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Central Bank of India Q2 FY27 Share Price & Earnings Call Analysis

₹29.22+1.00% today
Market cap
₹26,431 Cr
P/E
5.48
ROE
11.90%
PEG
0.14
Price to sales
0.69
Debt to equity
13.16
52W high / low
₹40.4 / ₹28.8
Sales growth (5Y)
9.64%
EBITDA margin
63.00%
Net profit margin
12.51%
Promoter holding
81.19%
Sales (last year)
₹38,888 Cr

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.[1]

Guidance scorecard · Q2 FY27 call

What Central Bank of India's management guided
and where it ranks in Banks

Revenue20–40%MarginsFlatCapexWhat management saidFundraisingWhat management saidOrder bookWhat management said

RevenueQ2 FY27 call

20–40%
  • Total business grew by 20.54% to Rs.8,89,541 Crores, exceeding guidance of 14-15%.
  • Domestic deposits increased by 14.41%, above the 10-12% guidance.
  • Advances grew by 29.83%, much higher than the 14-16% guidance.
  • RAM (Retail, Agriculture, MSME) segment grew 21.11%, with retail up 24.49%, agriculture 19.92%, and MSME 17.36%.
  • Corporate loan book increased 42% year-on-year to Rs.1,18,666 Crores; pipeline includes Rs.7,000 Crores undisbursed, Rs.5,200 Crores under process, and Rs.11,000 Crores under consideration.
  • Focus areas: gold loans (targeting new customized branches), SHGs (tie-ups with NRLM across 26 states), housing loans (growth in ticket size and volume), renewable energy, roads, data centers, real estate, hospitality.

2 more points from Central Bank of India's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what Central Bank of India said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

  • Investment in technology: Creation of a new banking emerging technology (NBET) department focused on improving digital platforms and customer experience, with 45 digital journeys already launched and ongoing fine-tuning planned.
  • Expansion and customization of 116 gold loan branches aimed at providing faster services (TAT of 30 minutes).
  • Launch of new products such as credit card franchise and cash management services expected from January to June next year to support CASA growth.

2 more points from Central Bank of India's call on capex

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Full Q2 FY27 analysis

FundraisingQ2 FY27 call

See what Central Bank of India said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

  • Pending disbursement for corporate loans stands at over Rs. 7,000 Crores.
  • Proposals under process amount to approximately Rs. 5,200 Crores.
  • Additional proposals under consideration total around Rs. 11,000 Crores.
  • Overall, the corporate loan book under consideration is roughly Rs. 24,000 Crores.

2 more points from Central Bank of India's call on the order book

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Full Q2 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. IDFC First BankGood growth
    3
See all potential multibaggersWhere does Central Bank of India rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3IDFC First Bank20–40%Flat₹67,332 Cr29.9
420–40%Flat₹58,716 Cr49.8
520–40%Flat₹13,576 Cr9.4
620–40%Flat₹6,759 Cr8.6

Sign up free to see every company in the sector ranking and track Central Bank of India.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of Central Bank of India

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Central Bank of India

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +93.08%93.08%93.08%93.08%93.08%89.27%89.27%89.27%89.27%89.27%81.19%81.19%
FIIs +0.07%0.17%0.16%0.33%0.44%1.27%0.97%0.88%0.85%0.75%0.93%1.29%
DIIs +2.79%2.80%2.81%2.81%2.82%5.87%5.06%4.86%4.82%4.82%10.95%10.63%
Public +4.04%3.95%3.95%3.75%3.65%3.59%4.70%4.98%5.06%5.16%6.93%6.91%
No. of Shareholders5,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,9397,14,5477,44,2257,42,939

