South Indian Bank Share Price Target From 2025 to 2030

South Indian Bank is a private sector bank in India and engages in retail and corporate banking. Thrissur, Kerala, is its primary base and has satisfactory market coverage in South India with increasing countrywide. It provides various financial products like loans, deposits, credit cards, and investment services.

Leadership:

• The bank is managed by a seasoned leadership board, headed by the CEO and Managing Director, that oversees its strategic growth. South Indian Bank has strived to grow digitally and improve asset quality to consolidate its market position.

Market Position:

• Market Capitalization: ₹6,253 crore
• Competitors: HDFC Bank, ICICI Bank, Federal Bank, Karnataka Bank

2. Financial Health: How Strong Is It?

Key Financial Indicators:

• Revenue Growth: South Indian Bank has posted good growth in revenue for the past five years.
• Debt to Equity Ratio: The bank’s debt equity ratio has been stable, and hence the bank is financially conservative.
• Earnings Per Share (EPS): 4.77, a measure of profitability.
• Return on Equity (ROE): 12.82%, a measure of optimal use of shareholders’ money.
• Dividend Yield: 1.26%, which is very rewarding for income seekers.

Analysis of Significant Reports:

• Balance Sheet: Asset quality improved and low NPAs.
• Income Statement: Revenue growth on a regular basis with controlled cost.
• Cash Flow Statement: Favorable cash flow position of the bank to support growth and digital banking initiatives.

3. Stock Performance: How Does It Behave?

Current Market Facts:

• Open Price: ₹23.90
• High: ₹24.33
• Low: ₹23.75
• 52-Week High: ₹34.27
• 52-Week Low: ₹22.27
• P/E Ratio: 5.01 (lower than industry average of 12.12, indicating undervaluation)
• P/B Ratio: 0.64 (indicating the stock is quoting lower than book value)
• Volatility: Steady price movements with firm support and resistance.

Technical Indicators:

• Momentum Score: 36.1 (Neutral trend)
• MACD: Bearish, as it is below signal and center line.
• ADX: 15.8, indicating weak trend.
• RSI: 39.1 (At near oversold, room for rebound)
• ROC (Rate of Change): -7.3, indicating down momentum.

4. South Indian Bank Share Price Target Projections (2025-2030)

YEAR	SHARE PRICE TARGET (₹)
2025	₹35
2026	₹47
2027	₹60
2028	₹75
2029	₹90
2030	₹105

5. Growth Potential: What’s Next?

Expansion Plans:

• South Indian Bank is focusing on fintech alliances and digital banking.
• Semi-urban and rural growth to reach new customers.
• Corporate lending and SME banking segments consolidated.

Institutional Interest:

• Market-to-Market Holdings: Reduced marginally from 11.47% to 11.46%.
• Mutual Fund Holdings: Increased to 3.79% from 2.28%.
• Institutional Investors: From 16.72%, it became 18.71%.

6. Risk Factors: What Can Go Wrong?

Principal Risks:

• Market Risk: Share price can be impacted due to volatility of the stock market.
• Business Risk: Increasing competition from big banks.
• Financial Risk: Any increase in NPAs will affect profitability.
• Regulatory Risk: Government banking regulation.

7. FAQs For South Indian Bank Share Price

1. Is South Indian Bank a good long-term investment?

Yes, low valuation, sound financials, and growth, it can be a good long-term investment.

2. Does South Indian Bank pay dividends?

Yes, dividend yield of 1.26%, the bank gives the return on investment of the investor in the form of regular dividend.

3. P/E ratio being less than industry average why so?

Lowly priced stock of its industry having low P/E can be an investment opportunity.

4. What are certain reasons which will determine the future share price of South Indian Bank?

The performance of the bank, interest rate, regulatory shocks, and economy will determine the share price.

5. Do investors hold, buy, or sell the shares of South Indian Bank?

Analyst consensus:

• Buy: 60%
• Hold: 40%
• Sell: 10%

South Indian Bank is a good long-term investment option judging by its health and growth potential. Investors must remember the risk factors and research well before investment.