Central Bank of India Stock Price Today (NSE: CENTRALBK)
Fundamental Score
Central Bank of India Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Central Bank of India share price today is ₹31.46, up +1.58% on NSE/BSE as of 3 August 2026. Central Bank of India (CENTRALBK) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹29.63K (Cr). The 52-week high for CENTRALBK share price is ₹40.92 and the 52-week low is ₹29.32. At a P/E ratio of 6.56x, CENTRALBK is currently trading below its industry average P/E of 7.40x. The company has a Return on Equity (ROE) of 11.90% and a debt-to-equity ratio of 12.83.
Central Bank of India Share Price Chart — NSE/BSE Historical Performance
Central Bank of India share price chart: -5.23% return over the past month. 52-week high ₹40.92, 52-week low ₹29.32.
Central Bank of India — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹31.04 | ₹31.14 | ₹30.93 | ₹30.97 | 47.80L (Cr) | |
| ₹31.15 | ₹31.15 | ₹30.91 | ₹31.02 | 25.67L (Cr) | |
| ₹31.20 | ₹31.27 | ₹30.96 | ₹31.19 | 40.98L (Cr) | |
| ₹31.25 | ₹31.26 | ₹30.85 | ₹30.89 | 57.30L (Cr) | |
| ₹31.30 | ₹31.61 | ₹31.16 | ₹31.25 | 74.86L (Cr) | |
| ₹30.72 | ₹31.17 | ₹30.52 | ₹31.03 | 71.06L (Cr) | |
| ₹31.13 | ₹31.18 | ₹30.78 | ₹30.95 | 87.92L (Cr) | |
| ₹32.00 | ₹32.40 | ₹31.92 | ₹32.02 | 83.53L (Cr) | |
| ₹31.79 | ₹32.22 | ₹31.41 | ₹32.05 | 151.09L (Cr) | |
| ₹32.60 | ₹33.30 | ₹31.56 | ₹31.66 | 331.17L (Cr) |
Central Bank of India — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹32.69 | ₹33.30 | ₹30.52 | ₹30.97 | -5.26% | |
| ₹30.98 | ₹34.48 | ₹29.32 | ₹32.53 | +5.00% | |
| ₹36.01 | ₹36.93 | ₹30.52 | ₹30.77 | -14.55% | |
| ₹32.60 | ₹37.09 | ₹32.01 | ₹36.42 | +11.72% | |
| ₹37.79 | ₹39.20 | ₹31.30 | ₹31.43 | -16.83% | |
| ₹36.55 | ₹40.92 | ₹35.52 | ₹40.07 | +9.63% | |
| ₹37.54 | ₹39.75 | ₹35.50 | ₹37.43 | -0.29% | |
| ₹38.50 | ₹39.04 | ₹35.40 | ₹37.40 | -2.86% | |
| ₹39.70 | ₹40.53 | ₹37.24 | ₹38.37 | -3.35% | |
| ₹37.90 | ₹40.65 | ₹36.66 | ₹39.48 | +4.17% | |
| ₹34.66 | ₹38.75 | ₹34.52 | ₹37.78 | +9.00% | |
| ₹35.83 | ₹37.08 | ₹34.22 | ₹34.52 | -3.66% |
AI Research Briefing
Powered by Gemini · 2026-04-10
Central Bank of India is a leveraged bet on a fragile Indian economic recovery, overshadowed by debt and global risks.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Central Bank of India saw Pradip P. Khimani's tenure as a Director end on April 10, 2026. The Reserve Bank of India (RBI) has maintained the repo rate at 5.25%. Central Bank of India submitted a SEBI compliance certificate for Q4FY26. The Competition Commission of India (CCI) approved Central Bank of India's acquisition of additional stakes in Generali Central Insurance Company Limited (1.09%) and Generali Central Life Insurance Company Limited (0.82%) on March 3, 2026.
CORE STORY (THE REAL GAME)
Central Bank of India is a play on cyclical recovery in the Indian economy, with a small kicker from its insurance ventures. It is a leveraged bet on loan growth and NIM expansion, but faces stiff competition from better-capitalized private banks.
- CCI approval for increased stake in Generali Insurance
- RBI maintains repo rate at 5.25%
- Submission of SEBI compliance certificate for Q4FY26
- Significant loan growth exceeding expectations
- Sharp improvement in NIMs
- Successful turnaround in FCF
- High Debt/Equity Ratio: 11.87
- Negative Free Cash Flow: ₹-6462.16 Cr
- Low Interest Coverage: 1.28x
FII decreased holdings by 0.09% and DII decreased holdings by 0.2%.
India's growth outlook is vulnerable to risks and uncertainty amid Middle East conflict.
