SOUTHBANK
The South Indian Bank Limited (SOUTHBANK) Stock Analysis
The South Indian Bank Limited is a Kerala-headquartered private sector bank serving retail and corporate customers in South India. It offers deposits, loans, digital banking, and treasury services through branches and online channels. The bank focuses on MSME and retail banking growth. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹51.50
+10.97% 1W | +50.70% 52W
Market Cap
13.5k CR
P/E Ratio
8.9
52W High
₹52.1
52W Low
₹31.5
Div. Yield
0.91%
Beta
0.2
50 DMA
₹46.7
200 DMA
₹43
Profit Margin
29.4%
Inst. Own.
29.8%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,025 | 2,129 | 2,184 | 2,275 | 2,314 | 2,355 | 2,371 | 2,373 | 2,362 | 2,407 | 2,518 | 2,559 | 2,628 |
| Interest | 1,217 | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,501 | 1,505 | 1,530 | 1,598 | 1,637 | 1,644 | 1,603 |
| Expenses | 877 | 777 | 836 | 828 | 893 | 852 | 815 | 981 | 1,021 | 852 | 862 | 755 | 897 |
| Financing Profit | -69 | 54 | -17 | 47 | -27 | 30 | 54 | -113 | -188 | -43 | 18 | 161 | 128 |
| Financing Margin % | -3% | 3% | -1% | 2% | -1% | 1% | 2% | -5% | -8% | -2% | 1% | 6% | 5% |
| Other Income | 361 | 355 | 452 | 346 | 422 | 410 | 409 | 572 | 622 | 516 | 486 | 386 | 380 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 292 | 409 | 435 | 393 | 394 | 440 | 463 | 459 | 433 | 473 | 504 | 547 | 508 |
| Tax % | 31% | 33% | 30% | 27% | 26% | 26% | 26% | 25% | 26% | 26% | 26% | 25% | 26% |
| Net Profit | 203 | 275 | 305 | 287 | 294 | 325 | 342 | 342 | 322 | 352 | 374 | 407 | 378 |
| EPS in Rs | 0.77 | 1.05 | 1.17 | 1.10 | 1.12 | 1.24 | 1.31 | 1.31 | 1.23 | 1.34 | 1.43 | 1.56 | 1.44 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 7,305 | 6,587 | 7,233 | 8,613 | 9,413 | 9,846 | 10,112 |
| Interest | 4,899 | 4,347 | 4,221 | 5,281 | 5,928 | 6,409 | 6,482 |
| Expenses | 3,549 | 3,282 | 2,627 | 3,227 | 3,440 | 3,375 | 3,365 |
| Financing Profit | -1,143 | -1,042 | 385 | 105 | 46 | 63 | 264 |
| Financing Margin % | -16% | -16% | 5% | 1% | 0% | 1% | 3% |
| Other Income | 1,229 | 1,034 | 811 | 1,515 | 1,813 | 2,009 | 1,767 |
| Depreciation | 0 | 84 | 87 | 90 | 102 | 115 | 0 |
| Profit before tax | 87 | -92 | 1,108 | 1,529 | 1,757 | 1,957 | 2,031 |
| Tax % | 29% | -149% | 30% | 30% | 26% | 26% | |
| Net Profit | 62 | 45 | 775 | 1,070 | 1,303 | 1,456 | 1,511 |
| EPS in Rs | 0.24 | 0.17 | 2.96 | 4.09 | 4.98 | 5.56 | 5.77 |
| Dividend Payout % | 0% | 0% | 8% | 7% | 8% | 8% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 11.0% | 6.0% | – |
| Profit CAGR | 23.0% | 88.0% | – |
Shareholding Pattern
FIIs17.58%
DIIs11.10%
Public71.31%
FIIs17.91%
DIIs11.92%
Public70.16%
FIIs20.94%
DIIs13.79%
Public65.25%
FIIs24.21%
DIIs12.75%
Public63.03%
FIIs25.39%
DIIs14.24%
Public60.36%
FIIs14.58%
DIIs7.64%
Public77.77%
FIIs15.17%
DIIs4.61%
Public80.20%
FIIs11.96%
DIIs10.42%
Public77.61%
FIIs24.21%
DIIs12.75%
Public63.03%
FIIs25.39%
DIIs14.24%
Public60.36%
SOUTHBANK
Holdings Analysis
Key strengths & risk signals
84
Overall
70
Fundamental
98
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 78.57% public ownership - higher volatility risk.
Strengths (4)
UNDERVALUED! PEG of 0.38 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (46.7) is above 200-day average (43.0) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
EXCELLENT YEAR! Stock gained 50.7% in the last year.
Fundamental & Technical Analysis
84Overall
70Fundamental
98Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 9.5% (MODERATE, 8/15). Profit CAGR: 23.4% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 29.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.38 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.91% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.26 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 78.57% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (46.7) is above 200-day average (43.0) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (51.5) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 50.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 19,484,421 vs down days: 10,147,048. Ratio: 1.92x
RSI
3/5
BULLISH! RSI at 66.8 - positive momentum.
52W Range
5/5
STRONG! Trading at 97.1% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 11.0% (1 week), 14.4% (1 month), 15.4% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
SOUTHBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-22 | Concall PDF | |
| Q2FY262026-01-20 | Concall PDF | |
| Q1FY262025-10-22 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SOUTHBANK | ₹51.50 | 8.9 | 29.4% | 9.5% | 23.4% | +50.7% | 84 | BREAKOUT | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹854.90 | 9.4 | 41.2% | 7.7% | 9.1% | +101.5% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
| KTKBANK | ₹335.90 | 8.9 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| UJJIVANSFB | ₹64.50 | 14.1 | 19.6% | 14.3% | -14.3% | +33.0% | 67 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| J&KBANK | ₹137.40 | 6.6 | 34.2% | 8.2% | 26.0% | +29.8% | 74 | APPROACHING SUPPORT | -11.5% | -46.3% | -0.1% | -2.0% |
| PSB | ₹21.20 | 10.9 | 28.5% | 13.2% | 0.2% | -28.6% | 59 | BREAKDOWN | +23.1% | -21.4% | +0.1% | -2.2% |
| EQUITASBNK | ₹68.30 | 15.3 | 10.9% | 12.1% | -43.6% | +21.8% | 57 | BOUNCE FROM SUPPORT | -182.0% | -13.7% | +19.2% | +3.3% |
| DCBBANK | ₹210.80 | 8.6 | 25.3% | 15.9% | 16.3% | +62.2% | 76 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
Data from TradeAlone · Updated daily
SOUTHBANK News
The South Indian Bank Limited (southbank) Q2 FY27: Profit Surges 20%, Loan Book Expands2026-10-15The South Indian Bank Limited (southbank) Records Highest Ever Quarterly Net Profit of Rs. 426.13 Crore in Q2 FY 2026-272026-10-15The South Indian Bank Limited (southbank) Q1 Fy26-27: Net Profit Up 17.39% to Rs. 377.63 Cr2026-07-16The South Indian Bank Limited (SOUTHBANK) breaks below support, moves down 5% intraday2026-07-08South Indian Bank Reports Q4fy26 Profit Growth of 15%2026-05-06South-indian-bank-q1-2026-net-profit-grows-11.69-percent2026-05-06
