Should I buy South Indian Bank Ltd stock at the current price?

Whether to buy South Indian Bank Ltd stock at ₹40.11 depends on multiple factors including P/E ratio of 7.58, P/B ratio of N/A, and your investment goals. Consult a financial advisor for personalized advice.

What is the dividend yield of South Indian Bank Ltd?

South Indian Bank Ltd offers a dividend yield of 0.99%, which means for every ₹100 invested at the current price, you can expect to receive approximately ₹0.99 annually as dividends.

How is South Indian Bank Ltd stock performing today?

South Indian Bank Ltd opened at ₹40 and is trading at ₹40.11, showing a decline of 1.21% with volume of 2,30,90,308 shares.

What is the P/E ratio of South Indian Bank Ltd?

South Indian Bank Ltd has a P/E ratio of 7.58, meaning investors pay ₹7.58 for every ₹1 of earnings. With EPS of ₹5.31, compare this with industry peers for better context.

What is the market capitalization of South Indian Bank Ltd?

South Indian Bank Ltd has a market cap of ₹10,647.34 crores, making it a small-cap company.

What is the book value and P/B ratio of South Indian Bank Ltd?

South Indian Bank Ltd has a book value of ₹38.63 per share and P/B ratio of N/A. Current price is ₹40.11.

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South Indian Bank

Q: What are the key financial ratios of South Indian Bank Ltd?

South Indian Bank Ltd's key metrics include P/E Ratio: 7.58, P/B Ratio: N/A, ROE: 13.18%, ROCE: 6.50%, EPS: ₹5.31, and Debt-to-Equity: 0.44.

Mid Cap•13,116 Employees•IPO 1998

Chart

Current Price

₹40.11

-0.49 (-1.21%)Updated

NSE :SOUTHBANK

BSE :532218

Sector :Banks

Valuation vs Sector

P/E Ratio

7.66vs 20.04

61.8%Cheaper

P/B Ratio

1.00vs 2.26

55.8%Cheaper

Div Yield

0.99%vs 0.54%

83.3%Better

Today's Range

₹39.27

₹40.11

₹40.56

52 Week Range

52W Low₹22.30

52W High₹46.84

₹40.11

Downside79.87%

Upside16.78%

Chart

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

₹10,647.34 Cr

Market Cap

Total market value of company

P/E Ratio

7.58

P/E Ratio

Price to Earnings. Lower is generally better (<25 is good)

P/B Ratio

0.90

P/B Ratio

Price to Book Value. <3 may indicate undervaluation

EPS

₹5.31

EPS

Earnings Per Share. Higher and growing is positive

Profitability

ROE

13.18%

ROE

Return on Equity. >15% is good, >20% is excellent

ROCE

6.50%

ROCE

Return on Capital Employed. >15% is good

Net Margin

21.02%

Net Margin

Net profit as % of revenue. >10% is good

Operating Margin

Operating profit margin. >15% is good

Growth

EPS Growth (5Y)

53.83%

EPS Growth (5Y)

5-year EPS growth. >15% is strong

Revenue Growth (5Y)

3.15%

Revenue Growth (5Y)

5-year revenue growth. >10% is good

Qtr Sales Growth

2.22%

Qtr Sales Growth

Quarter-over-quarter sales growth

Qtr Profit Growth

8.25%

Qtr Profit Growth

Quarter-over-quarter profit growth

Financial Health

Debt/Equity

0.44

Debt/Equity

Financial leverage. <1 is good, <0.5 is excellent

Book Value

₹38.63

Book Value

Net asset value per share

Dividend Yield

0.99%

Dividend Yield

Annual dividend as % of price. >2% is good

Promoter Holding

0.00%

Promoter Holding

Promoter stake. >50% shows confidence

Good

Average

Needs Attention

SWOT Analysis

Strengths

5 points

•Healthy Return on Equity (ROE) of 13.80% indicates strong profitability.
•Stock trading below book value (P/B 0.95) suggests potential undervaluation.

Weaknesses

5 points

•Zero promoter holding raises corporate governance and long-term vision concerns.
•Return on Capital Employed (ROCE) of 6.50% is relatively low.

Opportunities

5 points

•Low P/E ratio (7.51) compared to peers suggests potential for re-rating.
•Capitalize on India's expanding financial services sector and digital adoption.

