CSB Bank Limited
CSB Bank Limited Fundamental Analysis
CSB Bank Limited (CSBBANK.BO) shows strong financial fundamentals with a PE ratio of 10.89, profit margin of 11.23%, and ROE of 13.95%. The company generates $55.4B in annual revenue with strong year-over-year growth of 30.11%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CSBBANK.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakCSBBANK.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateCSBBANK.BO shows balanced valuation metrics.
Growth Score
ModerateCSBBANK.BO shows steady but slowing expansion.
Financial Health Score
ModerateCSBBANK.BO shows balanced financial health with some risks.
Profitability Score
WeakCSBBANK.BO struggles to sustain strong margins.
Key Financial Metrics
Is CSBBANK.BO Expensive or Cheap?
P/E Ratio
CSBBANK.BO trades at 10.89 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CSBBANK.BO's PEG of 65.00 indicates potential overvaluation.
Price to Book
The market values CSB Bank Limited at 1.44 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.02 times EBITDA. This is generally considered low.
How Well Does CSBBANK.BO Make Money?
Net Profit Margin
For every $100 in sales, CSB Bank Limited keeps $11.23 as profit after all expenses.
Operating Margin
Core operations generate 15.12 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.95 in profit for every $100 of shareholder equity.
ROA
CSB Bank Limited generates $1.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CSB Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
CSB Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
CSBBANK.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.89
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
65.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.44
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.92
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How CSBBANK.BO Stacks Against Its Sector Peers
| Metric | CSBBANK.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.89 | 18.79 | Better (Cheaper) |
| ROE | 13.95% | 849.00% | Weak |
| Net Margin | 11.23% | 2879.00% | Weak |
| Debt/Equity | 0.92 | 0.93 | Neutral |
| Current Ratio | 0.09 | 675.77 | Weak Liquidity |
| ROA | 1.24% | -20989.00% (disorted) | Weak |
CSBBANK.BO outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CSB Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
129.44%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
3769.89%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-1928.56%
Industry Style: Value, Dividend, Cyclical
Declining