CSB Bank Intrinsic Value
CSB Bank (CSBBANK) median intrinsic value is ₹339.77 from 9 valuation models (range ₹152–₹840), vs current price ₹336.15 — +1.1% upside (Trading Near Calculated Value), margin of safety 1.1%. For current market price and key ratios, visit CSBBANK screener.
CSBBANK Valuation Methods Summary — DCF, Graham Number & P/E
CSB Bank intrinsic value across 9 models vs current price ₹336.15 — upside/downside and value range per method. See CSBBANK price to book ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹459.60 | ₹367.68 - ₹551.52 | +36.7% | EPS: ₹38.30, Sector P/E: 12x |
| Book Value Method | asset | ₹225.01 | ₹202.51 - ₹247.51 | -33.1% | Book Value/Share: ₹281.26, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹339.77 | ₹305.79 - ₹373.75 | +1.1% | Revenue/Share: ₹339.77, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹256.61 | ₹230.95 - ₹282.27 | -23.7% | EBITDA: ₹893.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹840.38 | ₹672.30 - ₹1008.46 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹152.17 | ₹136.95 - ₹167.39 | -54.7% | EPS Growth: 5.0%, Fair P/E: 4.0x |
| Growth Adjusted P/E | growth | ₹329.38 | ₹296.44 - ₹362.32 | -2.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹458.62 | ₹412.76 - ₹504.48 | +36.4% | ROE: 13.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹492.32 | ₹443.09 - ₹541.55 | +46.5% | EPS: ₹38.30, BVPS: ₹281.26 |
CSBBANK Intrinsic Value vs Market Price — All Valuation Models
CSB Bank fair value range ₹152–₹840 vs current market price ₹336.15 across 9 valuation models. Check CSB Bank market worth to track the company's total market size over time.
CSBBANK Intrinsic Value Analysis — Undervalued or Overvalued?
CSB Bank median intrinsic value ₹339.77, current price ₹336.15 — Trading Near Calculated Value by 1.1%, margin of safety 1.1%.
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 ₹339.77 (median value). With the current market price of ₹336.15, this represents a +1.1% variance from our estimated fair value.
The valuation range spans from ₹152.17 to ₹840.38, indicating ₹152.17 - ₹840.38.
Is CSBBANK undervalued or overvalued?
Based on our multi-method analysis, CSB Bank (CSBBANK) appears to be trading near calculated value by approximately 1.1%.
CSBBANK Financial Health — Key Ratios vs Industry Benchmarks
CSB Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 13.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 56.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CSBBANK Cash Flow Quality — Operating & Free Cash Flow
CSB Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-314 Cr | ₹-709 Cr | Negative Cash Flow | 3/10 |
| 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 |