Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Central Bank of India. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Central Bank of India's
is considered below, and whether this is a fair price.
Price based on past earnings
Central Bank of India's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Central Bank of India has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Central Bank of India
expected to grow at an
Unable to compare Central Bank of India's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare Central Bank of India's earnings growth to the India market average as no estimate data is available.
Unable to compare Central Bank of India's revenue growth to the India market average as no estimate data is available.
Unable to determine if Central Bank of India is high growth as no earnings estimate data is available.
Unable to determine if Central Bank of India is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Central Bank of India's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Central Bank of India
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Central Bank of India's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Pallav Mohapatra has been Chief Executive Officer and Managing Director of Central Bank of India since September 2018. Mr. Mohapatra served as Deputy Managing Director of Stressed Assets Resolution Group at State Bank of India until September 2018 and also served as its Ex-Officio Chief General Manager of Delhi. He served as the Chief Executive Officer of SBI Cards and Payment Services Private Limited until 2014.
Insufficient data for Pallav to compare compensation growth.
Insufficient data for Pallav to establish whether their remuneration is reasonable compared to companies of similar size in India.
MD & CEO
GM & CFO
General Manager of Accounts and Operations
Chief General Manager
Board of Directors Tenure
Average tenure and age of the
Central Bank of India
board of directors in years:
The average tenure for the Central Bank of India board of directors is less than 3 years, this suggests a new board.
Financial Metrics For Central Bank of India (NSE:CENTRALBK)
Central Bank of India’s (NSE:CENTRALBK) profitability and risk are largely affected by the underlying economic growth for the region it operates in IN given it is a small-cap stock with a market capitalisation of ₹92b. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like Central Bank of India to vulnerabilities. … High liquidity and low leverage could position Central Bank of India favourably at the face of macro headwinds.
Three Understated Metrics For Central Bank of India (NSE:CENTRALBK) You Should Know
Central Bank of India’s (NSE:CENTRALBK) profitability and risk are largely affected by the underlying economic growth for the region it operates in IN given it is a small-cap stock with a market capitalisation of ₹182.22b. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like Central Bank of India to vulnerabilities. … Unpredictable macro events such as political instability could weaken its financial position which is why it is important to understand how well the bank manages its risk levels.
Should You Be Concerned With Central Bank of India's (NSE:CENTRALBK) -76.13% Earnings Drop?
Today I will take a look at Central Bank of India's (NSEI:CENTRALBK) most recent earnings update (31 March 2017) and compare these latest figures against its performance over the past few years, as well as how the rest of the banks industry performed. … For Central Bank of India, its most recent trailing-twelve-month earnings is -₹24.59B, which, against the prior year's level, has become more negative. … NSEI:CENTRALBK Income Statement Apr 30th 18 We can further assess Central Bank of India's loss by looking at what the industry has been experiencing over the past few years.
Financial Metrics For Central Bank of India (NSE:CENTRALBK)
View our latest analysis for Central Bank of India NSEI:CENTRALBK Historical Debt Apr 11th 18 Is CENTRALBK's Leverage Level Appropriate? … Relative to the prudent industry loan to deposit level of 90%, Central Bank of India’s ratio of over 47.25% is markedly lower, which means the bank is lending out less than its total level of deposits and positions the bank cautiously in terms of liquidity as it has not disproportionately lent out its deposits and has retained an apt level of deposits. … Given the large headroom for growth in loans, the bank has opportunity to grow its interest income.Next Steps: Central Bank of India passes all of our liquidity and leverage checks which shows it is prudent in managing those factors.
Central Bank of India (NSE:CENTRALBK): Risks You Need To Consider Before Buying
Generally, an investor should consider two types of risk that impact the market value of CENTRALBK. … Every stock in the market is exposed to this risk, which arises from macroeconomic factors such as economic growth and geo-political tussles just to name a few. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one.
Financial Stocks: Is Now The Time To Buy Central Bank of India (NSE:CENTRALBK)?
Check out our latest analysis for Central Bank of India What’s the catalyst for Central Bank of India's sector growth? … As the company trails the rest of the industry in terms of growth, Central Bank of India may also be a cheaper stock relative to its peers. … If your initial investment thesis is around the growth prospects of Central Bank of India, there are other banking companies that have delivered higher growth, and perhaps trading at a discount to the industry average.
Interested In Central Bank of India (NSE:CENTRALBK)? Here's How It's Performing
After reading Central Bank of India's (NSEI:CENTRALBK) latest earnings update (31 March 2017), I found it beneficial to look back at how the company has performed in the past and compare this against the most recent numbers. … Check out our latest analysis for Central Bank of India How Did CENTRALBK's Recent Performance Stack Up Against Its Past? … For Central Bank of India, its most recent trailing-twelve-month earnings is -₹24,593.6M, which, against last year’s figure, has become more negative.
Understated Factors You Should Consider Before Investing In Central Bank of India (NSE:CENTRALBK)
High liquidity and low leverage could position Central Bank of India favourably at the face of macro headwinds. … See our latest analysis for Central Bank of India NSEI:CENTRALBK Historical Debt Dec 26th 17 Is CENTRALBK's Leverage Level Appropriate? … Compared to the appropriate industry loan to deposit level of 90%, Central Bank of India’s ratio of over 47.24%is noticeably lower, which means the bank is lending out less than its total level of deposits and positions the bank cautiously in terms of liquidity as it has not disproportionately lent out its deposits and has retained an apt level of deposits.
Central Bank of India operates as a commercial bank in India. It offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes; and loans, including housing, vehicle, property, personal, senior citizens, education, corporate mortgage and rental, and agricultural, as well as micro small and medium enterprises loans. The company also provides credit, debit, and prepaid/gift cards, as well as cash management, mutual funds, depository, payments, mobile and Internet banking, and ATM services. In addition, it offers investment banking services, such as debt syndication, financial modeling and valuation, merger and acquisition advisory, corporate restructuring, equity products, equity research, and wealth and portfolio management, as well as trusteeship services. Further, the company sells and distributes life and general insurance products, including unit linked, whole life, children, money back, endowment, pension, health, fire, burglary, engineering, motor, rural, overseas mediclaim, package, travel, liability, individual mediclaim, and group insurance products. As of March 31, 2018, it operated through a network of 4,685 branches; 4,886 ATMs; 10 satellite offices; and 1 extension counter. The company was founded in 1911 and is headquartered in Mumbai, India.
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