CSB Bank Limited, originally established in 1920 as The Catholic Syrian Bank, is one of India’s oldest private sector banks with deep roots in Kerala and a growing national presence. Headquartered in Thrissur, the bank has transformed into a modern, technology-driven institution focused on retail banking, SME lending, NRI services, and digital financial solutions. With over 779 branches and a strategic “SBS 2030” roadmap, CSB aims to become a mid-sized, full-service private bank. As of January 2026, it shows stable profitability and strong capital buffers but faces challenges in cost efficiency and dividend policy. This article provides a data-backed outlook on the CSB Bank share price target 2026–2030.
CSB Bank: Company Overview
- Founded: 1920
- Managing Director: Mr. Pralay Mondal
- NSE Symbol: CSBBANK
- Business Segments: Retail Banking (~59%), Wholesale Banking (23%), Treasury (14%), SME Banking (~4%)
- Market Position: Oldest private bank in Kerala; expanding pan-India with focus on niche customer segments
CSB Bank maintains a robust capital adequacy ratio (CAR) of 22.46%—well above RBI’s 11.5% requirement—and has consistently reported profits since FY2022. However, its cost-to-income ratio remains high at 62.82%, limiting margin expansion.
CSB Bank: Key Financial Snapshot
| Metric | Value |
|---|---|
| Current Share Price | ₹515 |
| Market Capitalization | ₹8,934.52 Cr |
| No. of Shares Outstanding | 17.35 Cr |
| 52-Week High / Low | ₹446 / ₹266* |
| P/E Ratio (TTM) | 14.39 |
| P/B Ratio | 1.97 |
| EPS (TTM) | ₹35.80 |
| Book Value (TTM) | ₹260.91 |
| ROE | 15.01% |
| ROCE | 13.25% |
| Dividend Yield | 0.00% |
| Face Value | ₹10 |
| Net Interest Income | ₹1,476.18 Cr |
| Cost-to-Income Ratio | 62.82% |
| Capital Adequacy Ratio (CAR) | 22.46% |
| Profit Growth (YoY) | 4.76% |
| CASA % | 24.19% |
CSB Bank Share Price Target Forecast (2026–2030)
| Year | Target Price Range (₹) |
|---|---|
| 2026 | ₹540 – ₹600 |
| 2027 | ₹570 – ₹650 |
| 2028 | ₹600 – ₹710 |
| 2029 | ₹630 – ₹770 |
| 2030 | ₹660 – ₹830 |
CSB Bank Share Price Target 2026
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2026 | ₹540 | ₹600 |
CSB Bank reported modest 4.76% YoY profit growth in FY2025, supported by stable asset quality (Gross NPA: ~1.8%) and strong capital buffers. Trading at a P/E of 14.39 and P/B of 1.97—with ROE of 15%—the stock appears fairly valued. A 2026 target range of ₹540–₹600 assumes continued credit discipline and no major slippages.
CSB Bank Share Price Target 2027
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2027 | ₹570 | ₹650 |
If the bank gradually improves its cost-to-income ratio (currently 62.82%) and expands its retail loan book, earnings could grow at 10–12% annually. Assuming EPS reaches ₹39–₹42 by FY27 and P/E stabilizes at 14.5–15x, the 2027 target range of ₹570–₹650 is justified.
CSB Bank Share Price Target 2028
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2028 | ₹600 | ₹710 |
By 2028, benefits from digital scaling, branch rationalization, and cross-selling should reflect in margins. With ROCE of 13.25%—close to ROE—the bank efficiently deploys capital. A P/E of 15–15.5x on projected EPS of ₹41–₹45 supports the ₹600–₹710 band.
CSB Bank Share Price Target 2029
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2029 | ₹630 | ₹770 |
Long-term tailwinds include rising credit penetration in South India and CSB’s strong regional franchise. If competition doesn’t erode margins, EPS could reach ₹43–₹48 by FY29. At a P/E of 15–16x, the 2029 target is ₹630–₹770.
CSB Bank Share Price Target 2030
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2030 | ₹660 | ₹830 |
Over a five-year horizon, CSB Bank’s appeal lies in capital strength and niche focus—not explosive growth. If ROE holds above 14% and dividends resume, investor confidence could improve. A terminal P/E of 15.5–16.5x on FY30 EPS (~₹45–₹50) justifies the ₹660–₹830 range.
CSB Bank: Shareholding Pattern
| Category | Holding (%) |
|---|---|
| Promoters | 40.00% |
| Domestic Institutional Investors (DII) | 16.05% |
| Foreign Institutional Investors (FII) | 14.23% |
| Public & Others | 29.73% |
Promoter holding has stabilized after earlier reductions, signaling commitment. Institutional ownership (30.28%) ensures liquidity and analyst coverage.
CSB Bank: Strengths vs Risks
Strengths:
- Exceptional capital buffer (CAR: 22.46%)—highest among mid-sized private banks
- Consistent ROE (~15%) and clean balance sheet (Net NPA: <0.5%)
- Strong legacy in Kerala with growing national footprint
- No dividend payout pressure allows reinvestment in growth
Risks:
- High cost-to-income ratio (62.82%) limits profitability
- Low CASA ratio (24.19%) increases funding costs
- No dividend history (0% yield for 5+ years) reduces income appeal
- Contingent liabilities of ₹7,445 Cr require monitoring
Investment Suitability
| Factor | Assessment |
|---|---|
| Risk Profile | Moderate |
| Ideal Time Horizon | 5+ years |
| Volatility | Higher than large-cap private banks |
| Dividend/Income Potential | None (0% yield) |
| Best For | Growth-oriented investors seeking regional private banking exposure |
FAQs
Is CSB Bank share good to buy?
Yes—for long-term portfolios focused on India’s regional banking story. At a P/E of 14.39 and ROE of 15%, it offers reasonable value. However, avoid if you seek dividends or low-cost efficiency.
What is the full form of CSB Bank share?
CSB stands for Catholic Syrian Bank. The bank rebranded to CSB Bank Limited in 2019 to reflect its modern identity while retaining its heritage.
Is CSB Bank safe to invest in?
Operationally, yes—it meets all RBI norms and has strong capital buffers. As an investment, it carries moderate risk due to high operating costs and a lack of dividends. Suitable only for investors comfortable with small-cap volatility.
Final Verdict
CSB Bank has successfully transitioned from a regional legacy institution to a growth-focused private bank. While it lacks the scale of HDFC or ICICI, its capital strength, clean asset quality, and strategic clarity make it a credible long-term holding.
Our CSB Bank share price target 2026–2030 (₹540 to ₹830) reflects steady earnings growth, moderate multiple expansion, and sustained investor confidence. It won’t deliver explosive gains, but offers reliable compounding for those betting on India’s tier-2 banking evolution.
Disclaimer: Price targets are estimates based on publicly available data and sector analysis. They are not investment advice. Consult a SEBI-registered advisor before making decisions.
Sources
- Screener.in – CSB Bank Consolidated Page (FY2025 + TTM)
- Finology Ticker – CSBBANK Financials & Analysis
- Groww.in – CSB Bank Stock Profile
- CSB Bank Investor Presentation (Q1 FY26, Aug 2025)
- RBI Guidelines on Capital Adequacy and Asset Classification
