBK) Stock FAQs
Get answers to the most common questions about Central Bank of India stock price, fundamentals, financial metrics, and investment analysis
The current share price of Central Bank of India (CENTRALBK) is ₹36.61. Today, the stock has gained by ₹0.00 (0.00%), trading in a range of ₹35.62 to ₹36.98. The stock opened at ₹36.17 with a trading volume of 69,95,129 shares.
Central Bank of India can be considered for long-term investment based on several factors. The company has a market capitalization of ₹34,350.07 crores, P/E ratio of 6.91, ROE of 12.78%, and ROCE of 5.48%. The dividend yield stands at 1.04%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Central Bank of India (CENTRALBK) is ₹47.3, while the 52-week low is ₹32.75. Currently trading at ₹36.61, the stock is 26.5% away from its 52-week low and 22.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Central Bank of India stock at ₹36.61 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.91 and P/B ratio of N/A. Today's performance shows a gain of 0.00%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Central Bank of India offers a dividend yield of 1.04%, which means for every ₹100 invested at the current price of ₹36.61, you can expect to receive approximately ₹1.04 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Central Bank of India's key financial metrics include: P/E Ratio: 6.91, P/B Ratio: N/A, ROE: 12.78%, ROCE: 5.48%, Dividend Yield: 1.04%, EPS: ₹5.45, Book Value: ₹40.75, Debt-to-Equity: 0.62, and Current Ratio: N/A. The company's market cap stands at ₹34,350.07 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Central Bank of India stock opened at ₹36.17 and is currently trading at ₹36.61, showing a gain of ₹0.00 (0.00%). The intraday high is ₹36.98 and low is ₹35.62. The trading volume stands at 69,95,129 shares, indicating strong market participation today.
Central Bank of India has a Price-to-Earnings (P/E) ratio of 6.91, which means investors are willing to pay ₹6.91 for every ₹1 of earnings. With an EPS of ₹5.45, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Central Bank of India has a market capitalization of ₹34,350.07 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹36.61) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Central Bank of India has a book value of ₹40.75 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹36.61, which is 10.2% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Central Bank of India has a Return on Equity (ROE) of 12.78% and Return on Capital Employed (ROCE) of 5.48%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Central Bank of India operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Central Bank of India has a debt-to-equity ratio of 0.62, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Central Bank of India has an Earnings Per Share (EPS) of ₹5.45, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹36.61 and P/E ratio of 6.91, investors are paying 6.91 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Central Bank of India has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Central Bank of India has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Central Bank of India stock, consider: 1) Fundamental Analysis - Review P/E (6.91), ROE (12.78%), debt-to-equity (0.62), and growth rates. 2) Technical Analysis - Check 52-week range (₹32.75 - ₹47.30), moving averages, and chart patterns. 3) Valuation - Compare current price (₹36.61) with book value (₹40.75) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Central Bank of India share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹36.61 is 266x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Central Bank of India carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹32.75 - ₹47.30). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.62 indicates leverage. 4) Liquidity Risk - Based on trading volume of 69,95,129 shares. 5) Valuation Risk - P/E of 6.91 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Central Bank of India operates in the industry with key metrics: P/E ratio of 6.91, ROE of 12.78%, market cap of ₹34,350.07 crores, and dividend yield of 1.04%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.62), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Central Bank of India vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹36.61, with a 52-week range of ₹32.75 to ₹47.30. Based on fundamentals like P/E (6.91), ROE (12.78%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Central Bank of India stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹36.61. 2) Fundamental Deterioration - Declining ROE (currently 12.78%), increasing debt (D/E: 0.62), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Central Bank of India stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 1.04%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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