Fresh purchases for February and March 2026.
No - Free Cash Flow 5Y: ₹-6462.16 Cr
Expect loan growth to drive earnings in the next 3-6 months. Monitor asset quality closely due to high leverage.
Primary Thesis Risk
A global recession or sustained high oil prices will crush this bank.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Central Bank of India Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Central Bank of India Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CENTRALBK across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (57.13%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Excellent EPS Growth (37.94% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (45.91% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Attractive Dividend Yield (3.67%)
Observation: Healthy dividend yield provides income component to returns.
Analysis: Dividend yield >3% offers income potential while indicating cash flow strength.
Risk Factors
6 factors identified
Suboptimal ROCE (5.64%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-32.49%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 12.83)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.30x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-1906.26 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (81.19% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Central Bank of India vs Public Sector Bank Peers
Peer Comparison - Public Sector Bank
Compare Central Bank of India with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Central Bank of IndiaCentral Bank of...Selected✓ CENTRALBK • 532885 | 39.4/100 | ₹31.46₹31 | ₹29625.38₹29625.38 | 6.56Average 6.6 Average | 11.90%Average 11.90% Average | 5.64%Poor 5.64% Poor | 12.83Poor 12.8 Poor | 45.91%Excellent 45.91% Excellent | 9.64%Good 9.64% Good | 3.67% |
State Bank of IndiaState Bank of I... SBIN • 500112 | 47.2/100 | ₹1027.40₹1027 | ₹951408.11₹951408.11 | 11.42Average 11.4 Average | 15.38%Good 15.38% Good | 6.13%Poor 6.13% Poor | 11.44Poor 11.4 Poor | 30.01%Excellent 30.01% Excellent | 13.11%Good 13.11% Good | 1.68% |
Union Bank of IndiaUnion Bank of I... UNIONBANK • 532477 | 56.5/100 | ₹171.24₹171 | ₹131680.68₹131680.68 | 6.38Average 6.4 Average | 15.70%Good 15.70% Good | 6.30%Poor 6.30% Poor | 9.74Poor 9.7 Poor | 46.86%Excellent 46.86% Excellent | 9.03%Good 9.03% Good | 2.90% |
Bank of BarodaBank of Baroda... BANKBARODA • 532134 | 51.5/100 | ₹242.60₹243 | ₹128327.35₹128327.35 | 6.47Average 6.5 Average | 12.70%Average 12.70% Average | 5.63%Poor 5.63% Poor | 11.13Poor 11.1 Poor | 72.77%Excellent 72.77% Excellent | 12.56%Good 12.56% Good | 3.43% |
Punjab National BankPunjab National... PNB • 532461 | 50.5/100 | ₹112.71₹113 | ₹121549.78₹121549.78 | 6.61Average 6.6 Average | 12.99%Average 12.99% Average | 6.13%Poor 6.13% Poor | 12.22Poor 12.2 Poor | 48.17%Excellent 48.17% Excellent | 9.80%Good 9.80% Good | 2.84% |
Canara BankCanara Bank... CANBK • 532483 | 48.8/100 | ₹124.98₹125 | ₹114753.03₹114753.03 | 6.40Average 6.4 Average | 16.08%Good 16.08% Good | 6.52%Poor 6.52% Poor | 14.64Poor 14.6 Poor | 44.35%Excellent 44.35% Excellent | 12.46%Good 12.46% Good | 3.32% |
Indian BankIndian Bank... INDIANB • 532814 | 57.5/100 | ₹836.50₹837 | ₹111845.25₹111845.25 | 8.75Average 8.8 Average | 15.45%Good 15.45% Good | 6.32%Poor 6.32% Poor | 10.64Poor 10.6 Poor | 30.02%Excellent 30.02% Excellent | 11.54%Good 11.54% Good | 2.20% |
Bank of IndiaBank of India... BANKINDIA • 532149 | 49.1/100 | ₹137.95₹138 | ₹66118.61₹66118.61 | 6.25Average 6.3 Average | 12.41%Average 12.41% Average | 5.93%Poor 5.93% Poor | 11.67Poor 11.7 Poor | 39.24%Excellent 39.24% Excellent | 13.10%Good 13.10% Good | 3.20% |
Indian Overseas BankIndian Overseas... IOB • 532388 | 52.9/100 | ₹33.90₹34 | ₹65048.76₹65048.76 | 12.50Average 12.5 Average | 14.86%Average 14.86% Average | 6.07%Poor 6.07% Poor | 11.19Poor 11.2 Poor | 44.37%Excellent 44.37% Excellent | 13.46%Good 13.46% Good | 0.00% |
Bank of MaharashtraBank of Maharas... MAHABANK • 532525 | 64.9/100 | ₹79.33₹79 | ₹61609.36₹61609.36 | 8.18Average 8.2 Average | 22.65%Excellent 22.65% Excellent | 6.03%Poor 6.03% Poor | 10.74Poor 10.7 Poor | 65.15%Excellent 65.15% Excellent | 19.80%Excellent 19.80% Excellent | 2.75% |
UCO BankUCO Bank... UCOBANK • 532505 | 44/100 | ₹26.17₹26 | ₹32891.24₹32891.24 | 11.89Average 11.9 Average | 8.61%Poor 8.61% Poor | 5.55%Poor 5.55% Poor | 10.55Poor 10.6 Poor | 110.04%Excellent 110.04% Excellent | 12.71%Good 12.71% Good | 1.68% |
Top Public Sector Bank Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- State Bank of India share price951408.11 Cr
