ScoreWhy is South Indian Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 1.43%
2
Strong Long Term Fundamental Strength with a 88.03% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 88.03%
4
Positive results in Mar 26
- GROSS NPA(Q) Lowest at 1.43%
- CREDIT DEPOSIT RATIO(HY) Highest at 80.47%
- NET NPA(Q) Lowest at 0.29%
5
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 20-May-26 and has generated -1.18% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band and KST
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to South Ind.Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is South Ind.Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
South Ind.Bank
54.73%
0.98
42.92%
Sensex
-3.05%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.63%
Net Profit Growth (5y)
176.71%
Advance to Deposit
76.59%
Capital Adequacy Ratio (Tier 1)
16.68%
Gross NPA (latest)
1.38%
Gross NPA (avg)
4.01%
Coverage Ratio (avg)
69.42%
Cost to Income (avg)
60.15%
Net Interest Margin (avg)
2.94%
Operating Profit to Assets (avg)
4.00%
ROA (avg)
0.80%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
1.02
PEG Ratio
0.59
Dividend Yield
0.87%
ROE (Latest)
12.80%
ROA (Latest)
1.05%
Net NPA to Book Value
2.27
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
PBT LESS OI(Q)
At Rs 127.97 cr has Grown at 1057.7% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 1.38%
CREDIT DEPOSIT RATIO(HY)
Highest at 82.12%
INTEREST EARNED(Q)
Highest at Rs 2,627.81 cr
NET NPA(Q)
Lowest at 0.26%
NII(Q)
Highest at Rs 1,024.72 cr
PBDIT(Q)
Highest at Rs 212.31 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 8.08%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 74.78 % of Profit Before Tax (PBT
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Here's what is working for South Ind.Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 127.97 cr has Grown at 1057.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -13.36 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.38% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 2,627.81 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.26% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,024.72 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 82.12% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 212.31 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 8.08%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Here's what is not working for South Ind.Bank
Non Operating Income - Quarterly
is 74.78 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
