Central Bank of India (CENTRALBK) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Central Bank of India ₹41.73, price ₹31.18, upside +33.8%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹15.86 – ₹71.47 · fair‑value band ₹37.54 – ₹53.22 · the ₹31.18 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. Dashed = 300-day average. As of Sep 27, 2026.
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Central Bank of India operates as a commercial bank in India.
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Central Bank of India operates as a commercial bank in India. 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 ₹31.18, while our model-based Fair Value estimate is ₹41.73, implying the stock looks roughly 25.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹60.32 per share, and 3 of the 6 models we run sit above the ₹31.18 price.
Bear case: the Dividend Discount group reads lowest at ₹11.81, and 3 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹37.54 (bear) to ₹53.22 (bull), the price of ₹31.18 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 52/100 (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 ₹282B (≈ $2.9B) · P/E ratio 6.2 · P/S ratio 0.66 · EPS (TTM) ₹5.00 · Dividend yield 2.5% · Net margin 10.6% · Return on equity 11.9% · Return on assets (EBIT) 0.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (medium confidence).
What moves the price
The share trades about 22% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 34%, CENTRALBK screens cheaper than that median.
Fair Value models
Bear ₹37.54Fair Value ₹41.73Bull ₹53.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹2.08 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.4%
Start year 2021 (pandemic). Over 10 years: +4.3% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+52.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+50.3%
Dividend (yield on the price)2.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.32.6% vs 1.5%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−3% → 16%
2026 sits 63% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 13.7%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
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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 · 1043 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+33.6% · Top 25%
Profitability
Return on equity (TTM)11.9% · Above median
Return on assets0.9% · Below median
Net margin (TTM)24.4% · Below median
Operating margin (TTM)34.4% · Below median
Growth and dividend
Revenue growth44.8% · Top 25%
Dividend yield (TTM)2.5% · Below median
Balance sheet
Debt / equity0.56× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Central Bank of India Fair Value". https://www.fairvalue-calculator.com/stock/CENTRALBK
Frequently asked questions
Is Central Bank of India (CENTRALBK) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹41.73 versus a price of ₹31.18, about +34% upside (undervalued).
What is the fair value of CENTRALBK?
Our model-based fair value for Central Bank of India is ₹41.73 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹31.18.
What is the quality score of CENTRALBK?
Central Bank of India has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Central Bank of India (CENTRALBK)?
Our model-based price target is the fair value of ₹41.73 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹37.54, optimistic scenario ₹53.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Central Bank of India stock forecast for 2026?
Our models put fair value at ₹41.73, about +34% upside versus a price of ₹31.18 (undervalued). Cautious scenario ₹37.54, optimistic scenario ₹53.22. The calculation is refreshed regularly with new filings.
What is the revenue of Central Bank of India (CENTRALBK)?
Central Bank of India reported trailing-twelve-month revenue of about ₹185B (latest available figure, as of Sep 27, 2026).
Does Central Bank of India pay a dividend?
Central Bank of India currently shows a dividend yield of about 2.53% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Central Bank of India (CENTRALBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Central Bank of India it is ₹41.73 per share (as of Sep 27, 2026), against a price of ₹31.18. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Central Bank of India stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CENTRALBK trades below its calculated fair value: price ₹31.18, fair value ₹41.73, a gap of about +34% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CENTRALBK?
No. The price is what the market pays today (₹31.18); the fair value is what the company's own numbers justify (₹41.73). For Central Bank of India the two are ₹10.55 per share apart. That gap is exactly why we show both numbers side by side.
How much is Central Bank of India worth?
The market values Central Bank of India at about ₹282B (market capitalisation, as of Sep 27, 2026). Per share that is ₹31.18; our models calculate a fair value of ₹41.73 per share.
What do the bullish and bearish scenarios say about CENTRALBK?
Our models span a range for Central Bank of India: cautious scenario ₹37.54, base ₹41.73, optimistic ₹53.22 per share (as of Sep 27, 2026, price ₹31.18). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CENTRALBK?
Central Bank of India trades at a price-to-earnings ratio of 6.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹41.73 is built from several models across several years. Other multiples: P/B 0.7, P/S 1.5, EV/EBITDA 1.7.
How solid is the balance sheet of Central Bank of India (CENTRALBK)?
Balance-sheet figures for Central Bank of India (as of Sep 27, 2026): return on equity 11.9%, debt of 0.56 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is CENTRALBK from its 52-week high?
Central Bank of India trades at ₹31.18, about 22% below its 52-week high of ₹39.79 and 5% above the low of ₹29.62 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of ₹41.73 is for.
Which stocks are comparable to Central Bank of India?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Central Bank of India stock attractive at the current price?
The data as of Sep 27, 2026: price ₹31.18, calculated fair value ₹41.73 (+34%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CENTRALBK calculated?
We run Central Bank of India through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹41.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Central Bank of India currently trades 34 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Central Bank of India (CENTRALBK)?
The closing price on Sep 25, 2026 was ₹31.18. Our model-based fair value is ₹41.73, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Central Bank of India right now?
The price is below even our cautious bear case (₹37.54). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Central Bank of India
How large is the market capitalisation of Central Bank of India (CENTRALBK)?
The market capitalisation of Central Bank of India is ₹282B (≈ $2.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Central Bank of India (CENTRALBK)?
The price-to-sales ratio of Central Bank of India is 0.66 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Central Bank of India (CENTRALBK)?
Earnings per share at Central Bank of India are ₹5.00 (price ÷ EPS = P/E 6.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Central Bank of India (CENTRALBK)?
The dividend yield of Central Bank of India is 2.5% (payout 15.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Central Bank of India (CENTRALBK)?
The net margin of Central Bank of India is 10.6% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Central Bank of India (CENTRALBK)?
The return on equity (ROE) of Central Bank of India is 11.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Central Bank of India (CENTRALBK)?
On an EBIT basis the return on assets of Central Bank of India is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Central Bank of India (CENTRALBK)?
The operating margin of Central Bank of India is 34.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Central Bank of India (CENTRALBK)?
Revenue at Central Bank of India is growing +44.8% versus a year earlier (3y avg +12.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Central Bank of India (CENTRALBK)?
Earnings per share at Central Bank of India are growing −35.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Central Bank of India (CENTRALBK) generate?
The free cash flow of Central Bank of India is ₹193B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Central Bank of India (CENTRALBK) hold?
Central Bank of India holds more cash than debt, ₹59.8B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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