CSB Bank Past Earnings Performance
Past criteria checks 2/6
CSB Bank has been growing earnings at an average annual rate of 13.7%, while the Banks industry saw earnings growing at 24.2% annually. Revenues have been growing at an average rate of 16.4% per year. CSB Bank's return on equity is 12.9%, and it has net margins of 23.8%.
Key information
13.70%
Earnings growth rate
13.70%
EPS growth rate
| Banks Industry Growth | 37.99% |
| Revenue growth rate | 16.38% |
| Return on equity | 12.94% |
| Net Margin | 23.78% |
| Next Earnings Update | 22 Jul 2026 |
Recent past performance updates
Recent updates
Analysis Article • Jun 26
Is Now The Time To Put CSB Bank (NSE:CSBBANK) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Narrative Update • Jun 06
CSBBANK: Upcoming Board Meetings Will Highlight Steady Outlook And Undervalued Upside
Analysts have kept the fair value estimate for CSB Bank steady at ₹440, with a slightly lower discount rate and largely unchanged long term assumptions on revenue growth, profit margin, and future P/E, resulting in only a fine tuning of their price target rationale. What's in the News Board meeting scheduled on May 11, 2026, at 10:30 IST to consider and approve the appointment of Mr. D Lakshmi Narayanan as Head Operations of the bank.Narrative Update • May 23
CSBBANK: Upcoming Board Meetings Will Spotlight Confident Outlook And Undervalued Upside
Analysts have nudged their price target on CSB Bank slightly higher from ₹436.67 to ₹440.00, reflecting updated assumptions on discount rate, revenue growth, profit margin and future P/E. What's in the News A board meeting is scheduled for May 4, 2026, at 12:40 Indian Standard Time to consider and approve the audited financial results for the quarter and financial year ended March 31, 2026 (Key Developments).Narrative Update • Apr 20
CSBBANK: Upcoming Results Meeting Will Highlight Stable Assumptions And Undervalued Upside
Analysts are keeping their price target for CSB Bank broadly unchanged at about ₹437. This reflects only minor adjustments to inputs such as the discount rate, long-term revenue growth, profit margin assumptions and the expected future P/E multiple, rather than a change in the overall view.Narrative Update • Apr 06
CSBBANK: Stable Inputs And Undervalued Pricing Will Support Future Upside
CSB Bank's analyst price target remains steady at ₹436.67, with only minor tweaks to inputs such as discount rate, revenue growth, profit margin and forward P/E as analysts fine tune their valuation framework without changing the headline number for now. Valuation Changes Fair Value: Analyst assessed fair value stays unchanged at ₹436.67 per share.Narrative Update • Mar 23
CSBBANK: Stable Assumptions And Upcoming Board Review Will Support Future Upside
Analysts have kept the price target for CSB Bank unchanged at ₹436.67. This reflects broadly consistent assumptions on fair value, discount rate, revenue growth, profit margin and future P/E, with only minimal model refinements.Narrative Update • Mar 07
CSBBANK: Leadership Pay And Board Actions Will Support Future Upside Potential
Analysts have kept their fair value estimate for CSB Bank steady at ₹436.67 per share, with only minor tweaks to assumptions such as a slightly lower discount rate and a marginally revised future P/E. This has resulted in a broadly unchanged price target narrative.Narrative Update • Feb 21
CSBBANK: Board Decisions On Leadership Pay Will Support Future Upside Potential
Analysts have maintained their fair value estimate for CSB Bank at ₹436.67 per share, making only minor adjustments to assumptions such as the discount rate, revenue growth, profit margin, and future P/E. These changes have not resulted in any revision to the published price target.Narrative Update • Feb 07
CSBBANK: Fair View Will Depend On Board And Pay Decisions
Analysts have adjusted their price view on CSB Bank to ₹436.67 per share. This reflects updated assumptions around a slightly lower discount rate, revised revenue growth expectations, a modestly higher profit margin and a lower future P/E multiple.Narrative Update • Jan 24
CSBBANK: Overvaluation Will Persist As Pay Decisions Drive Upcoming Meetings
Analysts have kept their price target for CSB Bank broadly steady at ₹436.67, reflecting only minor tweaks to assumptions such as the discount rate, long term revenue growth, profit margin, and future P/E used in their valuation work. What's in the News Board meeting scheduled on January 28, 2026 to consider and approve the unaudited financial results for the quarter ending December 31, 2025 (Key Developments).Narrative Update • Jan 09
CSBBANK: Persistent Overvaluation Will Hinge On Upcoming Shareholder And Board Decisions
Analysts have kept their fair value estimate for CSB Bank steady at ₹436.67, while adjusting underlying assumptions such as a slightly lower discount rate, marginally higher profit margin and a small change in the future P/E they apply to earnings, which together shape the updated price target narrative. What's in the News Board meeting scheduled on Jan 28, 2026, to consider and approve the unaudited financial results for the quarter ending Dec 31, 2025 (company filing) Special or extraordinary shareholders meeting set for Jan 21, 2026, via postal ballot in India (company filing) Valuation Changes Fair Value Estimate remains unchanged at ₹436.67 per share, indicating no revision to the central valuation outcome.Narrative Update • Dec 23
CSBBANK: Fair Outlook Will Reflect Normalized Margins And Governance Developments
Analysts have raised their price target on CSB Bank from ₹395 to approximately ₹437, citing an improved revenue growth outlook and a lower implied future P/E multiple. This is partly offset by expectations of more normalized profit margins and a slightly reduced discount rate.Analysis Article • Nov 11
Here's Why We Think CSB Bank (NSE:CSBBANK) Is Well Worth Watching
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • Aug 20
We Think The Compensation For CSB Bank Limited's (NSE:CSBBANK) CEO Looks About Right
Key Insights CSB Bank to hold its Annual General Meeting on 26th of August CEO Pralay Mondal's total compensation...Narrative Update • Aug 15
Digital Transformation And Indian Inclusion Will Open Future Opportunities
CSB Bank’s consensus price target has decreased to ₹395.00, primarily driven by a sharply lower revenue growth outlook despite improved net profit margins. What's in the News Board meeting scheduled to consider and approve unaudited financial results for the quarter ended June 30, 2025.
