Central Bank of India
Fundamental Score
Central Bank of India Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of CENTRALBK across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (53.62%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (33.34%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Excellent EPS Growth (32.11% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (39.11% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Suboptimal ROCE (5.48%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 11.87)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.28x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-6462.16 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Limited Public Float (89.27% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
Limited Institutional Interest (FII+DII: 5.74%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Central Bank of India
About CENTRALBK
Business Overview
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 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. It operates through a network of branches, ATMs, satellite offices, and an 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. Central Bank of India was incorporated in 1911 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
CENTRALBK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Central Bank of India (CENTRALBK)?
As of 30 Jan 2026, 01:37 pm IST, Central Bank of India (CENTRALBK) is currently trading at ₹37.43. The stock has a market capitalization of ₹34.78K (Cr).
Is CENTRALBK share price Overvalued or Undervalued?
CENTRALBK is currently trading at a P/E ratio of 7.69x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Central Bank of India share price?
Key factors influencing CENTRALBK's price include its quarterly earnings growth (Sales Growth: 6.57%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Central Bank of India a good stock for long-term investment?
Central Bank of India shows a 5-year Profit Growth of 39.11% and an ROE of 11.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.87 before investing.
How does Central Bank of India compare with its industry peers?
Central Bank of India competes with major peers in the Public Sector Bank. Investors should compare CENTRALBK's P/E of 7.69x and ROE of 11.43% against the industry averages to determine its competitive standing.
What is the P/E ratio of CENTRALBK and what does it mean?
CENTRALBK has a P/E ratio of 7.69x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹8 for every ₹1 of annual earnings.
How is CENTRALBK performing according to Bull Run's analysis?
CENTRALBK has a Bull Run fundamental score of 49.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does CENTRALBK belong to?
CENTRALBK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Central Bank of India.
What is Return on Equity (ROE) and why is it important for CENTRALBK?
CENTRALBK has an ROE of 11.43%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Central Bank of India generates profits from shareholders' equity.
How is CENTRALBK's debt-to-equity ratio and what does it indicate?
CENTRALBK has a debt-to-equity ratio of 11.87, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is CENTRALBK's dividend yield and is it a good dividend stock?
CENTRALBK offers a dividend yield of 1.04%, which means you receive ₹1.04 annual dividend for every ₹100 invested.
How has CENTRALBK grown over the past 5 years?
CENTRALBK has achieved 5-year growth rates of: Sales Growth 7.38%, Profit Growth 39.11%, and EPS Growth 32.11%.
What is the promoter holding in CENTRALBK and why does it matter?
Promoters hold 89.27% of CENTRALBK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is CENTRALBK's market capitalization category?
CENTRALBK has a market capitalization of ₹34775 crores, placing it in the Large-cap category.
How volatile is CENTRALBK stock?
CENTRALBK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for CENTRALBK?
CENTRALBK has a 52-week high of ₹N/A and low of ₹N/A.
What is CENTRALBK's operating profit margin trend?
CENTRALBK has a 5-year average Operating Profit Margin (OPM) of 53.62%, indicating the company's operational efficiency.
How is CENTRALBK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 6.57% and YoY Profit Growth of 33.34%.
What is the institutional holding pattern in CENTRALBK?
CENTRALBK has FII holding of 0.88% and DII holding of 4.86%. Significant institutional holding often suggests professional confidence in the stock.