ScoreWhy is South Indian Bank Ltd ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 60.99%
2
Strong Long Term Fundamental Strength with a 31.39% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 31.39%
4
The company has declared Positive results for the last 12 consecutive quarters
- PBT LESS OI(Q) At Rs 15.58 cr has Grown at 1011.1 %
- CREDIT DEPOSIT RATIO(HY) Highest at 80.08 %
- INTEREST EARNED(Q) Highest at Rs 2,370.74 cr
5
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 21-Mar-25
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
6
With ROA of 1.1, it has a Very Attractive valuation with a 0.6 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -17.24%, its profits have risen by 11.8%
7
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 1.98% over the previous quarter and collectively hold 18.71% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to South Ind.Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is South Ind.Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
South Ind.Bank
-17.55%
-0.55
31.40%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.65%
Net Profit Growth (5y)
31.39%
Advance to Deposit
74.65%
Capital Adequacy Ratio (Tier 1)
13.62%
Gross NPA (latest)
4.30%
Gross NPA (avg)
5.20%
Coverage Ratio (avg)
60.99%
Cost to Income (avg)
59.29%
Net Interest Margin (avg)
2.92%
Operating Profit to Assets (avg)
3.92%
ROA (avg)
0.48%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Price to Book Value
0.63
PEG Ratio
NA
Dividend Yield
1.28%
ROE (Latest)
12.82%
ROA (Latest)
1.10%
Net NPA to Book Value
10.85
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
PBT LESS OI(Q)
At Rs 15.58 cr has Grown at 1011.1 %
CREDIT DEPOSIT RATIO(HY)
Highest at 80.08 %
INTEREST EARNED(Q)
Highest at Rs 2,370.74 cr
GROSS NPA(Q)
Lowest at 4.30 %
NET NPA(Q)
Lowest at 1.25 %
PAT(Q)
Highest at Rs 341.87 cr.
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 96.63 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for South Ind.Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 15.58 cr has Grown at 1011.1 %
over average PBT of the previous four quarters of Rs -1.71 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 2,370.74 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 4.30 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 1.25 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 80.08 % and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 341.87 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Here's what is not working for South Ind.Bank
Non Operating Income - Quarterly
is 96.63 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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