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The South Indian Bank Limited (SOUTHBANK) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of The South Indian Bank Limited ₹41.58, price ₹47.44, upside -12.4%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? No
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Financial Services · IN · ISIN INE683A01023

TS Thin data Oct 1, 2026

The South Indian Bank Limited

SOUTHBANK · NSE

Weak valuationQuality is weak on top of the rich price.

!Fair value ₹41.58 · Overvalued (−12.4%)

!Quality 48/100

✓Healthy Growth (revenue 5y +7.4 %/yr)

✓Highly profitable · 29.4% net margin (TTM)

✓Low debt · generates free cash flow

✓0.9% dividend yield · Well covered

✓Ranks above peers (9/14)

✓Wide moat 71/100

!Evidence only low, so the estimate is less certain

!Weak on valuation: 17 out of 100

!Weak on dividend: 19 out of 100

26 models, one by oneBear ₹37.39 to bull ₹53.31 Growth analysisrevenue history, year by year Quality 48/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.

How to read this chart

60‑month range ₹7.12 – ₹49.95 · fair‑value band ₹37.39 – ₹53.31 · the ₹47.44 price screens above the ₹41.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.

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Company profile

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 banking, FX-retail, KYC updation, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and internet banking, demat, pension system, online trading, NPS lite, SIB collect, SIB travel card, PAN service agency, cash management, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. Its NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits; e-services; remittances and payments; money transfers; and value-added services, as well as portfolio investment schemes. The company's business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; and merchant acquiring services. It operates through a network of branches and ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, Indi

Stock analysis

The South Indian Bank Limited (SOUTHBANK) currently trades at ₹47.44, while our model-based Fair Value estimate is ₹41.58, 12.4% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of ₹61.01 per share, and 2 of the 6 models we run sit above the ₹47.44 price.

Bear case: the Dividend Discount group reads lowest at ₹5.11, and 4 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹37.39 (bear) to ₹53.31 (bull), the price of ₹47.44 sits inside 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 48/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

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. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹124B (≈ $1.3B) · P/E ratio 8.2 · P/S ratio 1.01 · EPS (TTM) ₹5.76 · Dividend yield 0.9% · Net margin 12.3% · Return on equity 13.6% · Return on assets (EBIT) 1.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 62% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −12%, SOUTHBANK screens cheaper than that median.

Fair Value models

Bear ₹37.39 Fair Value ₹41.58 Bull ₹53.31

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 (₹2.69 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.

Highest evidence

Residual Income ₹38.87 ₹44.23 ₹60.90 76

Gordon GGM ₹3.10 ₹5.59 ₹7.70 68

DDM Multi-Stage ₹3.10 ₹5.11 ₹5.98 67

All 6 models by family

Dividend Discount

Gordon GGM ₹3.10 ₹5.59 ₹7.70 68

DDM Multi-Stage ₹3.10 ₹5.11 ₹5.98 67

Multiples

P/E Multiple ₹54.18 ₹72.24 ₹90.30 63

P/B Multiple ₹45.76 ₹61.01 ₹76.27 55

Asset-Based

NCAV (Graham) ₹21.79 ₹29.20 ₹43.58 54

Economic Profit

Residual Income ₹38.87 ₹44.23 ₹60.90 76

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Quality Score breakdown

Overall quality 48/100

Of which business quality 45 · Market factors (momentum, volatility) 78

Profitability 28

Margins and returns on capital today

Quality Growth 39

Are margins and returns improving?

Cashflow 80

Earnings quality: real cash, not paper profit

Fin. Strength 24

Balance sheet, leverage, solvency risk

Investment 51

Disciplined investing over empire-building

Low Volatility 70

Calm price path (market factor)

Momentum 74

Price trend over the last 3–12 months (market factor)

52W Momentum 94

Distance to the 52-week high (market factor)

Net Issuance 55

Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

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. 85/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+5.6%

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.

+13.2%

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.

+7.4%

Start year 2021 (pandemic). Over 10 years: +7.0% a year

Revenue growth 21 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.

+13.6%

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What shareholders gained per year (last 5 years), in INR ⓘ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. 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.

+78.4%

Earnings growth per share plus dividend.

Earnings per share, growth per year+77.5%

Dividend (yield on the price)0.9%

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.77.5% vs 9.6%, 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.1% → 17%

Start year 2021 (pandemic)

Growth Forecast

Little optimism in the price

The price assumes less growth than the company has delivered so far and less than analysts expect.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

−13.7%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.

−4.8%

Yearly sales growth analysts expect, extended to five years.

