Central Bank of India Stock Price Today (NSE: CENTRALBK)
Fundamental Score
Central Bank of India Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Central Bank of India share price today is ₹31.43, down 3.28% on NSE/BSE as of 30 March 2026. Central Bank of India (CENTRALBK) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹34.78K (Cr). The 52-week high for CENTRALBK share price is ₹42.79 and the 52-week low is ₹32.40. At a P/E ratio of 7.69x, CENTRALBK is currently trading below its industry average P/E of 8.20x. The company has a Return on Equity (ROE) of 11.43% and a debt-to-equity ratio of 11.87.
Central Bank of India Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Central Bank of India Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Central Bank of Share Price: A Conservative Value Investor's Perspective
Assessing the stability and potential of public sector banks requires a keen understanding of the unique challenges they face. One persistent headwind is the drag of legacy non-performing assets (NPAs), requiring proactive provisioning. This analysis examines the Central Bank of share price from the viewpoint of a conservative value investor prioritizing capital safety. The current share price of ₹37.0 translates to a PE ratio of 7.69, which appears inexpensive on the surface. However, a deeper dive into profitability and asset quality is crucial for a sound investment decision.
Central Bank of India's Return on Capital Employed (ROCE) stands at 5.48%. This figure is a key indicator of how effectively the bank generates profits from its capital. In the banking sector, a low ROCE like this raises concerns about its ability to create a sustainable economic moat. Unlike companies with stronger profitability, Central Bank of India might find it challenging to reinvest in growth initiatives, innovate effectively, or maintain a competitive edge against private sector counterparts. This relatively weak ROCE, when compared to the sector average, warrants careful consideration of the bank’s long-term competitive position.
When we look at Central Bank of India’s peers, we observe varied performance. For instance, consider
Punjab & Sind Bank. While both are public sector banks, perceptions of management quality often differ, impacting investor confidence and, consequently, valuation multiples. Efficient NPA management and strategic deployment of capital can significantly influence a bank's long-term prospects, something that deserves more scrutiny.As a conservative value investor, I would stress the importance of due diligence with regards to this stock. We would closely observe trends in non-performing assets, net interest margins, and the efficiency of cost management. These factors will impact the bank’s future profitability and valuation. The low ROCE requires a granular understanding of operational efficiencies. This is a brief analysis based on readily available data, part of a more comprehensive 80-parameter fundamental audit verified by Sweta Mishra. No recommendations are made.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Central Bank of India Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CENTRALBK across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (53.62%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (33.34%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (32.11% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (39.11% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Suboptimal ROCE (5.48%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 11.87)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.28x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-6462.16 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (89.27% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 5.74%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
Central Bank of India Financial Statements
Comprehensive financial data for Central Bank of India including income statement, balance sheet and cash flow
About CENTRALBK (Central Bank of India)
Central Bank of India is a venerable institution deeply woven into the fabric of India's financial history. Established in 1911, it stands as one of the nation's oldest and most re...spected public sector banks, bearing witness to the economic evolution of a country striving for progress. With a network spanning the breadth and depth of the nation, Central Bank of India extends its services to a diverse clientele, from bustling metropolitan hubs to the most remote rural outposts, embodying the spirit of financial inclusion and serving as a trusted partner to generations of Indians. It operates with a commitment to fostering economic growth and stability, channeling resources to empower individuals, businesses, and communities across the country. The bank provides a diverse array of financial products designed to cater to the varied needs of its customers. Savings accounts, catering to individual financial goals, and current accounts that facilitate efficient business operations, are complemented by a suite of deposit schemes. Fixed and recurring deposit options provide avenues for secure savings, while specialized offerings for senior citizens reflect a commitment to age-inclusive finance. Beyond deposits, Central Bank of India provides crucial credit facilities. This includes home loans to realize aspirations of home ownership and education loans that empower individuals to pursue higher learning and contribute to the nation's intellectual capital. The bank also demonstrates commitment to supporting the nation's key sectors, with a diverse range of loan products. Vehicle loans fuel mobility and economic activity, while loans for property development and acquisition contribute to the growth of the real estate sector. The bank's focus extends to empowering micro, small, and medium enterprises (MSMEs), the engine of economic growth, with tailored credit solutions that fuel innovation and create employment opportunities. As it looks to the future, Central Bank of India continues to adapt to the changing landscape of finance, embracing technological advancements to enhance its services, while remaining rooted in its core values of integrity, customer service, and national development.
