South Indian Bank Ltd Stock Price Today (NSE: SOUTHBANK)
Fundamental Score
South Indian Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
South Indian Bank Ltd share price today is ₹34.22, down 3.61% on NSE/BSE as of 30 March 2026. South Indian Bank Ltd (SOUTHBANK) is a Mid-cap company in the Private Sector Bank sector with a market capitalisation of ₹10.43K (Cr). The 52-week high for SOUTHBANK share price is ₹46.84 and the 52-week low is ₹22.30. At a P/E ratio of 7.68x, SOUTHBANK is currently trading below its industry average P/E of 15.23x. The company has a Return on Equity (ROE) of 13.78% and a debt-to-equity ratio of 11.50.
South Indian Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
South Indian Bank Ltd 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
South Indian Bank Share Price: A ROCE-Focused Analysis
The South Indian Bank share price currently trades at ₹41.27. Private sector banks are facing increasing pressure to optimize capital allocation amidst rising operational costs and competition from fintech disruptors. This analysis, part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra, focuses on South Indian Bank's Return on Capital Employed (ROCE) and its implications. With a PE ratio of 7.68 and a ROCE of 6.5%, the bank's profitability warrants closer examination.
A ROCE of 6.5% indicates the bank's efficiency in generating profits from its capital employed. While the PE ratio suggests the stock might be undervalued relative to its earnings, the ROCE highlights a potential concern. The return on capital is critical to assessing long-term value creation. A lower ROCE compared to sector benchmarks can signal less effective capital management or challenges in maintaining profitability across business cycles.
How does this ROCE impact South Indian Bank's economic moat? A robust moat typically stems from factors like brand reputation, cost advantages, or high switching costs for customers. A lower ROCE compared to its cost of capital suggests limited competitive advantages. This makes the bank more susceptible to competitive pressures and macroeconomic headwinds, potentially hindering its ability to consistently generate superior returns over time.
Comparing South Indian Bank Ltd with peers like
IndusInd Bank Ltd regarding management quality is essential. While this analysis doesn't assess management quality directly, the difference in ROCE could reflect differences in management's strategic decisions regarding capital allocation and risk management. IndusInd Bank might exhibit a higher ROCE due to more efficient operations, a better credit portfolio, or superior cost control measures. Further investigation into asset quality, operational efficiency, and strategic initiatives is needed to determine the drivers behind the performance differential. It is an observational assessment and no specific buy or sell recommendation is provided.Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
South Indian Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SOUTHBANK across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (59.46%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 7.68 vs Industry: 15.23)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Excellent EPS Growth (60.96% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (65.71% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹7882.99 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 29.83%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Suboptimal ROCE (6.50%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Limited Growth History (3.93% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Elevated Debt Levels (D/E: 11.50)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.30x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
South Indian Bank Ltd Financial Statements
Comprehensive financial data for South Indian Bank Ltd including income statement, balance sheet and cash flow
About SOUTHBANK (South Indian Bank Ltd)
South Indian Bank Ltd is a venerable institution steeped in the traditions of South India, yet possessing a forward-thinking vision for the future of finance. It stands as a promin...ent private sector bank, deeply woven into the economic fabric of the nation, particularly in the southern states. Beyond simply providing financial services, South Indian Bank aims to be a trusted partner for its customers, offering a comprehensive suite of products tailored to their diverse needs. From its humble beginnings, the bank has cultivated a reputation for stability, integrity, and customer-centricity, values that continue to guide its operations and strategic decisions. Its network stretches across the country, bringing accessible banking solutions to both urban centers and rural communities. The Bank operates through distinct but interconnected segments, each carefully designed to cater to specific customer groups. The treasury arm skillfully manages the bank's assets and liabilities, ensuring financial stability and maximizing returns. The corporate and wholesale banking division provides tailored financial solutions to businesses of all sizes, fueling economic growth and development. The retail banking segment, at the heart of South Indian Bank's operations, offers a wide range of products and services to individual customers, from basic savings accounts to complex investment options. These offerings are supplemented by a suite of Other Banking Operations which are designed to serve customers by creating a full service banking experience. South Indian Bank provides a wide array of personal banking services, designed to meet the financial needs of every individual. Customers can choose from a variety of savings and current accounts, allowing them to manage their daily finances with ease. The bank also offers a range of term deposit options, providing secure and attractive investment opportunities. For those seeking financial assistance, South Indian Bank offers a comprehensive selection of loans, including personal, car, home, gold, educational, and property loans. Furthermore, the bank provides loans against securities, providing customers with convenient access to funds using their existing assets. These varied options demonstrate South Indian Bank's commitment to offering a complete range of products, ensuring its customers have the resources and support to achieve their financial aspirations.
