CSB Bank Intrinsic Value
CSBBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹429.60 | ₹343.68 - ₹515.52 | -16.6% | EPS: ₹35.80, Sector P/E: 12x |
| Book Value Method | asset | ₹206.80 | ₹186.12 - ₹227.48 | -59.9% | Book Value/Share: ₹258.51, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹301.44 | ₹271.30 - ₹331.58 | -41.5% | Revenue/Share: ₹301.44, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹206.06 | ₹185.45 - ₹226.67 | -60.0% | EBITDA: ₹836.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1287.88 | ₹1030.30 - ₹1545.46 | +150.0% | CF Growth: 13.9%, Discount: 15% |
| PEG Ratio Method | growth | ₹225.72 | ₹203.15 - ₹248.29 | -56.2% | EPS Growth: 7.9%, Fair P/E: 6.3x |
| Growth Adjusted P/E | growth | ₹307.88 | ₹277.09 - ₹338.67 | -40.2% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹428.28 | ₹385.45 - ₹471.11 | -16.9% | ROE: 13.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹456.32 | ₹410.69 - ₹501.95 | -11.4% | EPS: ₹35.80, BVPS: ₹258.51 |
Want to compare with current market value? Check CSBBANK share price latest .
Valuation Comparison Chart
CSBBANK Intrinsic Value Analysis
What is the intrinsic value of CSBBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of CSB Bank (CSBBANK) is ₹307.88 (median value). With the current market price of ₹515.15, this represents a -40.2% variance from our estimated fair value.
The valuation range spans from ₹206.06 to ₹1287.88, indicating ₹206.06 - ₹1287.88.
Is CSBBANK undervalued or overvalued?
Based on our multi-method analysis, CSB Bank (CSBBANK) appears to be trading above calculated value by approximately 40.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 10.63 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 13.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 53.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for CSB Bank
Additional stock information and data for CSBBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-5,256 Cr | ₹-5,256 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1,783 Cr | ₹1,064 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹2,212 Cr | ₹1,850 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-853 Cr | ₹-853 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹1,374 Cr | ₹759 Cr | Positive Free Cash Flow | 8/10 |