The South Indian Bank Limited (SOUTHBANK) Fair Value & Analysis
Financial Services · IN · Market cap ₹119B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +5.7% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹28.46 – ₹48.49 · fair‑value band ₹54.21 – ₹90.35 · the ₹46.10 price screens below the ₹72.28 fair value. As of Jul 3, 2026.
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The South Indian Bank Limited (SOUTHBANK) currently trades at ₹46.10, while our model-based Fair Value estimate is ₹72.28 — implying the stock looks roughly 56.8% undervalued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, The South Indian Bank Limited generated revenue of ₹50.3B at a net margin of 29.0%. Revenue grew 11.2% year over year. It earns a return on equity of 13.5%. The balance sheet holds a net cash position of ₹62.1B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
The South Indian Bank Limited provides various banking products and services in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company's 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; loans against securities; one time settlement scheme for micro and small enterprises sector; wealth and mutual funds. It also offers insurance products, such as life, health, and various credit risk insurance, as well as general insurance products comprising fire, liability, marine, motor, personal accident, and travel insurance products. In addition, the company 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 …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
The South Indian Bank Limited reported revenue of ₹119B in FY2026 versus ₹76.3B in FY2022, a compound +11.7%/yr. Reported net income was ₹14.6B in FY2026, compounding +138.7%/yr from FY2022.
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6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
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| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.