Case study

CENTRALBK

Central Bank of India

Worth a closer look1y model -33.6%

Each stock's 10,000-path forecast, rendered as light.

0Score

Central Bank of India (CENTRALBK) Stock Analysis & Case Study

Is CENTRALBK a good buy? The data-driven verdict.

Central Bank of India (CENTRALBK) trades at ₹33,on the numbers it worth a closer look, a Downstox Snapshot Score of 55/100.

On the numbers, Central Bank of India (CENTRALBK) worth a closer look, a Downstox Snapshot Score of 55/100, weighing inexpensive at 6.7× earnings, ROE of 11.8%, a 12% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 20272031.

Last updated . Data snapshot for research, not investment advice.

CENTRALBK fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield

Market cap
₹29,906 Cr
Current price
₹33
P/E ratio
6.7×
P/B ratio
0.77×
Book value
₹43
Dividend yield
3.63%
ROCE
5.6%
ROE
11.8%
Piotroski F-Score
4/9

Is CENTRALBK overvalued? CENTRALBK P/E vs its sector

CENTRALBK's P/E of 6.7× sits below the sector peer median of 14.7×, so on earnings it screens cheaper than peers, while its 3.63% dividend yield is above the peer median of 1.67%.

CENTRALBK P/E
6.7×
Peer median P/E
14.7×
CENTRALBK div yield
3.63%
Peer median yield
1.67%

CENTRALBK share price target 2027, 2028, 2029, 2030, 2031, a probability view

Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of CENTRALBK history (-34%/yr drift, 35%/yr volatility).

YearLow (P10)Median target (P50)High (P90)Upside vs today
CENTRALBK 2027₹14₹22₹34-34%
CENTRALBK 2028₹8₹14₹27-56%
CENTRALBK 2029₹4₹10₹21-70%
CENTRALBK 2030₹3₹7₹16-80%
CENTRALBK 2031₹2₹4₹12-87%

Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.

What is the probability CENTRALBK goes up, or doubles?

12%
Higher in 1 year
Modelled chance the price is above today in 12 months
0%
Higher in 5 years
Modelled chance the price is above today in 5 years
0%
Doubles in 5 years
Modelled chance of reaching ₹66 within 5 years

The bull case for CENTRALBK

  • Trades at just 6.7× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection.
  • Low price-to-book of 0.77×, the market is paying little over the company's net assets.
  • Pays a 3.6% dividend yield, so you're partly paid to wait.
  • Upside scenario: the model's optimistic (P90) 3-year path reaches ₹21.

The bear case & risks

  • Return on equity is a soft 11.8%, capital efficiency trails higher-quality peers.
  • The probability model is cautious 12 months out, only a 12% chance of finishing above today's price.
  • Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹4.

CENTRALBK volatility & expected range, how bumpy is the ride?

Over the last 2.0 years CENTRALBK compounded at -34%/year with annualized volatility of 35%. That volatility implies a 1-year 80% range of ₹14₹34, the honest backbone behind any single price target.

CENTRALBK price forecast, the full 60-month probability fan

Spot Price · Today
₹0
Based on 2.0 years of daily NSE data ·0.0% annualised volatility
5-yr median forecast
₹0
P(price ↑ in 5y)
0%
1-Year Forecast
2027
₹0
Median (P50)
33.6%
80% range₹14–₹34
P(price ↑)12%
P(price 2×)0%
3-Year Forecast
2029
₹0
Median (P50)
70.1%
80% range₹4–₹21
P(price ↑)2%
P(price 2×)0%
5-Year Forecast
2031
₹0
Median (P50)
86.5%
80% range₹2–₹12
P(price ↑)0%
P(price 2×)0%

CENTRALBK price probability fan

Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.

Probability Fan
CENTRALBK simulated paths · 60 months · 10,000 trials
P10–P90 (80%)P25–P75 (50%)Median (P50)

Probability of key outcomes

What are the odds CENTRALBK hits common targets within the simulated horizon?

0%
P(↑ 1Y)
Above today's price in 1 year
0%
P(↑ 5Y)
Above today's price in 5 years
0%
P(2×)
Doubles within 5 years
0%
P(↓)
Falls below today in 5 years

Full multi-horizon detail on the CENTRALBK price target & forecast page.

CENTRALBK Piotroski F-Score: 4/9, how financially strong is it?

4/9

The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. CENTRALBK scores 4/9,mixed financial health.

CENTRALBK MTF margin & leverage, Upstox, Zerodha, Groww, Dhan

Margin Trading Facility lets you buy CENTRALBK with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):

BrokerMargin requiredApprox. leverage
UpstoxCHEAPEST31.8%3.1×
ZerodhaCHEAPEST31.8%3.1×
DhanCHEAPEST31.8%3.1×

Compare every broker on the CENTRALBK MTF page.

CENTRALBK vs peers,sector comparison

StockP/EDiv yieldMarket cap
CENTRALBK (this stock)6.7×3.63%₹29,906 Cr
RELIANCE23.1×0.45%₹17.95L Cr
TCS14.7×3.01%₹7.69L Cr
HDFCBANK15.9×1.65%₹12.11L Cr
INFY14.4×4.51%₹4.32L Cr
ICICIBANK17.9×0.81%₹9.70L Cr
SBIN11.5×1.67%₹9.61L Cr

About Central Bank of India: sector, index & market-cap context

Central Bank of India (CENTRALBK) is a mid-cap NSE-listed company, and a constituent of the Nifty 200 index group, with a market capitalisation of ₹29,906 Cr. See more Nifty 200 stocks.

How the CENTRALBK Snapshot Score & forecast are built

The Downstox Snapshot Score is a transparent, rules-based read of Central Bank of India's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.

This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.

CENTRALBK analysis, FAQs

Is Central Bank of India (CENTRALBK) a good buy?

On the numbers, Central Bank of India (CENTRALBK) worth a closer look, a Downstox Snapshot Score of 55/100, weighing inexpensive at 6.7× earnings, ROE of 11.8%, a 12% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.

Is CENTRALBK overvalued or undervalued?

CENTRALBK trades at 6.7× earnings versus a peer median of 14.7×, so it screens cheaper than its sector peers.

What is the CENTRALBK share price target for 2031?

CENTRALBK's probability-weighted 2031 median target is ₹4, with an 80% range of ₹2₹12 (10,000-path Monte-Carlo).

What is the probability CENTRALBK doubles in 5 years?

The modelled probability of CENTRALBK reaching ₹66 (2×) within 5 years is 0%.

What is the bull case for CENTRALBK?

Trades at just 6.7× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection. Low price-to-book of 0.77×, the market is paying little over the company's net assets. Pays a 3.6% dividend yield, so you're partly paid to wait.

What are the risks in CENTRALBK?

Return on equity is a soft 11.8%, capital efficiency trails higher-quality peers. The probability model is cautious 12 months out, only a 12% chance of finishing above today's price.

More on CENTRALBK