Flash Finance

The South Indian Bank LimitedSOUTHBANKBank / NBFC

Banks - Private Sector Latest results: Sep 2026 15 quarters of data
Consolidated Standalone
₹51.45
MCap ₹13,477 Cr · P/E 8.5
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹2,796 Cr
Interest Earned · Sep 2026
+16.1% YoY
₹733 Cr
Operating Profit · Sep 2026
₹426 Cr
Net Profit · Sep 2026
+21.1% YoY
₹1.63
EPS · Sep 2026
+21.6% YoY
1.24%
Gross NPA % · Sep 2026
0.09%
Net NPA % · Sep 2026

📝 The South Indian Bank Limited — results explained

Quarter ended September 2026 (Q2 FY27)

The South Indian Bank Limited reported total income of ₹3,264 crore for the quarter ended September 2026 (Q2 FY27), up 11.7% from ₹2,923 crore in the same quarter last year, and up 8.5% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹2,796 crore and other income ₹468 crore. Net interest income (interest earned minus interest expended of ₹1,680 crore) worked out to ₹1,116 crore.

Net profit rose 21.1% year-on-year to ₹426 crore, from ₹352 crore. Earnings per share (EPS) came in at ₹1.63.

On asset quality, gross NPA stood at 1.24% and net NPA at 0.09% (gross NPA was 2.93% a year ago); the capital adequacy ratio was 19.40%.

Full year and trailing twelve months

For the full year FY26, The South Indian Bank Limited posted total income of ₹11,856 crore, a growth of 5.6% over FY25, with a net profit of ₹1,455 crore (up 11.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹12,220 crore with a net profit of ₹1,585 crore.

Valuation snapshot

At the current price of ₹51.45, SOUTHBANK has a market capitalisation of ₹13,477 crore and a trailing P/E of about 8.5.

Within the Banks - Private Sector industry, it is the 2nd-largest of the 14 companies we track by market value.

