Central Bank of India (CENTRALBK) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Central Bank of India stock ₹41.73, price ₹31.23, upside +33.6%, quality 53 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Central Bank of India
CENTRALBK · NSEThe stock costs 25% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range ₹15.86 – ₹71.47 · fair‑value band ₹36.49 – ₹53.22 · the ₹31.23 price screens below the ₹41.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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Company profile
Central Bank of India operates as a commercial bank in India.
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The company offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes, as well as small saving scheme; and loans, including housing, vehicle, property, personal, senior citizens, education, and agricultural, as well as micro small and medium enterprises loans.
It provides credit, debit, and prepaid/gift cards, as well as cash management, mutual funds, depository, mobile and Internet banking, and ATM services.
In addition, the company offers corporate loans, such as project finance, infrastructure funding, financing to infrastructure investment trusts, short term corporate loans, advances, working capital facilities, line of credit, export finance, foreign currency loan, bills purchase/discount/negotiation facilities, non-fund based facilities, and facilities to other industries.
Further, the company sells and distributes life, general, and health insurance products, including unit linked, whole life, children, money back, endowment, pension, health, property, personal, fire, burglary, engineering, motor, package, travel, and group insurance products, as well as protection and retirement solutions.
It operates through a network of branches, ATMs, satellite offices, and an extension counter. Central Bank of India has a strategic co lending partnership with IIFL Home Finance Limited to offer SME LAP loan products under priority sector to MSME borrowers.
Central Bank of India was incorporated in 1911 and is headquartered in Mumbai, India.
Stock analysis
Central Bank of India (CENTRALBK) currently trades at ₹31.23, while our model-based Fair Value estimate is ₹41.73, implying the stock looks roughly 25% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹48.65 per share, and 3 of the 6 models we run sit above the ₹31.23 price.
Bear case: the Dividend Discount group reads lowest at ₹10.70, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹36.49 (bear) to ₹53.22 (bull), the price of ₹31.23 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Central Bank of India reported revenue of ₹426B in FY2026 versus ₹259B in FY2022, a compound +13.3%/yr. Reported net income was ₹45.2B in FY2026, compounding +43.8%/yr from FY2022.
Key figures
Market cap ₹283B (≈ $3.0B) Mid · P/E ratio 6.2 · P/S ratio 1.67 · EPS (TTM) ₹5.04 · Dividend yield 2.5% · Net margin 28.5% · Return on equity 12.0% · Return on assets (EBIT) 0.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).
What moves the price
The share trades about 22% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at 34%, CENTRALBK screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Central Bank of India with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.63 | ¥7.59 | +35% | vs CENTRALBK |
| China Merchants Bank Co 600036 | ¥43.01 | ¥52.73 | +23% | vs CENTRALBK |
| BNP Paribas SA BNP | €95.66 | €107.43 | +12% | vs CENTRALBK |
| Intesa Sanpaolo S.p.A ISP | €6.39 | €4.91 | −23% | vs CENTRALBK |
| UniCredit S.p.A UCG | €83.55 | €58.08 | −30% | vs CENTRALBK |
| Oversea-Chinese Banking Corporation O39 | 28.60 SGD | 18.20 SGD | −36% | vs CENTRALBK |
| Mizuho Financial Group MFG | $9.93 | $5.89 | −41% | vs CENTRALBK |
| DBS Group D05 | 70.37 SGD | 40.39 SGD | −43% | vs CENTRALBK |
| HDFC Bank Limited HDFCBANK | ₹798.15 | ₹406.39 | −49% | vs CENTRALBK |
| ICICI Bank Limited ICICIBANK | ₹1,589 | ₹615.63 | −61% | vs CENTRALBK |
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Frequently asked questions
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Key figures of Central Bank of India
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