New Narrative • Feb 02
Tech Transformation And Asset Diversification Will Improve Efficiency By FY '26
Strategic tech upgrades and asset diversification could boost efficiency and revenue above industry levels.Analysis Article • Aug 25
Does CSB Bank (NSE:CSBBANK) Deserve A Spot On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Dec 15
Do CSB Bank's (NSE:CSBBANK) Earnings Warrant Your Attention?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Jun 30
Does CSB Bank (NSE:CSBBANK) Deserve A Spot On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How CSB Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 26,627 | 6,332 | 9,323 | 0 |
| 31 Dec 25 | 26,079 | 6,220 | 12,533 | 0 |
| 30 Sep 25 | 25,433 | 6,210 | 12,176 | 0 |
| 30 Jun 25 | 23,871 | 5,991 | 11,743 | 0 |
| 31 Mar 25 | 23,375 | 5,938 | 11,302 | 0 |
| 31 Dec 24 | 22,059 | 5,548 | 10,294 | 0 |
| 30 Sep 24 | 21,402 | 5,532 | 10,061 | 0 |
| 30 Jun 24 | 20,768 | 5,479 | 8,432 | 0 |
| 31 Mar 24 | 20,422 | 5,668 | 9,962 | 0 |
| 31 Dec 23 | 19,652 | 5,717 | 9,286 | 0 |
| 30 Sep 23 | 19,148 | 5,777 | 8,982 | 0 |
| 30 Jun 23 | 17,930 | 5,651 | 8,475 | 0 |
| 31 Mar 23 | 16,761 | 5,474 | 7,729 | 0 |
| 31 Dec 22 | 15,974 | 5,217 | 7,450 | 0 |
| 30 Sep 22 | 15,489 | 5,140 | 7,125 | 0 |
| 30 Jun 22 | 15,187 | 5,120 | 5,916 | 0 |
| 31 Mar 22 | 14,006 | 4,585 | 6,676 | 0 |
| 31 Dec 21 | 14,167 | 3,707 | 6,870 | 0 |
| 30 Sep 21 | 12,669 | 2,755 | 6,879 | 0 |
| 30 Jun 21 | 11,658 | 2,258 | 6,691 | 0 |
| 31 Mar 21 | 11,220 | 2,184 | 6,540 | 0 |
| 31 Dec 20 | 7,430 | 1,158 | 5,322 | 0 |
| 30 Sep 20 | 6,649 | 909 | 4,876 | 0 |
| 30 Jun 20 | 5,954 | 467 | 4,750 | 0 |
| 31 Mar 20 | 6,673 | 127 | 4,652 | 0 |
| 31 Dec 19 | 6,858 | 535 | 5,114 | 0 |
| 30 Sep 19 | 6,392 | 189 | 5,479 | 0 |
| 30 Jun 19 | 4,278 | -1,623 | 4,998 | 0 |
| 31 Mar 19 | 3,651 | -1,974 | 4,969 | 0 |
| 31 Dec 18 | 3,894 | -846 | 4,085 | 0 |
| 30 Sep 18 | 3,086 | -1,212 | 3,897 | 0 |
| 30 Jun 18 | 3,369 | -989 | 3,907 | 0 |
| 31 Mar 18 | 2,410 | -1,271 | 3,832 | 0 |
| 31 Dec 17 | 3,005 | -854 | 3,925 | 0 |
| 30 Sep 17 | 3,301 | -682 | 3,891 | 0 |
| 30 Jun 17 | 4,079 | -183 | 3,934 | 0 |
| 31 Mar 17 | 3,426 | -580 | 3,848 | 0 |
| 31 Dec 16 | 3,535 | -544 | 3,877 | 0 |
| 30 Sep 16 | 3,613 | -560 | 4,008 | 0 |
| 30 Jun 16 | 2,581 | -1,221 | 4,027 | 0 |
| 31 Mar 16 | 2,038 | -1,497 | 3,939 | 0 |
| 31 Dec 15 | 3,067 | -772 | 3,542 | 0 |
| 30 Sep 15 | 3,163 | -755 | 3,763 | 0 |
Quality Earnings: CSBBANK has high quality earnings.
Growing Profit Margin: CSBBANK's current net profit margins (23.8%) are lower than last year (25.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CSBBANK's earnings have grown by 13.7% per year over the past 5 years.
Accelerating Growth: CSBBANK's earnings growth over the past year (6.6%) is below its 5-year average (13.7% per year).
Earnings vs Industry: CSBBANK earnings growth over the past year (6.6%) did not outperform the Banks industry 7.9%.
Return on Equity
High ROE: CSBBANK's Return on Equity (12.9%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/16 11:59 |
| End of Day Share Price | 2026/07/16 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
CSB Bank Limited is covered by 10 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Manish Karwa | Axis Capital Limited |
| Praveen Agarwal | Axis Capital Limited |
| Pankaj Kadu | Axis Capital Limited |