Central Bank of India Ltd
Ticker: CENTRALBK
Risky
48/100
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Investing Reference
Price
38.00
Market Cap
34395.32
Debt/Equity
0.0000
ROE %
11.335
PB
0.9304
Promoter %
89.272
Pledge %
0.000
1Y Rev Growth %
11.583
5Y Rev Growth %
7.829
NP Margin %
9.887
NP Margin 5Y Avg %
4.656
Trading Reference
1M Return %
0.989
6M Return %
7.740
1Y Return %
-33.345
% Away 52W High
62.895
% Away 52W Low
16.031
Daily Volume
11704978
Investment Verdict
Buy
Score 84/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 23/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Central Bank of India Ltd is currently trading near a key support level, with recent price action showing signs of accumulation. If it breaks above the resistance level at INR 40, it could see a bullish trend, potentially reaching INR 50. However, if it falls below the support level at INR 30, it may decline towards INR 25.
Upside Probability: 25% | Downside Probability: 16.67%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Central Bank of India Ltd is a leading public sector bank that has been serving the nation since 1911. It caters to a diverse clientele, including individuals, businesses, and government entities, providing a wide range of financial services. The bank plays a crucial role in the Indian economy by promoting financial inclusion and supporting various development initiatives. With a strong network across the country, Central Bank of India is committed to delivering reliable banking solutions that empower customers and foster growth.
- Established in 1911, a trusted name in banking.
- Offers a wide range of financial products and services.
- Focuses on financial inclusion and community development.
- Strong nationwide presence with extensive branch network.
- Committed to customer satisfaction and innovative solutions.
Investment Thesis
Central Bank of India Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. With a solid foundation and focus on innovation, it presents a compelling investment opportunity for retail investors seeking growth in the banking sector.
- Strong backing from the government enhances credibility and stability.
- Significant investments in digital banking are driving customer acquisition and retention.
- Valuation metrics indicate potential for upside compared to industry peers.
- Focus on expanding retail loan portfolio supports long-term growth.
- Resilience in economic fluctuations positions the bank favorably for future performance.
Opportunity vs Risk
Opportunities
- Strong government support
- Growing digital banking sector
- Rising interest rates
- Improved asset quality
- Expansion into rural markets
Risks ⚠️
- High non-performing assets
- Economic slowdown impact
- Regulatory changes
- Intense competition
- Market volatility
Peer Perspective
Central Bank of India Ltd trades at a discount to peers like Bank of Baroda and Punjab National Bank, primarily due to lower margin stability. A sustained improvement in net interest margins could trigger a rerating.
Future Outlook
Central Bank of India Ltd is well-positioned for growth, driven by strategic initiatives and improving asset quality. Successful execution of its plans and effective cost control will be crucial for maximizing shareholder value.
AI FAQs for Retail Users
- Q: What does Central Bank of India do?A: Central Bank of India is a public sector bank offering various financial services and products.
- Q: Is Central Bank of India a good investment?A: Investment suitability depends on individual financial goals and market conditions; consider consulting a financial advisor.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and bank-specific challenges that could affect performance.
- Q: How can I buy shares of Central Bank of India?A: You can buy shares through a brokerage account or online trading platform.
- Q: What is the dividend policy of Central Bank of India?A: The bank has historically paid dividends, but future payments depend on profitability and board decisions.
📊 Stock Investment Checklist (100 Points)
Central Bank of India Ltd • Updated: 2025-09-16 20:08:48
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8BusinessHighThe banking sector is evolving with digital transformation, but the bank's competitive edge is limited.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighP/E and P/B ratios are higher than peers, suggesting overvaluation.
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6BalanceGoodDebt levels are concerning, with a moderate liquidity position.
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7GovernanceHighPromoter holding is stable, but there are concerns regarding transparency.
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5DriversGoodLimited growth catalysts and significant execution risks.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The Central Bank of India Ltd presents a risky investment opportunity due to inconsistent growth, profitability concerns, and high valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 60/100
- Profitability: 55/100
- Governance: 70/100
- Market Confidence: 60/100