Company Details
Key Leadership
Corporate Events
SOUTHBANK Share Price: Frequently Asked Questions
What is the current share price of South Indian Bank Ltd (SOUTHBANK)?
As of 30 Mar 2026, 12:03 pm IST, South Indian Bank Ltd share price is ₹34.22. The SOUTHBANK stock has a market capitalisation of ₹10.43K (Cr) on NSE/BSE.
Is SOUTHBANK share price Overvalued or Undervalued?
SOUTHBANK share price is currently trading at a P/E ratio of 7.68x, compared to the industry average of 15.23x. Based on this relative valuation, the South Indian Bank Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SOUTHBANK share price?
The 52-week high of SOUTHBANK share price is ₹46.84 and the 52-week low is ₹22.30. These values are updated daily from NSE/BSE price data.
What factors affect the South Indian Bank Ltd share price?
Key factors influencing SOUTHBANK share price include quarterly earnings growth (Sales Growth: 2.22%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is South Indian Bank Ltd a good stock for long-term investment?
South Indian Bank Ltd shows a 5-year Profit Growth of 65.71% and an ROE of 13.78%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.50 before investing in SOUTHBANK shares.
How does South Indian Bank Ltd compare with its industry peers?
South Indian Bank Ltd competes with major peers in the Private Sector Bank. Investors should compare SOUTHBANK share price P/E of 7.68x and ROE of 13.78% against the industry averages to determine competitive standing.
What is the P/E ratio of SOUTHBANK and what does it mean?
SOUTHBANK share price has a P/E ratio of 7.68x compared to the industry average of 15.23x. Investors pay ₹8 for every ₹1 of annual earnings.
How is SOUTHBANK performing according to Bull Run's analysis?
SOUTHBANK has a Bull Run fundamental score of 40/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SOUTHBANK belong to?
SOUTHBANK operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting South Indian Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for SOUTHBANK?
SOUTHBANK has an ROE of 13.78%, which shows decent profitability but room for improvement. ROE measures how efficiently South Indian Bank Ltd generates profits from shareholders capital.
How is SOUTHBANK debt-to-equity ratio and what does it indicate?
SOUTHBANK has a debt-to-equity ratio of 11.50, which indicates high leverage that increases financial risk.
What is SOUTHBANK dividend yield and is it a good dividend stock?
SOUTHBANK offers a dividend yield of 1.00%, meaning you receive ₹1.00 annual dividend for every ₹100 invested in South Indian Bank Ltd shares.
How has SOUTHBANK share price grown over the past 5 years?
SOUTHBANK has achieved 5-year growth rates of: Sales Growth 3.93%, Profit Growth 65.71%, and EPS Growth 60.96%.
What is the promoter holding in SOUTHBANK and why does it matter?
Promoters hold 0.00% of SOUTHBANK shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in South Indian Bank Ltd.
What is SOUTHBANK market capitalisation category?
SOUTHBANK has a market capitalisation of ₹10429 crores, placing it in the Mid-cap category.
How volatile is SOUTHBANK stock?
SOUTHBANK has a beta of N/A. A beta > 1 suggests the South Indian Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SOUTHBANK operating profit margin trend?
SOUTHBANK has a 5-year average Operating Profit Margin (OPM) of 59.46%, indicating the company's operational efficiency.
How is SOUTHBANK quarterly performance?
Recent quarterly performance shows South Indian Bank Ltd YoY Sales Growth of 2.22% and YoY Profit Growth of 8.22%.
What is the institutional holding pattern in SOUTHBANK?
SOUTHBANK has FII holding of 17.91% and DII holding of 11.92%. Significant institutional holding often suggests professional confidence in the South Indian Bank Ltd stock.