Company Details
Key Leadership
Corporate Events
Latest News
CENTRALBK Share Price: Frequently Asked Questions
What is the current share price of Central Bank of India (CENTRALBK)?
As of 30 Mar 2026, 12:03 pm IST, Central Bank of India share price is ₹31.43. The CENTRALBK stock has a market capitalisation of ₹34.78K (Cr) on NSE/BSE.
Is CENTRALBK share price Overvalued or Undervalued?
CENTRALBK share price is currently trading at a P/E ratio of 7.69x, compared to the industry average of 8.20x. Based on this relative valuation, the Central Bank of India stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of CENTRALBK share price?
The 52-week high of CENTRALBK share price is ₹42.79 and the 52-week low is ₹32.40. These values are updated daily from NSE/BSE price data.
What factors affect the Central Bank of India share price?
Key factors influencing CENTRALBK share price include quarterly earnings growth (Sales Growth: 6.57%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Central Bank of India a good stock for long-term investment?
Central Bank of India shows a 5-year Profit Growth of 39.11% and an ROE of 11.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.87 before investing in CENTRALBK shares.
How does Central Bank of India compare with its industry peers?
Central Bank of India competes with major peers in the Public Sector Bank. Investors should compare CENTRALBK share price P/E of 7.69x and ROE of 11.43% against the industry averages to determine competitive standing.
What is the P/E ratio of CENTRALBK and what does it mean?
CENTRALBK share price has a P/E ratio of 7.69x compared to the industry average of 8.20x. Investors pay ₹8 for every ₹1 of annual earnings.
How is CENTRALBK performing according to Bull Run's analysis?
CENTRALBK has a Bull Run fundamental score of 49.9/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does CENTRALBK belong to?
CENTRALBK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Central Bank of India share price.
What is Return on Equity (ROE) and why is it important for CENTRALBK?
CENTRALBK has an ROE of 11.43%, which shows decent profitability but room for improvement. ROE measures how efficiently Central Bank of India generates profits from shareholders capital.
How is CENTRALBK debt-to-equity ratio and what does it indicate?
CENTRALBK has a debt-to-equity ratio of 11.87, which indicates high leverage that increases financial risk.
What is CENTRALBK dividend yield and is it a good dividend stock?
CENTRALBK offers a dividend yield of 1.04%, meaning you receive ₹1.04 annual dividend for every ₹100 invested in Central Bank of India shares.
How has CENTRALBK share price grown over the past 5 years?
CENTRALBK has achieved 5-year growth rates of: Sales Growth 7.38%, Profit Growth 39.11%, and EPS Growth 32.11%.
What is the promoter holding in CENTRALBK and why does it matter?
Promoters hold 89.27% of CENTRALBK shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Central Bank of India.
What is CENTRALBK market capitalisation category?
CENTRALBK has a market capitalisation of ₹34775 crores, placing it in the Large-cap category.
How volatile is CENTRALBK stock?
CENTRALBK has a beta of N/A. A beta > 1 suggests the Central Bank of India stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is CENTRALBK operating profit margin trend?
CENTRALBK has a 5-year average Operating Profit Margin (OPM) of 53.62%, indicating the company's operational efficiency.
How is CENTRALBK quarterly performance?
Recent quarterly performance shows Central Bank of India YoY Sales Growth of 6.57% and YoY Profit Growth of 33.34%.
What is the institutional holding pattern in CENTRALBK?
CENTRALBK has FII holding of 0.88% and DII holding of 4.86%. Significant institutional holding often suggests professional confidence in the Central Bank of India stock.