Threats

4 points

•Highly competitive private sector banking industry limits market share.
•Adverse changes in banking regulations or interest rate policies pose risks.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

Loading shareholding data...

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	₹43.27	+₹3.16	+7.88%
R3	₹41.98	+₹1.87	+4.66%
R2	₹41.27	+₹1.16	+2.89%
R1	₹40.69	+₹0.58	+1.45%
PIVOT	₹39.98	-0.13	-0.32%
CURRENT	₹40.11	-	-
S1	₹36.82	-₹3.29	-8.20%
S2	₹38.11	-₹2.00	-4.99%
S3	₹38.69	-₹1.42	-3.54%
S4	₹39.40	-₹0.71	-1.77%

CPR Levels

Support

Resistance

| CPR |

BC: N/AP: N/ATC: 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

23.09M

(04 Mar 2026)

+47.6% vs avg

Delivery %

45.7%

(04 Mar 2026)

+4.6% vs avg

Avg Volume (20D)

15.64M

(04 Feb - 04 Mar)

20-day average

Avg Delivery %

41.1%

(04 Feb - 04 Mar)

Trend ↑

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

Punjab & Sind Bank

22.90 %

Highest Dividend Yield

Karnataka Bank Ltd

2.40 %

Peer Comparison

Company Name
City Union Bank Ltd
DCB Bank Ltd
Equitas Small Finance Bank Ltd
Fino Payments Bank Ltd
HDFC Bank Ltd
Jammu and Kashmir Bank Ltd
Jana Small Finance Bank Ltd
Karur Vysya Bank Ltd
Karnataka Bank Ltd
Punjab & Sind Bank
RBL Bank Ltd
Tamilnad Mercantile Bank Ltd
Utkarsh Small Finance Bank Ltd

About

South Indian Bank Ltd

South Indian Bank Limited (SOUTHBANK) is a full-service Indian bank offering a wide array of financial products and services. Its operations are segmented into Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The bank caters to a diverse customer base, ranging from individuals to corporations and Non-Resident Indians (NRIs).

For individuals (Retail Banking), SOUTHBANK provides a comprehensive suite of services including various deposit accounts (savings, current, term deposits, and unclaimed/inoperative accounts), a broad spectrum of loans (personal, car, home, gold, educational, property, and more), and investment options such as mutual funds. The bank also offers a robust insurance portfolio encompassing life, health, general insurance (fire, liability, marine, motor, personal accident, travel), and credit risk insurance. Furthermore, it facilitates money transfers, provides various card services, and offers value-added services such as online banking, mobile banking, and a range of other convenient digital solutions including NETC FASTag, and investment tools like sovereign gold bonds and APY/NPS lite. Additional services include safe deposit lockers, PAN service agency, cash management, direct debit, and tax payment assistance.

SOUTHBANK's business banking services focus on meeting the financial needs of businesses of all sizes. This includes tailored account options (normal and premium accounts, specialized merchant accounts), various loan facilities (working capital, long-term, non-fund-based, supply chain, and commercial vehicle loans), and international finance solutions. The bank also offers merchant acquiring services to enable businesses to accept electronic payments.

The bank's NRI banking services provide tailored solutions for Non-Resident Indians. These include NRE and NRO rupee accounts, foreign currency deposits, e-services, remittance and payment facilities, money transfer services, and portfolio investment schemes, reflecting a commitment to catering to the specific needs of its international clientele.

In summary, SOUTHBANK's business model is built on a diversified range of banking products and services, targeting both individual and corporate clients, domestically and internationally. Its extensive network of branches and ATMs/CRMs supports its broad reach across India.

COMPANY FACTS - SOUTHBANK

Registered Address

T.B Road, Mission Quarters

THRICHUR

KERALA

Tel: 914872420020

Website:https://www.southindianbank.com/

Investor Relations:http://www.southindianbank.com/content/investors-desk/854

Company Details

Group: Banks

Sector: Financials

Industry: Banks

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 13,116

IPO Date: 21/12/1998

MANAGEMENT - SOUTHBANK

Mr. V. Kurian

Non-Executive Part Time Chairman of the Board

Mr. P. R. Seshadri

Chief Executive Officer, Managing Director

Mr. Vinod Francis

Chief Financial Officer

Mr. Anto Geroge

Chief Operating Officer

Sri. Jimmy Mathew

Compliance Officer, Company Secretary

Mr. Vijith S.

