Csb Bank (CSBBANK) | Financial Analysis & Statements
Csb Bank Ltd. Mid-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Jun 2025Income Metrics
Revenue
6.2B
Net Income
1.2B
19.00%
EPS (Diluted)
₹6.84
Balance Sheet Metrics
Total Assets
500.2B
Total Liabilities
453.2B
Shareholders Equity
47.0B
Debt to Equity
9.64
Cash Flow Metrics
Revenue & Profitability Trend
Quarter Income Flow
Jun 30, 2025
Annual Income Flow
2025
Csb Bank Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 24.5B | 20.6B | 16.5B | 14.0B | 12.4B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 106.0M | 98.9M | 78.5M | 58.8M | 49.3M |
| Other Operating Expenses | 4.9B | 3.5B | 2.1B | 1.5B | 1.0B |
| Total Operating Expenses | 5.0B | 3.6B | 2.2B | 1.6B | 1.1B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 8.0B | 7.6B | 7.3B | 6.1B | 2.9B |
| Income Tax | 2.1B | 1.9B | 1.9B | 1.6B | 741.5M |
| Effective Tax Rate % | 25.7% | 25.6% | 25.4% | 25.4% | 25.3% |
| Net Income | 5.9B | 5.7B | 5.5B | 4.6B | 2.2B |
| Net Margin % | 24.3% | 27.5% | 33.2% | 32.8% | 17.6% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹34.23 | ₹32.67 | ₹31.55 | ₹26.43 | ₹12.59 |
| EPS (Diluted) | ₹34.23 | ₹32.67 | ₹31.55 | ₹26.43 | ₹12.59 |
| Basic Shares Outstanding | 173485827 | 173485827 | 173485827 | 173485827 | 173455991 |
| Diluted Shares Outstanding | 173485827 | 173485827 | 173485827 | 173485827 | 173455991 |
Income Statement Trend
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Csb Bank Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 36.8B | 32.9B | 20.2B | 18.9B | 18.1B |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 7.2B | 7.3B | 5.9B | 5.2B | 4.6B |
| Goodwill | - | - | - | - | - |
| Intangible Assets | - | - | - | - | - |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 478.4B | 360.6B | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 2.2B | 1.6B | 848.5M | 804.2M | 1.1B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 52.5B | 17.6B | 7.8B | 18.3B | 5.5B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 433.4B | - | - | - | - |
| Equity | |||||
| Common Stock | 1.7B | 1.7B | 1.7B | 1.7B | 1.7B |
| Retained Earnings | 9.6B | 6.2B | 2.1B | -2.0B | -5.1B |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 45.0B | 38.0B | 32.0B | 26.5B | 21.8B |
| Key Metrics | |||||
| Total Debt | 52.5B | 17.6B | 7.8B | 18.3B | 5.5B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Csb Bank Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 8.0B | 7.6B | 7.3B | 6.1B | 2.9B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 97.9M | 78.9M | 48.7M | 126.8M | - |
| Working Capital Changes | 242.1M | 84.5M | 2.9B | -167.6M | 2.3B |
| Operating Cash Flow | 8.3B | 7.8B | 10.3B | 6.2B | 5.2B |
| Investing Activities | |||||
| Capital Expenditures | -3.0B | -1.2B | -749.6M | -559.8M | -562.2M |
| Acquisitions | - | - | - | - | - |
| Investment Purchases | - | -13.2B | -6.5B | - | -11.8B |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -3.0B | -14.4B | -7.2B | -559.8M | -12.3B |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | - | - | - | - | - |
| Debt Issuance | 37.9B | - | - | 5.8B | 6.3B |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | 37.9B | - | 0 | 5.8B | 6.3B |
| Free Cash Flow | -55.6B | 16.6B | 21.4B | -9.1B | 13.2B |
| Net Change in Cash | 43.2B | -6.6B | 3.1B | 11.4B | -758.6M |
Cash Flow Trend
Csb Bank Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
10.73
Forward P/E
7.56
Price to Book
1.42
Price to Sales
2.50
PEG Ratio
15.62
Profitability Ratios
Profit Margin
23.85%
Operating Margin
31.94%
Return on Equity
13.20%
Return on Assets
1.24%
Financial Health
Debt to Equity
0.92
Beta
0.25
Per Share Data
EPS (TTM)
₹35.87
Book Value per Share
₹270.88
Revenue per Share
₹150.33
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| CSBBANK | 64.9B | 10.73 | 1.42 | 13.20% | 23.85% | 0.92 |
| HDFC Bank Limited | 12.1T | 17.85 | 2.18 | 13.82% | 26.83% | 1.04 |
| State Bank of India | 10.2T | 12.01 | 1.72 | 15.36% | 22.50% | 1.12 |
| City Union Bank | 194.7B | 16.21 | 1.96 | 12.85% | 37.97% | 0.23 |
| RBL Bank | 198.7B | 27.21 | 1.22 | 4.58% | 9.08% | 0.97 |
| Punjab & Sind Bank | 177.8B | 15.10 | 1.30 | 9.44% | 25.33% | 1.05 |
Financial data is updated regularly. All figures are in the company's reporting currency.





