Central Bank of India (CENTRALBK) AI Stock Analysis

• Market Cap: ₹343.95B
• Dividend Yield: 0.53%
• Average Volume (3M): 489.97K
• Price to Earnings (P/E): 7.8
• Beta (1Y): 1.71
• Revenue Growth: 9.94%
• EPS Growth: 35.44%
• Country: IN
• Employees: 31,610
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 9,051,401,000
• 10 Day Avg. Volume: 422,398
• 30 Day Avg. Volume: 489,969
• PEG Ratio: 0.19
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 0.90
• P/FCF Ratio: -12.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹43.00
• Price Target Upside: 13.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: ₹43.00 ▲(13.25% Upside)

Central Bank of India receives a strong overall score driven by robust financial performance and attractive valuation. The stock's technical indicators support a stable outlook, although cash flow challenges and high liabilities require attention. The absence of earnings call and corporate events data does not impact the score.

Central Bank of India Business Overview & Revenue Model

Company Description

Central Bank of India operates as a commercial bank in India. The company offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes, as well as small saving scheme; and loans, including housing, vehicle, property, personal, senior citizens, education, and agricultural, as well as micro small and medium enterprises loans. It also provides credit, debit, and prepaid/gift cards, as well as cash management, mutual funds, depository, mobile and Internet banking, and ATM services. In addition, the company offers corporate loans, such as project finance, infrastructure funding, financing to infrastructure investment trusts, short term corporate loans, advances, working capital facilities, line of credit, export finance, foreign currency loan, bills purchase/discount/negotiation facilities, non-fund based facilities, and facilities to other industries. Further, the company sells and distributes life, general, and health insurance products, including unit linked, whole life, children, money back, endowment, pension, health, property, personal, fire, burglary, engineering, motor, package, travel, and group insurance products, as well as protection and retirement solutions. As of March 31, 2022, it operated through a network of 4,528 branches; 2,976 ATMs; 10 satellite offices; and 1 extension counter. Central Bank of India has a strategic co lending partnership with IIFL Home Finance Limited to offer SME LAP loan products under priority sector to MSME borrowers. The company was incorporated in 1911 and is headquartered in Mumbai, India.

How the Company Makes Money

Central Bank of India generates revenue primarily through interest income from loans and advances, which constitutes a significant portion of its earnings. The bank also earns money through fees and commissions from various services such as transaction processing, account maintenance, and financial advisory. Additionally, the bank invests in government securities and other financial instruments, which provide investment income. Key partnerships with financial technology companies and participation in government-led financial inclusion initiatives further enhance its revenue streams. The bank’s treasury operations, involving foreign exchange and money market activities, also contribute to its overall income.

Central Bank of India Financial Statement Overview

Summary

Central Bank of India demonstrates robust growth in revenue and profitability, supported by strong margins and improving operational efficiency. While the balance sheet shows a solid equity position, the high level of liabilities requires careful management. Cash flow challenges persist, with negative operating cash flows, but improvements in free cash flow suggest better cash management. Overall, the bank is on a positive financial trajectory but must address cash flow sustainability and leverage risks.

Income Statement

Central Bank of India exhibits strong revenue growth with a significant increase in total revenue from 2024 to 2025. The gross profit margin is healthy, and the net profit margin has improved considerably, reflecting enhanced profitability. EBIT and EBITDA margins also show positive trends, indicating efficient cost management and operational profitability. However, historical fluctuations in EBIT from negative to positive suggest past volatility.

Balance Sheet

The bank maintains a strong equity base, with an improving debt-to-equity ratio, indicating prudent leverage management. Return on Equity has shown an upward trajectory, reflecting the bank's ability to generate profits from shareholders' equity. The equity ratio is stable, suggesting a good balance between assets funded by equity and liabilities. However, the high total liabilities relative to assets may present potential risks if not managed effectively.

Cash Flow

Operating cash flow remains negative, though improving compared to previous years, which could indicate challenges in generating cash from core operations. Free cash flow has shown growth, enhancing the bank's ability to fund operations and investments without relying heavily on external financing. The ratios of operating cash flow and free cash flow to net income suggest reliance on non-operational sources for liquidity, which could be a risk factor.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	405.45B	396.68B	355.77B	297.40B	83.42B	259.61B
Gross Profit	202.95B	198.38B	176.94B	105.19B	83.42B	114.18B
EBITDA	60.44B	45.01B	31.76B	30.68B	20.42B	-12.88B
Net Income	42.74B	39.34B	26.68B	16.79B	10.76B	-8.84B
Balance Sheet
Total Assets	4.83T	4.80T	4.48T	4.07T	3.87T	3.70T
Cash, Cash Equivalents and Short-Term Investments	480.22B	361.97B	376.08B	441.02B	530.97B	389.54B
Total Debt	71.11B	218.20B	213.77B	100.04B	94.73B	69.60B
Total Liabilities	4.45T	4.43T	4.15T	3.78T	3.60T	3.43T
Stockholders Equity	379.49B	368.81B	323.74B	292.17B	275.49B	264.97B
Cash Flow
Free Cash Flow	0.00	-29.15B	-64.97B	-89.99B	141.19B	-22.09B
Operating Cash Flow	0.00	-24.60B	-59.10B	-87.86B	142.77B	-20.03B
Investing Cash Flow	0.00	-4.51B	-516.60B	-2.09B	-1.33B	-2.02B
Financing Cash Flow	0.00	15.00B	257.66B	166.11B	128.36B	211.82B

Central Bank of India Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.97
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CENTRALBK, the sentiment is Positive. The current price of 37.97 is above the 20-day moving average (MA) of 37.57, above the 50-day MA of 36.56, and below the 200-day MA of 40.53, indicating a neutral trend. The MACD of 0.29 indicates Positive momentum. The RSI at 56.31 is Neutral, neither overbought nor oversold. The STOCH value of 43.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CENTRALBK.

Central Bank of India Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CENTRALBK	78 Outperform	₹343.95B	7.82	―	0.53%	9.94%	35.44%
UCOBANK	75 Outperform	₹395.62B	15.29	―	1.24%	17.33%	45.79%
KARURVYSYA	74 Outperform	₹215.26B	10.74	―	0.96%	14.84%	17.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PSB	65 Neutral	₹214.43B	18.78	―	0.23%	20.55%	74.68%
BANDHANBNK	54 Neutral	₹260.17B	12.67	―	0.92%	12.68%	-20.15%

Central Bank of India Corporate Events

Central Bank of India Announces 18th AGM with Key Strategic Decisions

Central Bank of India has announced its 18th Annual General Meeting (AGM) scheduled for July 19, 2025, to be held via video conferencing. Key agenda items include the approval of the bank’s financial statements, declaration of dividends, appointment of directors, and raising equity capital up to ₹5000 crore. These decisions are pivotal for the bank’s strategic growth and operational efficiency, impacting shareholders and enhancing the bank’s market position.

Central Bank of India Sets Record Date for FY 2024-25 Dividend

Central Bank of India has announced that the record date for its final dividend payment for the fiscal year 2024-25 is set for July 4, 2025. This dividend, amounting to Rs.0.1875 per equity share, is contingent upon shareholder approval at the upcoming Annual General Meeting on July 19, 2025. The dividend will be distributed to shareholders holding shares in both electronic and physical forms, with payments expected within 30 days post-AGM, subject to tax deductions as per the Income Tax Act.