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CSB Bank share price & results

CSB Bank· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Kerala private bank (since 1920) built on gold loans, retail, MSME and corporate banking across 862 branches.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue1,339 ₹ crore+20.7% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit183 ₹ crore+14.4% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity13.21 %−0.9 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)22.99 %+2.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

6 of 9 judged targets kept · 16 open · verdicts reflect calls analysed to Q1 FY27.

CSB Bank management guidance track record on Inve: 25 targets tracked across analysed earnings calls (6 achieved, 3 missed, 16 open).

TargetOriginal wordingSaidLatest callVerdict
CBS Migration CompletionCompleted in Q1 FY26, stabilized by Q2 FY26
Call transcript, Q3 FY25 · 28 Jan 2025		Q3 FY25Q1 FY27:Promise completed and achieved in FY26.
Call transcript, Q1 FY27 · 22 Jul 2026		Achieved
Credit Cost<30 bps for FY26
Call transcript, Q4 FY25 · 28 Apr 2025		Q4 FY25Q1 FY27:Promise related to FY26 performance, which was missed.
Call transcript, Q1 FY27 · 22 Jul 2026		Missed
SME Growth Rate28%-30% growth range in the next two years (by FY28)
Call transcript, Q4 FY26 · 4 May 2026		Q4 FY26Q1 FY27:Management stated a 'measured' and 'cautious' approach towards the SME/BLG portfolio due to market uncertainties, putting the aggressive growth target at risk.
Call transcript, Q1 FY27 · 22 Jul 2026		At Risk

Source: Inve Guidance Tracker for CSB Bank · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of CSB Bank's 25 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 22 more targets are in the full ledger.

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Price

₹311.7 +1.32% · +₹4.05

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −22.5% 1Y

₹300₹400₹500Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 6 Nov 2025Q3 FY26 — 28 Jan 2026Q4 FY26 — 4 May 2026Q1 FY27 — 22 Jul 2026

1Y: ₹401.95 on 24 Oct 2025 → ₹311.7. High ₹557.45 (5 Jan 2026), low ₹296.35 (15 Sept 2026).

Previous close
₹307.65
Market cap
₹5.3k Cr
52-week range
₹296.35 – ₹557.45
One year
−25.30%
Price to earnings (TTM to Sept 2026)
7.76×
Return on equity (TTM to Sept 2026)
13.21%

Overview

Symbol
NSE:CSBBANK
Exchange
NSE
Currency
INR

What CSB Bank does

Based on the company's own presentations, annual report and earnings calls.

CSB Bank is a private-sector bank headquartered in Kerala, the oldest such bank in the state, promoted by FIH Mauritius Investments Ltd, an entity backed by the Fairfax Group. It serves retail customers, MSMEs, corporate clients, agricultural borrowers and high-net-worth/digital banking customers through a branch network spread across metropolitan, urban, semi-urban and rural India. Gold loans (lending against pledged household gold) form a core, distinctive line of business alongside wholesale/corporate lending, a dedicated Business Lending Group for MSME/business banking, and treasury operations funded by retail deposits.

Segments

  • Gold Loan
  • Wholesale/Corporate Banking
  • Business Lending Group (BLG)/MSME
  • Retail Banking
  • Treasury/Investments
Branch network
862 branches (as of March 2026)
Branch mix by geography type
232 metropolitan, 171 urban, 394 semi-urban, 65 rural branches
Geographic footprint
Branches concentrated in Kerala (31%), Tamil Nadu (16%), Andhra Pradesh (13%), Maharashtra (11%) and Karnataka (7%), with the remainder spread across states including Delhi, Telangana and Gujarat
Gold loan accounts
4.16 lakh accounts (FY26)
Gold held as loan collateral
24.04 tonnes (FY26)
Market position
Oldest private-sector bank in Kerala
Founded 1920Headquarters CSB Bhavan, St. Mary's College Road, Thrissur - 680020, Kerala, India Company website

How the price took the results

close before → close after

Q1 FY27
−6.7%
22 Jul
Q4 FY26
+2.7%
4 May
Q3 FY26
−15.5%
28 Jan
Q2 FY26
+1.4%
6 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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