The South Indian Bank (NSE:SOUTHBANK) E10: ₹2.97 (As of Mar. 2026)


NSE:SOUTHBANK The South Indian Bank Ltd NSE:SOUTHBANK
66 GF Score
Price ₹46.10
GF Value ₹25.71
Valuation Significantly Overvalued
! 8 Warning Signs
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What is The South Indian Bank E10?

The South Indian Bank NSE:SOUTHBANK +1.23% 66 E10 is ₹2.97 as of Mar. 2026. GuruFocus rates NSE:SOUTHBANK with a GF Score™ of 66/100 and a GF Value™ of ₹25.71 (Significantly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

The South Indian Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹1.550. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹2.97 for the trailing ten years ended in Mar. 2026.

During the past 12 months, The South Indian Bank's average E10 Growth Rate was 13.40% per year. During the past 3 years, the average E10 Growth Rate was 9.20% per year. During the past 5 years, the average E10 Growth Rate was 2.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of The South Indian Bank was 9.20% per year. The lowest was -6.30% per year. And the median was -0.20% per year.

As of today (2026-07-06), The South Indian Bank's current stock price is ₹46.10. The South Indian Bank's E10 for the quarter that ended in Mar. 2026 was ₹2.97. The South Indian Bank's Shiller PE Ratio of today is 15.52.

During the past 13 years, the highest Shiller PE Ratio of The South Indian Bank was 16.32. The lowest was 1.64. And the median was 7.37.


The South Indian Bank  (NSE:SOUTHBANK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

The South Indian Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=46.10/2.97
=15.52

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of The South Indian Bank was 16.32. The lowest was 1.64. And the median was 7.37.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


The South Indian Bank E10 Related Terms


The South Indian Bank E10 Historical Data

* Premium members only.

The historical data trend for The South Indian Bank's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The South Indian Bank E10 Chart

The South Indian Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.37 2.28 2.37 2.62 2.97

The South Indian Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.62 2.72 2.81 2.87 2.97

The South Indian Bank E10 Competitor Comparison

For the Banks - Regional subindustry, The South Indian Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


The South Indian Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, The South Indian Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where The South Indian Bank's Shiller PE Ratio falls into.


NSE:SOUTHBANK
66GF Score
The South Indian Bank Ltd NSE:SOUTHBANK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The South Indian Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, The South Indian Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.55/164.2724*164.2724
=1.550

Current CPI (Mar. 2026) = 164.2724.

The South Indian Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.588 105.961 0.912
201609 0.680 105.961 1.054
201612 0.671 105.196 1.048
201703 0.459 105.196 0.717
201706 0.514 107.109 0.788
201709 0.018 109.021 0.027
201712 0.588 109.404 0.883
201803 0.579 109.786 0.866
201806 0.119 111.317 0.176
201809 0.358 115.142 0.511
201812 0.423 115.142 0.603
201903 0.358 118.202 0.498
201906 0.367 120.880 0.499
201909 0.432 123.175 0.576
201912 0.459 126.235 0.597
202003 -0.726 124.705 -0.956
202006 0.413 127.000 0.534
202009 0.331 130.118 0.418
202012 -0.469 130.889 -0.589
202103 0.037 131.771 0.046
202106 0.046 134.084 0.056
202109 -0.818 135.847 -0.989
202112 -0.220 138.161 -0.262
202203 1.194 138.822 1.413
202206 0.505 142.347 0.583
202209 0.983 144.661 1.116
202212 0.450 145.763 0.507
202303 1.551 146.865 1.735
202306 0.910 150.280 0.995
202309 1.240 151.492 1.345
202312 1.370 152.924 1.472
202403 1.570 153.035 1.685
202406 1.120 155.789 1.181
202409 1.240 157.882 1.290
202412 1.310 158.323 1.359
202503 1.310 157.552 1.366
202506 1.230 159.755 1.265
202509 1.340 162.289 1.356
202512 1.430 163.281 1.439
202603 1.550 164.272 1.550

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹2.97 mean?
The South Indian Bank (NSE:SOUTHBANK) has a E10 of ₹2.97 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The South Indian Bank and its competitors.
Is The South Indian Bank's E10 too high?
The South Indian Bank's current E10 is ₹2.97. Overall, The South Indian Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The South Indian Bank's E10 compare to competitors?
The South Indian Bank's E10 of ₹2.97 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The South Indian Bank and its competitors. The South Indian Bank's current E10 is ₹2.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The South Indian Bank stock overvalued right now?
Based on GuruFocus' analysis, The South Indian Bank (NSE:SOUTHBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹25.71, compared to a current price of ₹46.10 — trading 79.3% above its estimated fair value. The current E10 is ₹2.97. The South Indian Bank's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For The South Indian Bank (NSE:SOUTHBANK), the current E10 is ₹2.97 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The South Indian Bank (NSE:SOUTHBANK) Overvalued in 2026?

Based on GuruFocus' analysis, The South Indian Bank stock appears to be overvalued. The current stock price of ₹46.10 is trading 79.3% above its estimated GF Value™ of ₹25.71. GuruFocus considers The South Indian Bank to be Significantly Overvalued.

Key valuation signals for NSE:SOUTHBANK:

  • E10: ₹2.97
  • GF Value™: ₹25.71 vs. price of ₹46.10 (79.3% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the NSE:SOUTHBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


The South Indian Bank Business Description

Other Exchanges 532218:India
Address TB Road, SIB House, Mission Quarters, Thrissur, KL, IND, 680001
The South Indian Bank Ltd operates in the Indian banking sector. The company's operating segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking operations. Corporate/Wholesale Banking segment provides loans to the corporate segment identified based on RBI guidelines. The Retail Banking segment provides loans to non-corporate customers. Treasury segment constitutes interest earnings on investment portfolios and foreign exchange activities. The Other Banking Operations segment includes income from para-banking activities. It generates maximum revenue from the Retail Banking segment. Geographically, it operates in India.
66GF Score

Get the complete analysis for NSE:SOUTHBANK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹46.10
Price
₹25.71
GF Value