After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −17.1% a year for the price and −8.6% for the forecasts.

Forecast 2027 (sales)−48.5%

Forecast 2028 (sales)+13.1%

Projected 2029 (sales)+11.7%

Projected 2030 (sales)+10.4%

Projected 2031 (sales)+9.0%

SOUTHBANK screens overvalued: fair value 12% below the price. Compare with DBS Group →

Compare The South Indian Bank Limited with another stock

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 · 1056 stocks

Beats the industry median on 9/14 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 49 · Below median

Fair Value upside −12.4% · Above median

Profitability

Return on equity (TTM) 13.6% · Top 25%

Return on assets 1.1% · Above median

Net margin (TTM) 29.4% · Above median

Operating margin (TTM) 38.5% · Below median

Growth and dividend

Revenue growth 8.6% · Below median

Dividend yield (TTM) 0.9% · Bottom 25%

Balance sheet

Debt / equity 0.38× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 8.2× · Cheapest 25%

P/B 1.09× · Cheaper than median

P/S (TTM) 2.42× · Cheapest 25%

P/FCF 5.7× · Cheapest 25%

EV/EBITDA 3.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)17 · sector 12

FUTURE (revenue growth)43 · sector 48

PAST (return on equity)54 · sector 41

HEALTH (low debt)81 · sector 84

DIVIDEND (yield)19 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value
DBS Group D05	78.00 SGD	40.39 SGD	−48%
China Merchants Bank Co 600036	¥40.69	¥52.73	+30%
UniCredit S.p.A UCG	€79.53	€77.12	−3%
Mizuho Financial Group MFG	$11.05	$6.82	−38%
Intesa Sanpaolo S.p.A ISP	€6.38	€4.06	−36%
BNP Paribas SA BNP	€91.54	€105.99	+16%
HDFC Bank Limited HDFCBANK	₹721.20	₹406.44	−44%
Oversea-Chinese Banking Corporation O39	32.01 SGD	19.78 SGD	−38%
CaixaBank, S.A CABK	€12.03	€8.46	−30%
ICICI Bank Limited ICICIBANK	₹1,311	₹615.71	−53%

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The South Indian Bank Limited · Fair Value
₹41.58 −12%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/SOUTHBANK" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">The South Indian Bank Limited · Fair Value</span><br><b style="font-size:20px">₹41.58</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−12%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "The South Indian Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/SOUTHBANK

Frequently asked questions

Is The South Indian Bank Limited (SOUTHBANK) overvalued or undervalued?

As of Oct 1, 2026, our model estimates a fair value of ₹41.58 versus a price of ₹47.44, about −12% upside (overvalued).

What is the fair value of SOUTHBANK?

Our model-based fair value for The South Indian Bank Limited is ₹41.58 (as of Oct 1, 2026), built from audited fundamentals. The current price: ₹47.44.

What is the quality score of SOUTHBANK?

The South Indian Bank Limited has a Quality Score of 48/100. 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 The South Indian Bank Limited (SOUTHBANK)?

Our model-based price target is the fair value of ₹41.58 (as of Oct 1, 2026) from 6 valuation models. Cautious scenario ₹37.39, optimistic scenario ₹53.31. It is a calculation from audited fundamentals, not an analyst target.

What is the The South Indian Bank Limited stock forecast for 2026?

Our models put fair value at ₹41.58, about −12% upside versus a price of ₹47.44 (overvalued). Cautious scenario ₹37.39, optimistic scenario ₹53.31. The calculation is refreshed regularly with new filings.

What is the revenue of The South Indian Bank Limited (SOUTHBANK)?

The South Indian Bank Limited reported trailing-twelve-month revenue of about ₹51.3B (latest available figure, as of Oct 1, 2026).

Does The South Indian Bank Limited pay a dividend?

The South Indian Bank Limited currently shows a dividend yield of about 0.95% relative to its recent price (as of Oct 1, 2026).

What growth is priced into The South Indian Bank Limited (SOUTHBANK)?

For today's price to be fair in a discounted-cash-flow model, The South Indian Bank Limited would have to grow free cash flow by -13.7 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.4 % per year. As of Oct 1, 2026.

What discount rate (WACC) does the fair value of SOUTHBANK use?

Our models discount The South Indian Bank Limited at 12.4 %: a base by market capitalisation (small), damped by beta 0.16, country premium for India. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For The South Indian Bank Limited that is -13.7 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.

How much growth has The South Indian Bank Limited (SOUTHBANK) delivered so far?

Over the past 5 years revenue at The South Indian Bank Limited grew +7.4 % a year. The price currently implies -13.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of The South Indian Bank Limited (SOUTHBANK) growing?