- Union Bank of India share price131680.68 Cr
- Bank of Baroda share price128327.35 Cr
- Punjab National Bank share price121549.78 Cr
- Canara Bank share price114753.03 Cr
Central Bank of India PE Ratio History
Historical price-to-earnings ratio for CENTRALBK — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹4.53 | ₹37.40 | 8.3x |
| FY 2024 | ₹3.07 | ₹53.31 | 17.4x |
| FY 2023 | ₹1.93 | ₹50.10 | 26x |
| FY 2022 | ₹1.24 | ₹32.15 | 25.9x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Central Bank of India Quarterly Performance
Latest quarterly metrics for CENTRALBK — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
12.07%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-32.49%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
9.64%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
45.91%
Compounded annual net profit growth over 5 years
Central Bank of India Technical Indicators
SMA 50, SMA 200, RSI and volume signals for CENTRALBK — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Central Bank of India Financial Statements
Annual income statement, balance sheet and cash flow for Central Bank of India (CENTRALBK) — sourced from NSE/BSE filings.
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Fetching financial data for Central Bank of India
About CENTRALBK (Central Bank of India)
Central Bank of India is a venerable institution deeply woven into the fabric of India's financial history. Established in 1911, it stands as one of the nation's oldest and most re...spected public sector banks, bearing witness to the economic evolution of a country striving for progress. With a network spanning the breadth and depth of the nation, Central Bank of India extends its services to a diverse clientele, from bustling metropolitan hubs to the most remote rural outposts, embodying the spirit of financial inclusion and serving as a trusted partner to generations of Indians. It operates with a commitment to fostering economic growth and stability, channeling resources to empower individuals, businesses, and communities across the country. The bank provides a diverse array of financial products designed to cater to the varied needs of its customers. Savings accounts, catering to individual financial goals, and current accounts that facilitate efficient business operations, are complemented by a suite of deposit schemes. Fixed and recurring deposit options provide avenues for secure savings, while specialized offerings for senior citizens reflect a commitment to age-inclusive finance. Beyond deposits, Central Bank of India provides crucial credit facilities. This includes home loans to realize aspirations of home ownership and education loans that empower individuals to pursue higher learning and contribute to the nation's intellectual capital. The bank also demonstrates commitment to supporting the nation's key sectors, with a diverse range of loan products. Vehicle loans fuel mobility and economic activity, while loans for property development and acquisition contribute to the growth of the real estate sector. The bank's focus extends to empowering micro, small, and medium enterprises (MSMEs), the engine of economic growth, with tailored credit solutions that fuel innovation and create employment opportunities. As it looks to the future, Central Bank of India continues to adapt to the changing landscape of finance, embracing technological advancements to enhance its services, while remaining rooted in its core values of integrity, customer service, and national development.
Company Details
Key Leadership
Corporate Events
Latest News
CENTRALBK Share Price: Frequently Asked Questions
What is the current share price of Central Bank of India?
Central Bank of India (CENTRALBK) trades at ₹31.46 on NSE and BSE. Market cap ₹29.63K (Cr). Educational data only.
What is the P/E ratio of Central Bank of India?
Central Bank of India has a P/E of 6.56x vs industry average 7.40x.
What is the Bull Run score for Central Bank of India?
Central Bank of India has a Bull Run score of 39.4/100 based on 25+ financial parameters.
Does Central Bank of India pay dividends?
Central Bank of India has a dividend yield of 3.67%. Past dividends don't guarantee future payments.
What is the ROE of Central Bank of India?
Central Bank of India has ROE of 11.90%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Central Bank of India?
Central Bank of India has debt-to-equity of 12.83.
Is Central Bank of India a good investment?
Bull Run gives Central Bank of India a score of 39.4/100. This is not investment advice — consult a SEBI-registered advisor.