Chief Compliance Officer

Mr. Biju Punnachalil

Chief Risk Officer

Mr. Dolphy Jose

Whole-Time Director (Executive Director)

Mr. Paul Antony

Non-Executive Director

Shri. Pradeep Godbole

Non-Executive Director

Mr. Benny Thomas

Non-Executive Director

Mr. Jose Kattoor

Additional Non-Executive Independent Director

Investor Questions Answered

South Indian Bank Ltd (SOUTHBANK) Stock FAQs

Get answers to the most common questions about South Indian Bank Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of South Indian Bank Ltd (SOUTHBANK) is ₹40.11. Today, the stock has declined by ₹0.49 (1.21%), trading in a range of ₹39.27 to ₹40.56. The stock opened at ₹40 with a trading volume of 2,30,90,308 shares.

South Indian Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹10,647.34 crores, P/E ratio of 7.58, ROE of 13.18%, and ROCE of 6.50%. The dividend yield stands at 0.99%. 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 South Indian Bank Ltd (SOUTHBANK) is ₹46.84, while the 52-week low is ₹22.3. Currently trading at ₹40.11, the stock is 72.6% away from its 52-week low and 14.4% 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 South Indian Bank Ltd stock at ₹40.11 depends on multiple factors. The stock is currently trading with a P/E ratio of 7.58 and P/B ratio of N/A. Today's performance shows a loss of 1.21%. 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.

South Indian Bank Ltd offers a dividend yield of 0.99%, which means for every ₹100 invested at the current price of ₹40.11, you can expect to receive approximately ₹0.99 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.

South Indian Bank Ltd's key financial metrics include: P/E Ratio: 7.58, P/B Ratio: N/A, ROE: 13.18%, ROCE: 6.50%, Dividend Yield: 0.99%, EPS: ₹5.31, Book Value: ₹38.63, Debt-to-Equity: 0.44, and Current Ratio: N/A. The company's market cap stands at ₹10,647.34 crores. These metrics help evaluate the company's valuation, profitability, and financial health.

South Indian Bank Ltd stock opened at ₹40 and is currently trading at ₹40.11, showing a decline of ₹0.49 (1.21%). The intraday high is ₹40.56 and low is ₹39.27. The trading volume stands at 2,30,90,308 shares, indicating strong market participation today.

South Indian Bank Ltd has a Price-to-Earnings (P/E) ratio of 7.58, which means investors are willing to pay ₹7.58 for every ₹1 of earnings. With an EPS of ₹5.31, 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.

South Indian Bank Ltd has a market capitalization of ₹10,647.34 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹40.11) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.

South Indian Bank Ltd has a book value of ₹38.63 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹40.11, which is 3.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.

South Indian Bank Ltd has a Return on Equity (ROE) of 13.18% and Return on Capital Employed (ROCE) of 6.50%. 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.

South Indian Bank Ltd 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.

South Indian Bank Ltd has a debt-to-equity ratio of 0.44, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.

South Indian Bank Ltd has an Earnings Per Share (EPS) of ₹5.31, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹40.11 and P/E ratio of 7.58, investors are paying 7.58 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.

South Indian Bank Ltd 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.

South Indian Bank Ltd 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 South Indian Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (7.58), ROE (13.18%), debt-to-equity (0.44), and growth rates. 2) Technical Analysis - Check 52-week range (₹22.30 - ₹46.84), moving averages, and chart patterns. 3) Valuation - Compare current price (₹40.11) with book value (₹38.63) 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 South Indian Bank Ltd share is ₹1.00. 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 ₹40.11 is 3911x 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 South Indian Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹22.30 - ₹46.84). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.44 indicates leverage. 4) Liquidity Risk - Based on trading volume of 2,30,90,308 shares. 5) Valuation Risk - P/E of 7.58 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.

South Indian Bank Ltd operates in the industry with key metrics: P/E ratio of 7.58, ROE of 13.18%, market cap of ₹10,647.34 crores, and dividend yield of 0.99%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.44), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.

Target prices for South Indian Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹40.11, with a 52-week range of ₹22.30 to ₹46.84. Based on fundamentals like P/E (7.58), ROE (13.18%), 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 South Indian Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹40.11. 2) Fundamental Deterioration - Declining ROE (currently 13.18%), increasing debt (D/E: 0.44), 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 South Indian Bank Ltd 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: 0.99%) 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.