Financials of Central Bank of India

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +7,3777,8428,3718,3678,2358,5428,6538,6238,7779,0709,6989,72610,394
Interest4,3384,6724,8114,8014,8074,9845,2385,2225,4765,5525,6775,7946,227
Expenses +3,5343,3773,5613,9203,5003,3733,9683,3813,2913,8533,5733,1293,833
Financing Profit-495-207-1-354-71185-553219-335448803334
Financing Margin %-7%-3%-0%-4%-1%2%-6%0%0%-4%5%8%3%
Other Income +1,0621,3291,3631,1661,6491,2321,7231,8571,4701,9271,1619881,380
Depreciation0000000000000
Profit before tax5671,1221,3638121,5781,4181,1711,8781,4791,5921,6091,7911,715
Tax %-7%35%40%-9%42%32%11%33%18%21%54%26%14%
Net Profit +6237388179459269661,1061,2841,2341,2657481,3251,488
EPS in Rs0.720.850.941.091.061.111.221.421.361.400.821.461.64
Gross NPA %4.61%4.50%4.50%4.54%4.59%3.87%3.18%3.14%3.02%2.71%2.67%2.61%2.40%
Net NPA %1.64%1.28%1.24%0.75%0.70%0.61%0.56%0.50%0.49%0.46%0.50%0.51%0.32%

Financials of Central Bank of India

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +26,47625,98824,77524,16322,74923,67622,83022,90325,65730,84933,79736,16838,888
Interest19,20018,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,92623,249
Expenses +8,62011,52912,74414,01514,58012,13512,41910,47712,77813,09914,10213,57814,388
Financing Profit-1,344-4,430-6,136-7,455-7,766-4,464-4,133-934-1,026-133-1346641,250
Financing Margin %-5%-17%-25%-31%-34%-19%-18%-4%-4%-0%-0%2%3%
Other Income +1,9002,0192,8712,6202,4163,6222,9942,9864,1644,8145,7846,4635,458
Depreciation2302402582602782852932973865005585300
Profit before tax327-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7524,1815,0926,5976,708
Tax %-89%-47%-31%0%0%0%-30%38%39%36%23%31%
Net Profit +670-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,6773,9434,5314,826
EPS in Rs4.02-8.26-12.93-19.63-13.88-2.20-1.701.241.933.074.355.005.32
Dividend Payout %12%0%0%0%0%0%0%0%0%0%4%36%

Financials of Central Bank of India

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital1,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,0519,051
Reserves16,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,95032,587
Deposits262,263266,686297,309295,354300,311314,201330,328343,165359,775385,541413,271468,444508,863
Borrowing19,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82031,85438,908
Other Liabilities +12,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,48511,7809,613
Total Liabilities312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079599,022
Fixed Assets +2,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,2025,163
CWIP0000000000000
Investments89,92189,08792,277102,769125,453142,526148,518140,775136,569144,010141,652157,607164,475
Other Assets +220,001213,165238,118220,227202,112210,279216,315241,553265,725298,416333,591388,270429,384
Total Assets312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079599,022

Financials of Central Bank of India

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +2,27428161,871-44,376-14,5101,726-2,00314,277-8,786-5,910-2,4602,804
Cash from Investing Activity +-332-149-189-310-251-315-202-133-209-584-451-454
Cash from Financing Activity +5105991,5435,1546,7963,3965,0550001,500-713
Net Cash Flow2,45273263,225-39,533-7,9654,8072,84914,143-8,995-6,494-1,4101,637
Free Cash Flow1,98913261,682-44,687-14,7611,411-2,20614,143-8,995-6,494-2,9102,350

Financials of Central Bank of India

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%-8%-13%-28%-30%-6%-4%4%6%9%11%12%

Guidance history

How Central Bank of India's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%Flat———
Q1 FY27 call →20–40%FlatPlannedNone planned—
Q4 FY26 call →10–20%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

14out of 100

Momentum score · price trend

14 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−28.4%25%
Last 6 months−20.2%20%
Last 3 months−7.2%50%

The price is 86% below its all-time high of ₹206.73 (5 Nov 2010). Stocks more than 20% below their peak have their score halved, so 28 became 14.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Central Bank of India: 0.4 × 25 + 0.4 × 20 + 0.2 × 50 = 28, halved to 14 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 28 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Central Bank of India's management said in earlier quarters

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