Technicals Stability Returns

Fundamental Analysis of South Indian Bank (SOUTHBANK)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share466.90
EV/EBITDA-1.43
Market Cap (Cr)3735.54
Enterprise Value (Cr)-71086.67
Piotroski F-Score4.00
Altman Z Score0.300
Graham No217.21
Price/ Graham 0.082
Peter Lynch Ratio11.96
Sloan Ratio-0.0113
Peter Lynch Fair value64.18
Price/ Peter Lynch FV0.278
TSR Fair value1011.27
Key Financial ratios of SOUTHBANK
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    0.426 -38.38 % 3.97    
Price to Book    0.0161 -0.215 % 0.474 0.244    
Price to Sales    0.0177 88.20 % 0.0040    
Earning Per Share    17.59 47.54 % 4.49 0.490    
Return On Equity    3.77 61.95 % 15.63 1.62    
Return On Asset    0.274 63.18 % 0.925 0.099    
Net Profit Margin    4.16 83.64 % 0.100 1.24    
Operating Profit Margin    76.80 -2.04 % 0.060 2.87    
EBITDA Margin    58.18 2.46 % 0.525 14.88    
Debt to Equity Ratio    0.608 7.65 % 0.752    
Current Ratio    5.24 -12.81 % 0.097    
Quick Ratio    0 0 % 0.097    
View Historitcal ratios of South Indian Bank Ltd.
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Tsr Value Index - Excellent Score of 86.11
Tsr Stability Index - Good Score of 65.00
Stock Returns is greater than Nifty by 97.20 % in last one year
Undervalued - Price to Intrinsic Value of 0.0175
Price to Earning Ratio is 3.94 and EV to EBITDA is -1.38 suggesting company is undervalued.
Price to Book Ratio is 0.0379 indicating that it is undervalued.
Earning Yield of 99.37 %
YoY Net Margin Jump by 83.64%
Steady View
Piotroski F Score - Stable Value of 4.0
Annual Net Profit in last 3 years is trending up
Steady increase in Total Assets for last 3 Years
Good Return on Equity of 15.63% is achieved by the company
Risky View
Tsr Profitability Index - Very Poor Score of 17.97
Altman Z Score of 0.300 suggest high risk
Very Low Dividend Yield of 0 %
Quarterly sales in last 5 Quarter is trending down
In the last three years, the company has given poor Net Margin
In the last three years, the company has given poor Returns on Equity
In the last three years, the company has given poor Returns on Assets
EPS decline for last four quarters
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned0 %
Institution Owned19.50 %
Public/Others80.50 %
Outstanding Shares209.27 Cr
Floating Shares197.72 Cr
Floating / Outstanding94.48%
Book Value/Share466.90
Face value1.00
Share Holding
Annual Key Income Statement of SOUTHBANK
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 3675.96 2152.43 70.78 %
Net Income 3675.96 2152.43 70.78 %
Operating Income 67848.72 74475.08 8.90 %
Total Revenue 88339.49 94990.85 7.00 %
Operating Expense 20490.77 20515.77 0.122 %
Interest Expense 46823.08 50804.58 7.84 %
Tax Expense -136.97 1629.93 108.40 %
Income Before tax 3675.96 2152.43 70.78 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Quarterly Key Income Statement of SOUTHBANK
Period 31_Dec_2022 30_Sep_2022 Growth
Net Income From Continuing Ops 103.01 223.28 53.87 %
Net Income 103.01 223.28 53.87 %
Operating Income 237.99 171.04 39.14 %
Total Revenue 8302.59 208.80 K 96.02 %
Operating Expense 587.16 555.33 5.73 %
Interest Expense 1073.12 1013.77 5.85 %
Tax Expense 59.15 23.44 152.35 %
Income Before tax 162.16 246.72 34.27 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 2202.20 2095.54 5.09 %
Current Liabilities 27639.61 20688.94 33.60 %
Total Liabilities 1241.72 K 1187.19 K 4.59 %
Current Assets 144.89 K 124.38 K 16.49 %
Total Assets 1339.30 K 1279.73 K 4.65 %
Working capital 117.25 K 103.69 K 13.08 %
Accounts Payable 1154.23 K 1113.72 K 3.64 %
Inventory 0 0 %
Net Receivable 6119.69 3832.42 59.68 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 21.88 28.87 24.21 %
Cash From Investment Activity -1104.38 -786.84 40.36 %
Cash From Financial Activity 2031.50 5415.16 62.48 %
Cash Operational Activity 19932.33 1239.53 1508.06 %
Net Cash Flow 20859.45 5867.85 255.49 %
NetIncome 3675.96 2152.43 70.78 %
Capital Expenditure 101.89 81.27 25.37 %
Change To Inventory 0 0 %
   



   About The South Indian Bank Limited
The South Indian Bank Limited provides various banking products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. Its personal banking products and services include savings and current accounts, term deposits, and unclaimed deposits/inoperative accounts; personal, car, home, gold, educational, property, and other loans, as well as one time settlement scheme for micro and small enterprises sector; and mutual funds. The company also offers insurance products, such as life insurance, health insurance, and various credit risk insurance, as well as general insurance products, such as fire, liability, marine, motor, personal accident, and travel insurance products. In addition, it provides money transfer services; various cards; and value added services, including SIB rewardz, KYC certification of mutual fund investors, SIB e-academia, 3-in-one trading KIT, green pin, SIB feebook, branch banking, FX-retail, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and Internet banking, demat, pension system, online trading, SIB collect, PAN service agency, cash management, travel card, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. The company's NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits, as well as portfolio investment schemes. Its business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; mortgage and business loans; and merchant acquiring services. As of March 31, 2022, the company had a network of 935 branches and 1270 ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.

Address : SIB House, Thrissur, India, 680001

URL : https://www.southindianbank.com

Employee Count : 9219

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