South Indian Bank Ltd
Ticker: SOUTHBANK
Risky
48/100
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Investing Reference
Price
28.99
Market Cap
7585.96
Debt/Equity
0.0000
ROE %
13.764
PB
0.7505
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
10.851
5Y Rev Growth %
NP Margin %
11.607
NP Margin 5Y Avg %
Trading Reference
1M Return %
-0.704
6M Return %
23.100
1Y Return %
16.895
% Away 52W High
11.245
% Away 52W Low
30.175
Daily Volume
6079742
Investment Verdict
Buy
Score 80/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 45/100 · 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.
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Business Overview
South Indian Bank Ltd is a prominent private sector bank in India, offering a wide range of banking and financial services to individuals, businesses, and institutions. With a strong legacy and a commitment to customer satisfaction, the bank plays a crucial role in supporting economic growth and financial inclusion in the region. Its focus on digital banking and innovative solutions makes it a reliable choice for modern banking needs.
- Established in 1929, with a rich heritage
- Offers comprehensive banking services
- Strong focus on customer satisfaction
- Innovative digital banking solutions
- Supports economic growth and financial inclusion
Investment Thesis
South Indian Bank Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustainable growth and profitability, making it a favorable choice for retail investors.
- Strong promoter group enhances credibility and trust in management.
- Robust growth in digital banking services caters to evolving customer needs.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Focus on expanding retail and SME lending bolsters revenue streams.
- Strategic initiatives in technology adoption improve operational efficiency.
Opportunity vs Risk
Opportunities
- Strong retail banking growth
- Expansion into digital services
- Improving asset quality
- Rising interest rates benefit margins
Risks ⚠️
- High non-performing assets
- Regulatory changes impact operations
- Intense competition in banking sector
- Economic slowdown affects loan demand
Peer Perspective
South Indian Bank Ltd trades at a discount to peers like ICICI Bank and HDFC Bank, primarily due to lower ROCE. A focus on margin stability and improved asset quality could trigger a rerating.
Future Outlook
South Indian Bank Ltd is well-positioned for growth, driven by its strategic initiatives and expanding customer base. However, successful execution and effective cost control will be crucial to achieving its long-term objectives.
AI FAQs for Retail Users
- Q: What does South Indian Bank Ltd do?A: South Indian Bank Ltd is a private sector bank offering various banking and financial services.
- Q: Is South Indian Bank Ltd a good investment?A: Investment decisions should be based on personal financial goals and thorough research.
- Q: What are the risks of investing in South Indian Bank Ltd?A: Risks include market volatility, regulatory changes, and bank-specific performance factors.
- Q: How can I buy shares of South Indian Bank Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of South Indian Bank Ltd?A: The bank's dividend policy may vary; check their announcements for the latest updates.
📊 Stock Investment Checklist (100 Points)
South Indian Bank Ltd • Updated: 2025-09-17 16:57:00
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8BusinessHighThe banking sector is evolving with digital transformation, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with recent quarters showing volatility.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting limited upside.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding services.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
South Indian Bank Ltd shows several weaknesses in growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 60/100
- Growth Potential: 65/100
- Profitability: 55/100
- Governance: 70/100
- Market Confidence: 60/100