The South Indian Bank Limited
Valuation (94/100) does the heavy lifting; financial trend (57/100) is the drag.
Buy zoneStocksWizard rates The South Indian Bank Limited a Strong Buy, scoring 80/100 on our blended model. On 8.2x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 4% below its 52-week high of ₹48.49 and 64% above the low of ₹28.46. Financial health scores 77/100, with a Piotroski F-score of 3/9. The average analyst target of ₹47 implies about 1% upside across 6 analysts. It clears 7 of 10 investability checks, with durability 78, valuation 87 and momentum 83 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹74.72. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-3.69% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy80Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.6%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: 9%
- Pass: Earnings growing: 17%
- Pass: Net margin ≥ 10%: 29.4%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter4.9%
- Institutions28.3%
- Public & other66.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (29.4%).
Opportunities
- Earnings growing (17% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Weak Piotroski score (3/9).
About The South Indian Bank Limited
The South Indian Bank Limited offers banking products and services across four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its personal banking offerings include deposit accounts, loans for personal, auto, home, education, and property purposes, and loans against securities.
The South Indian Bank Limited — frequently asked questions
Is The South Indian Bank Limited a buy, hold or sell?
StocksWizard currently rates The South Indian Bank Limited (SOUTHBANK) a Strong Buy, based on a blended score of 80/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is The South Indian Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates The South Indian Bank Limited's fair value at about ₹93.4, versus a current price of ₹46.7 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is The South Indian Bank Limited financially healthy?
The South Indian Bank Limited scores 77/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has The South Indian Bank Limited's share price performed?
The South Indian Bank Limited is up 14% over three months, and last traded at ₹46.7. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.