Central Bank of India
NSE: CENTRALBKCentral Bank of India: A 30-second snapshot
Central Bank of India (CENTRALBK) trades at 34.15, a PE of 6.83 — the lowest among its 6-peer banking comparison — with a 5-year revenue CAGR of 12.3% and earnings CAGR of 26.1%, though Q4FY26 net profit fell 30% YoY to 724 cr. The stock sits below both its 50-DMA (34.90) and 200-DMA (36.12), down 3.35% over 12 months and 8.2% over the past 3 months, with RSI at 42.06 (neutral) and a 52-week drawdown of 15.18%.
P/E
6.8
Forward P/E
—
ROE
+13.2%
Debt / Equity
—
Profit Margin
+28.5%
Div. Yield
+2.2%
5Y ROE > 15%
0/5
5Y FCF > 0
1/5
Quality
50/100
News
8 headlines · 1 positive · 1 negative
Central Bank of India reports 30% decline in Q4FY26 at ₹724 cr - BusinessLine
BusinessLine
Central Bank of India Q4 profit falls 30% to ₹724 cr, NII rises 18%; declares dividend - CNBC TV18
CNBC TV18
There's A Lot To Like About Central Bank of India's (NSE:CENTRALBK) Upcoming ₹0.60 Dividend - simplywall.st
simplywall.st
India's central bank launches loan-relief norms for natural calamities - Reuters
Reuters
RBI: India's central bank steps up fight against digital fraud - BBC
BBC
Recent context
- ·Q4FY26 results reported 2026-04-30 showed net profit of 724 cr, a 30% YoY decline, alongside an 18% rise in Net Interest Income; management attributed the profit fall to a one-time deferred-tax adjustment rather than core operating deterioration.
- ·The bank declared a 0.60 per share dividend for FY26 alongside Q4 results, a material development for this public-sector lender given its recent return to dividend-paying status.
- ·RBI launched new loan-relief norms for natural calamities (2026-04-29) and stepped up digital fraud countermeasures — sector-level regulatory actions that affect all PSBs including CENTRALBK.
Strengths
- +PE of 6.83 is the lowest in the 6-peer banking comparison (peers range from 14.7 to 68.5), reflecting the widest valuation discount in the set on a trailing earnings basis.
- +5-year earnings CAGR of 26.1% and revenue CAGR of 12.3% indicate the bank has expanded earnings materially faster than revenues over the medium term, consistent with margin and credit-cost normalization in the PSB sector.
- +Quality score of 65 ranks 1st of 6 among the peer set, and ROE of 13.23% is broadly in line with HDFC Bank (13.82%) and Axis Bank (13.15%) on this metric.
- +A 0.60 per share dividend was declared for FY26, implying a dividend yield of approximately 2.16% at current price — providing a measurable income component relative to share price.
Weaknesses
- −FCF was positive in only 1 of the available measurement years (consistency score 28/100); this is the most significant structural concern in the fundamental profile.
- −Q4FY26 net profit fell 30% YoY to 724 cr, interrupting a multi-year earnings recovery trend and introducing uncertainty about whether the 5-year earnings CAGR of 26.1% is durable.
- −ROE of 13.23% has never crossed 15% in the persistence record, and the debt trend is classified as rising — limiting confidence in sustained above-cost-of-equity returns.
- −Price is below both the 50-DMA (34.90) and 200-DMA (36.12), with the nearest resistance cluster at 36.49–36.93 representing a 6.8–8.1% gap from current price; nearest support is at 30.80, approximately 9.8% below.
Open questions
- ?Does the Q4FY26 profit decline reflect a one-time deferred-tax charge as management indicated, or does it point to underlying NPA provisioning pressure that could recur?
- ?How does CENTRALBK credit-cost trajectory and gross NPA ratio compare to other mid-tier PSBs over the past 4 quarters, and is the 5-year earnings CAGR of 26.1% likely to persist as the recovery phase matures?
- ?Given that FCF was positive in only 1 of the measured years, what is the structural relationship between reported profits and actual free-cash-flow generation for this bank, and what drives the divergence?
- ?The PE of 6.83 is 54% below the next-cheapest peer (Axis Bank at 14.7) — what specific factors such as capital adequacy, NPA overhang, and PSB ownership structure account for this persistent valuation gap relative to peers?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CENTRALBK | Central Bank of IndiaYou're viewing | 6.8 | +13.2% | 65 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹34.15
SMA 50
₹34.90
SMA 200
₹36.12
RSI (14)
42.1 (neutral)
From 52w high
-15.2%
1Y return
-3.4%
3M return
-8.2%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highFCF was positive in only 1 of the available measurement years, with a persistence consistency score of 28/100, indicating highly irregular free-cash-flow generation — atypical even for a public-sector bank undergoing recovery.
- mediumQ4FY26 net profit declined 30% YoY to 724 cr as reported on 2026-04-30, interrupting the 5-year earnings CAGR of 26.1% and raising questions about recurring earnings quality vs one-time items.
- mediumROE stands at 13.23% with 0 years above 15% in the full persistence record and a rising debt trend; return quality has not crossed the 15% threshold historically, placing CENTRALBK 4th of 6 among the compared banking peers on ROE.
- mediumPrice (34.15) is below both the 50-DMA (34.90) and 200-DMA (36.12), with a 3-month decline of 8.2% and a 1-year decline of 3.35%; the 52-week drawdown stands at 15.18%.
- lowNo sell-side analyst rating or count is available for CENTRALBK, removing consensus data from this analysis.
- low1-year price-change data is null for all 5 sector peers in the comparison set, preventing a relative price-performance ranking.
Cross-section contradictions
- 5-year earnings CAGR of 26.1% and a declared 0.60 dividend suggest improving profitability over the medium term, yet the stock is down 3.35% over 1 year and 8.2% over 3 months, trading below both its 50-DMA and 200-DMA — implying the market has discounted the earnings trajectory more sharply than the historical trend alone would suggest.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days