The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into The South Indian Bank Limited (-13.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of The South Indian Bank Limited (SOUTHBANK)?

The free-cash-flow yield on the price is 17.46 %: that much free cash flow The South Indian Bank Limited produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of The South Indian Bank Limited (SOUTHBANK)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The South Indian Bank Limited it is ₹41.58 per share (as of Oct 1, 2026), against a price of ₹47.44. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is The South Indian Bank Limited stock overvalued or undervalued in 2026?

As of Oct 1, 2026, SOUTHBANK trades above its calculated fair value: price ₹47.44, fair value ₹41.58, a gap of about −12% (overvalued). 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 SOUTHBANK?

No. The price is what the market pays today (₹47.44); the fair value is what the company's own numbers justify (₹41.58). For The South Indian Bank Limited the two are ₹5.86 per share apart. That gap is exactly why we show both numbers side by side.

How much is The South Indian Bank Limited worth?

The market values The South Indian Bank Limited at about ₹124B (market capitalisation, as of Oct 1, 2026). Per share that is ₹47.44; our models calculate a fair value of ₹41.58 per share.

What do the bullish and bearish scenarios say about SOUTHBANK?

Our models span a range for The South Indian Bank Limited: cautious scenario ₹37.39, base ₹41.58, optimistic ₹53.31 per share (as of Oct 1, 2026, price ₹47.44). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of SOUTHBANK?

The South Indian Bank Limited trades at a price-to-earnings ratio of 8.2 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹41.58 is built from several models across several years. Other multiples: P/B 1.1, P/S 2.4, EV/EBITDA 3.2.

How solid is the balance sheet of The South Indian Bank Limited (SOUTHBANK)?

Balance-sheet figures for The South Indian Bank Limited (as of Oct 1, 2026): return on equity 13.6%, debt of 0.38 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.

How far is SOUTHBANK from its 52-week high?

The South Indian Bank Limited trades at ₹47.44, about 5% below its 52-week high of ₹49.95 and 62% above the low of ₹29.37 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹41.58 is for.

Which stocks are comparable to The South Indian Bank Limited?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 The South Indian Bank Limited stock attractive at the current price?

The data as of Oct 1, 2026: price ₹47.44, calculated fair value ₹41.58 (−12%), Quality Score 48/100, 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 SOUTHBANK calculated?

We run The South Indian Bank Limited 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 ₹41.58, 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 14.5 % above its aggregate fair value. The South Indian Bank Limited itself currently trades above fair value. 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 The South Indian Bank Limited (SOUTHBANK)?

The closing price on Oct 1, 2026 was ₹47.44. Our model-based fair value is ₹41.58, about −12% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with The South Indian Bank Limited right now?

Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of The South Indian Bank Limited (SOUTHBANK) come from?

Earnings per share at The South Indian Bank Limited grew +9.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.2 %, EBIT margin +7.0 %, tax rate +1.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of The South Indian Bank Limited

How large is the market capitalisation of The South Indian Bank Limited (SOUTHBANK)?

The market capitalisation of The South Indian Bank Limited is ₹124B (≈ $1.3B). 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 The South Indian Bank Limited (SOUTHBANK)?

The price-to-sales ratio of The South Indian Bank Limited is 1.01 (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 The South Indian Bank Limited (SOUTHBANK)?

Earnings per share at The South Indian Bank Limited are ₹5.76 (price ÷ EPS = P/E 8.2). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of The South Indian Bank Limited (SOUTHBANK)?

The dividend yield of The South Indian Bank Limited is 0.9% (payout 7.8%). 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 The South Indian Bank Limited (SOUTHBANK)?

The net margin of The South Indian Bank Limited is 12.3% (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 The South Indian Bank Limited (SOUTHBANK)?

The return on equity (ROE) of The South Indian Bank Limited is 13.6% (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 The South Indian Bank Limited (SOUTHBANK)?

On an EBIT basis the return on assets of The South Indian Bank Limited is 1.0% (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 The South Indian Bank Limited (SOUTHBANK)?

The operating margin of The South Indian Bank Limited is 38.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at The South Indian Bank Limited (SOUTHBANK)?

Revenue at The South Indian Bank Limited is growing +8.6% versus a year earlier (3y avg +13.2%). 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 The South Indian Bank Limited (SOUTHBANK)?

Earnings per share at The South Indian Bank Limited are growing +17.1% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net cash does The South Indian Bank Limited (SOUTHBANK) hold?

The South Indian Bank Limited holds more cash than debt, ₹62.1B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.

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