South Indian Bank (SOUTHBANK) | Financial Analysis & Statements
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Mar 2025Income Metrics
Revenue
13.6B
Net Income
3.4B
25.12%
Balance Sheet Metrics
Total Assets
1.2T
Total Liabilities
1.1T
Shareholders Equity
101.1B
Debt to Equity
11.33
Cash Flow Metrics
Revenue & Profitability Trend
South Indian Bank Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 53.0B | 48.5B | 39.6B | 32.8B | 34.0B |
| 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 | - | 449.5M | 374.0M | 194.4M | 209.1M |
| Other Operating Expenses | 13.6B | 8.5B | 6.2B | 4.1B | 4.1B |
| Total Operating Expenses | 13.6B | 8.9B | 6.6B | 4.3B | 4.3B |
| 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 | 17.6B | 15.3B | 11.1B | -922.2M | 866.6M |
| Income Tax | 4.5B | 4.6B | 3.3B | -1.4B | 247.5M |
| Effective Tax Rate % | 25.8% | 30.0% | 30.1% | 0.0% | 28.6% |
| Net Income | 13.0B | 10.7B | 7.8B | 448.1M | 619.1M |
| Net Margin % | 24.6% | 22.1% | 19.6% | 1.4% | 1.8% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹4.98 | ₹5.10 | ₹3.49 | ₹0.19 | ₹0.31 |
| EPS (Diluted) | ₹4.98 | ₹5.09 | ₹3.49 | ₹0.19 | ₹0.31 |
| Basic Shares Outstanding | 2616666667 | 2099888358 | 2221072858 | 2277871890 | 1965275898 |
| Diluted Shares Outstanding | 2616666667 | 2099888358 | 2221072858 | 2277871890 | 1965275898 |
Income Statement Trend
South Indian Bank Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 122.6B | 86.5B | 96.7B | 113.9B | 100.1B |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | - | 15.9B | 14.7B | 14.2B | 13.5B |
| Goodwill | - | - | - | - | - |
| Intangible Assets | - | - | - | - | - |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 1.2T | 1.2T | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | - | 2.6B | 2.0B | 1.8B | 1.9B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 43.0B | 40.7B | 68.2B | 34.2B | 42.1B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 1.1T | 1.1T | - | - | - |
| Equity | |||||
| Common Stock | 2.6B | 2.6B | 2.1B | 2.1B | 2.1B |
| Retained Earnings | - | 6.0B | 2.2B | -380.4M | 46.3M |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 101.1B | 88.3B | 66.7B | 58.5B | 58.1B |
| Key Metrics | |||||
| Total Debt | 43.0B | 40.7B | 68.2B | 34.2B | 42.1B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
South Indian Bank Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 17.6B | 15.3B | 11.1B | -922.2M | 619.1M |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 53.5M | 25.4M | 1.1M | 2.0M | -4.6M |
| Working Capital Changes | 3.8B | 14.0B | 19.0B | -2.2B | 5.8B |
| Operating Cash Flow | 24.1B | 33.7B | 34.9B | 1.2B | 9.3B |
| Investing Activities | |||||
| Capital Expenditures | -1.6B | -1.7B | -1.1B | -370.3M | -756.4M |
| Acquisitions | - | - | - | - | - |
| Investment Purchases | - | - | - | - | - |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -1.6B | -1.7B | -1.1B | -370.3M | -756.4M |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | -784.9M | -627.8M | - | - | - |
| Debt Issuance | - | - | - | - | - |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | -780.2M | 10.9B | 0 | - | 2.4B |
| Free Cash Flow | -25.1B | 68.9B | -73.7B | 50.6B | 57.3B |
| Net Change in Cash | 21.8B | 42.8B | 33.8B | 812.8M | 10.9B |
Cash Flow Trend
South Indian Bank Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
5.76
Forward P/E
6.48
Price to Book
0.74
Price to Sales
1.59
PEG Ratio
0.59
Profitability Ratios
Profit Margin
27.59%
Operating Margin
35.66%
Return on Equity
13.61%
Return on Assets
1.08%
Financial Health
Debt to Equity
0.17
Beta
0.20
Per Share Data
EPS (TTM)
₹5.09
Book Value per Share
₹39.76
Revenue per Share
₹18.45
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| southbank | 76.7B | 5.76 | 0.74 | 13.61% | 27.59% | 0.17 |
| HDFC Bank Limited | 15.4T | 22.92 | 2.83 | 13.93% | 25.79% | 1.06 |
| ICICI Bank | 10.2T | 19.52 | 3.11 | 17.88% | 25.74% | 0.62 |
| Punjab & Sind Bank | 199.7B | 17.45 | 1.46 | 7.56% | 24.50% | 0.91 |
| RBL Bank | 154.1B | 26.37 | 0.98 | 4.58% | 7.97% | 0.88 |
| Jammu and Kashmir | 114.9B | 5.34 | 0.79 | 14.65% | 30.38% | 0.16 |
Financial data is updated regularly. All figures are in the company's reporting currency.