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CSB BANK vs RBL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSB BANK RBL BANK CSB BANK/
RBL BANK
 
P/E (TTM) x 10.7 12.2 88.4% View Chart
P/BV x 1.9 1.1 178.6% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 CSB BANK   RBL BANK
EQUITY SHARE DATA
    CSB BANK
Mar-23
RBL BANK
Mar-23
CSB BANK/
RBL BANK
5-Yr Chart
Click to enlarge
High Rs275189 145.3%   
Low Rs17874 240.1%   
Income per share (Unadj.) Rs133.7159.3 83.9%  
Earnings per share (Unadj.) Rs31.615.3 205.7%  
Cash flow per share (Unadj.) Rs87.483.9 104.1%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs183.6224.3 81.8%  
Shares outstanding (eoy) m173.49599.57 28.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.70.8 204.9%   
Avg P/E ratio x7.28.6 83.6%  
Avg P/CF ratio x5.63.5 157.8%  
Avg Price/Bookvalue ratio x1.20.6 210.2%  
Dividend payout %09.8 0.0%   
Avg Mkt Cap Rs m39,29578,948 49.8%   
No. of employees `000NANA-   
Total wages & salary Rs m5,58516,535 33.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m23,19795,496 24.3%  
Other income Rs m3,16025,069 12.6%   
Interest expense Rs m9,85846,786 21.1%   
Net interest income Rs m13,33848,709 27.4%  
Operating expense Rs m9,42551,348 18.4%   
Gross profit Rs m3,914-2,638 -148.3%  
Gross profit margin %16.9-2.8 -610.7%  
Provisions/contingencies Rs m1,60013,235 12.1%   
Profit before tax Rs m7,33612,211 60.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,8633,016 61.8%   
Profit after tax Rs m5,4749,195 59.5%  
Net profit margin %23.69.6 245.1%  
BALANCE SHEET DATA
Advances Rs m206,506701,864 29.4%   
Deposits Rs m245,058848,747 28.9%  
Credit/Deposit ratio x84.382.7 101.9%  
Yield on advances %9.110.8 85.0%   
Cost of deposits %3.74.7 79.3%   
Net Interest Margin %5.04.9 102.2%  
Net fixed assets Rs m3,1945,532 57.7%   
Share capital Rs m1,7355,996 28.9%   
Free reserves Rs m30,118128,511 23.4%   
Net worth Rs m31,853134,507 23.7%   
Borrowings Rs m7,830133,317 5.9%   
Investments Rs m58,487287,303 20.4%   
Total assets Rs m291,6231,158,057 25.2%  
Debt/equity ratio x7.97.3 108.7%   
Return on assets %1.90.8 236.4%  
Return on equity %17.26.8 251.4%  
Capital adequacy ratio %27.116.9 160.2%  
Net NPAs %0.41.1 31.8%  
CASH FLOW
From Operations Rs m22,115-110,312 -20.0%  
From Investments Rs m-7,243-2,336 310.1%  
From Financial Activity Rs m-12,24222,347 -54.8%  
Net Cashflow Rs m2,629-90,301 -2.9%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 49.7 0.0 -  
Indian inst/Mut Fund % 20.7 48.0 43.1%  
FIIs % 4.6 28.3 16.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 50.3 100.0 50.3%  
Shareholders   62,958 344,856 18.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CSB BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on CSB BANK vs RBL BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CSB BANK vs RBL BANK Share Price Performance

Period CSB BANK RBL BANK S&P BSE BANKEX
1-Day 0.03% 0.69% 0.82%
1-Month 1.01% -6.23% 2.48%
1-Year 44.51% 77.87% 19.28%
3-Year CAGR 14.12% 4.87% 12.00%
5-Year CAGR 3.36% -18.91% 9.40%

* Compound Annual Growth Rate

Here are more details on the CSB BANK share price and the RBL BANK share price.

Moving on to shareholding structures...

The promoters of CSB BANK hold a 49.7% stake in the company. In case of RBL BANK the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CSB BANK and the shareholding pattern of RBL BANK.

Finally, a word on dividends...

In the most recent financial year, CSB BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 9.8%.

You may visit here to review the dividend history of CSB BANK, and the dividend history of RBL BANK.

For a sector overview, read our banking sector report.



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