Shareholding pattern

As of Sep 2026, foreign institutional investors (FIIs) 25.57%, domestic institutional investors (DIIs) 16.78%, public shareholders 57.65% of The South Indian Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹13,477 Cr
Current Price ?
₹51.5
P/E ?
8.50below ind
Industry P/E ?
9.00
P/B ?
1.18
P/S ?
1.10
P/FCF ?
3.58
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.37
Earnings Yield ?
11.8%
Dividend Yield ?
0.78%
Profitability & Returns
Total Income (TTM) ?
₹12,220 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹1,585 Cr
EPS (TTM) ?
₹6.05
ROCE ?
N/A
ROE ?
13.9%
ROA ?
1.1%
Gross NPA % ?
1.24%
Net NPA % ?
0.09%
Growth
Total Income — latest qtr ?
₹3,264 Cr
PAT — latest qtr ?
₹426 Cr
YoY qtr sales growth ?
11.7%
YoY qtr profit growth ?
21.1%
Sales growth (3y) ?
11%
Sales growth (5y) ?
6%
Profit growth (3y) ?
23%
Profit growth (5y) ?
88%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
N/A
Change in promoter holding ?
N/A
Pledged percentage ?
N/A
Market
Return 3 months ?
15.4%
Return 6 months ?
32.2%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 1,9732,0252,1292,1842,2752,3142,3552,3712,3732,3622,4072,5182,5592,6282,796 +16.1% +6.4%
Other Income 345361355452346422410409572622516486386380468 -9.3% +23.3%
Total Income 2,3182,3862,4842,6362,6212,7362,7652,7802,9452,9842,9233,0042,9453,0073,264 +11.7% +8.5%
Interest Expended 1,1161,2171,2981,3651,4001,4491,4721,5011,5051,5301,5981,6371,6441,6031,680 +5.1% +4.8%
Operating Profit —————————————592733 — +23.8%
Provisions —————————————84159 — +88.7%
Profit Before Tax 522292409435393394440463459433473504547508574 +21.3% +13.0%
Net Profit 334203275305287294325342342322352374407378426 +21.1% +12.9%
EPS 1.280.771.051.171.101.121.241.311.311.231.341.431.561.441.63 +21.6% +13.2%
Gross NPA % 5.14% 5.13% 4.96% 4.74% 4.50% 4.50% 4.40% 4.30% 3.20% 3.15% 2.93% 2.67% 1.43% 1.38% 1.24% — —
Net NPA % 1.86% 1.85% 1.70% 1.61% 1.46% 1.44% 1.31% 1.25% 0.92% 0.68% 0.56% 0.45% 0.29% 0.26% 0.09% — —
Capital Adequacy Ratio — — — — — — — — — — — — — 19.62% 19.40% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹9,413 Cr ₹9,846 Cr ₹10,501 Cr +4.6%
Other Income ₹1,813 Cr ₹2,010 Cr ₹1,720 Cr +10.9%
Total Income ₹11,226 Cr ₹11,856 Cr ₹12,220 Cr +5.6%
Interest Expended ₹5,927 Cr ₹6,409 Cr ₹6,564 Cr +8.1%
Net Interest Income ₹3,486 Cr ₹3,437 Cr ₹3,937 Cr -1.4%
Operating Profit — — ₹1,325 Cr —
Provisions — — ₹243 Cr —
Profit Before Tax ₹1,756 Cr ₹1,957 Cr ₹2,132 Cr +11.4%
Tax — — ₹277 Cr —
Net Profit ₹1,303 Cr ₹1,455 Cr ₹1,585 Cr +11.7%
EPS ₹4.98 ₹5.56 ₹6.06 +11.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 209262262262 +0.0%
Reserves 6,4658,5659,84611,143 +13.2%
Deposits 91,650101,919107,522123,341 +14.7%
Borrowing 6,9943,9124,3003,927 -8.7%
Other Liabilities 2,3792,7552,7243,084 +13.2%
Total Liabilities 107,697117,412124,655141,756 +13.7%
Fixed Assets 7549661,0181,043 +2.5%
CWIP 124000 —
Investments 24,64123,97721,77727,327 +25.5%
Other Assets 82,17892,469101,860113,386 +11.3%
Total Assets 107,697117,412124,655141,756 +13.7%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -7,2617,075-2,3533,907 +266.0%
Cash from Investing Activity -386-1,9864,434-5,465 -223.3%
Cash from Financing Activity 3,524-2,148157-561 -457.3%
Net Cash Flow -4,1232,9422,238-2,119 -194.7%
Free Cash Flow -7,3706,901-2,5093,768 +250.2%
CFO/OP -153%142%-34%69% +302.9%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 12%14%14%14% +0.0%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
FIIs 17.58%17.91%20.94%24.21%25.57% +5.6%
DIIs 11.10%11.92%13.79%12.75%16.78% +31.6%
Public 71.31%70.16%65.25%63.03%57.65% -8.5%
No. of Shareholders 11,97,82811,81,50511,51,96611,67,27811,24,648 -3.7%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was The South Indian Bank Limited's total income in Q2 FY27?
The South Indian Bank Limited reported total income of ₹3,264 crore for the quarter ended September 2026 (Q2 FY27), up 11.7% from ₹2,923 crore in the same quarter last year, and up 8.5% sequentially over the June 2026 quarter.
What was The South Indian Bank Limited's net profit in Q2 FY27?
Net profit rose 21.1% year-on-year to ₹426 crore, from ₹352 crore. Earnings per share (EPS) came in at ₹1.63.
What is SOUTHBANK's market capitalisation and P/E ratio?
At the current price of ₹51.45, SOUTHBANK has a market capitalisation of ₹13,477 crore and a trailing P/E of about 8.5.
What are The South Indian Bank Limited's NPA levels?
On asset quality, gross NPA stood at 1.24% and net NPA at 0.09% (gross NPA was 2.93% a year ago); the capital adequacy ratio was 19.40%.
Who owns The South Indian Bank Limited? (shareholding pattern)
As of Sep 2026, foreign institutional investors (FIIs) 25.57%, domestic institutional investors (DIIs) 16.78%, public shareholders 57.65% of The South Indian Bank Limited.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI