CSB Bank Intrinsic Value
CSB Bank (CSBBANK) median intrinsic value is ₹436.55 from 8 valuation models (range ₹207–₹852), vs current price ₹340.90 — +28.1% upside (Trading Below Calculated Value), margin of safety 21.9%. Analyse CSBBANK shareholder distribution to track promoter, FII and institutional holdings.
CSBBANK Valuation Methods Summary — DCF, Graham Number & P/E
CSB Bank intrinsic value across 8 models vs current price ₹340.90 — upside/downside and value range per method. For current market price and key ratios, visit CSBBANK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹438.00 | ₹350.40 - ₹525.60 | +28.5% | EPS: ₹36.50, Sector P/E: 12x |
| Book Value Method | asset | ₹206.80 | ₹186.12 - ₹227.48 | -39.3% | Book Value/Share: ₹258.51, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹258.91 | ₹233.02 - ₹284.80 | -24.1% | Revenue/Share: ₹258.91, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹852.25 | ₹681.80 - ₹1022.70 | +150.0% | CF Growth: 13.9%, Discount: 15% |
| PEG Ratio Method | growth | ₹245.42 | ₹220.88 - ₹269.96 | -28.0% | EPS Growth: 8.4%, Fair P/E: 6.7x |
| Growth Adjusted P/E | growth | ₹313.90 | ₹282.51 - ₹345.29 | -7.9% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹436.55 | ₹392.90 - ₹480.21 | +28.1% | ROE: 14.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹460.76 | ₹414.68 - ₹506.84 | +35.2% | EPS: ₹36.50, BVPS: ₹258.51 |
CSBBANK Intrinsic Value vs Market Price — All Valuation Models
CSB Bank fair value range ₹207–₹852 vs current market price ₹340.90 across 8 valuation models. Read CSBBANK dividend track record for the complete payout history and dividend yield track record.
CSBBANK Intrinsic Value Analysis — Undervalued or Overvalued?
CSB Bank median intrinsic value ₹436.55, current price ₹340.90 — Trading Below Calculated Value by 28.1%, margin of safety 21.9%.
What is the intrinsic value of CSBBANK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of CSB Bank (CSBBANK) is ₹436.55 (median value). With the current market price of ₹340.90, this represents a +28.1% variance from our estimated fair value.
The valuation range spans from ₹206.80 to ₹852.25, indicating ₹206.80 - ₹852.25.
Is CSBBANK undervalued or overvalued?
Based on our multi-method analysis, CSB Bank (CSBBANK) appears to be trading below calculated value by approximately 28.1%.
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 | 14.1% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 55.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | 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 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 |