South Ind.Bank (SOUTHBANK)
StalwartFairStock Score: 45/100 — MIXED
Score breakdown: P/E: 3/3 · ROCE: 0/2 · Growth: 1/2 · Dividend: 0/1
Key Financials
| Current Price | ₹45.74 |
| Market Cap | ₹11,975.58 Cr |
| P/E Ratio | 7.94 |
| ROCE | 6.5% |
| ROE | 13.6% |
| Dividend Yield | 0.99% |
| Profit Growth | 17.1% |
| Debt/Equity | — |
| Sales Growth | 8.6% |
| Promoter Holding | 0% |
| 52-Week Range | ₹33.38 — ₹56.21 |
| Sector | Banks |
| Book Value | ₹45.05 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
Let me examine South Ind.Bank the way Graham taught me: ascertain if I am buying a decent business at a sensible price, or a poor business at a bargain. At ₹39.15, the market cap is ₹10,771 Cr, P/E is 7.75, and P/B is 1.10 against book value of ₹35.69. That is not an expensive price. The bank earns an ROE of 14.79%, which is acceptable but not a wide-moat return. Its Piotroski F-score of 7/9 gives me some comfort regarding financial position. Latest quarterly revenue of ₹2,518 Cr produced net profit of ₹374 Cr, a net margin of roughly 14.9%, so business is functioning. Growth is moderate—sales up 6.19%, profit up 9.49%—and PEG of 0.99 suggests the price roughly matches the growth rate. This is a slow grower, not an exceptional compounding machine.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer