Last Updated2026-06-02

Market View

₹42.08(▲2.48%)

Reporting PeriodQ4 FY26

SOUTHBANKThe South Indian Bank Limited Forensic Risk Analysis

Name: The South Indian Bank Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Private Sector Bank

Risk ClassStable

Market Cap₹10,545 Cr

Primary DriverGovernance

Flagium AI Risk Score

6 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

10.5th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹42.08▲2.48%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+6.0 pts

Final Composite Risk6 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 16 → 6 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

CAR Decay
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (2)

CriticalHigh

CAR Decay

🏛️ Solvency & LeverageQuarterlyActive for 1 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ3 FY2024

SOUTHBANK: CAR (12.39%) at critical buffer level (v/s 11.5% floor).

"Capital position is strengthening through fresh equity or higher profit retention."

NIM Compression

📊 Earnings QualityQuarterlyActive for 5 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ3 FY2026

SOUTHBANK: NIM compressed by 41 bps YoY (to 2.57%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	4.91	11.47	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+60.0	+42.5	✅ RESILIENT

Forensic Benchmark Context: Private Sector Bank (n=20 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹42.08(+2.48%)

1M Divergence+7.3%

1 Week+3.29%

1 Month+6.64%

6 Months+5.28%

1 Year+43.91%

2 Year+60.12%

3 Year+129.57%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

SOUTHBANK • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.92%

Trend QualityStrong

Phase Progression

Phase Progression Score75%

Readiness LabelHigh (Phase Transition Imminent)

Probability of Advancing92%

CoinTree Momentum

Composite Z-Score+0.0623σ

Improving momentum strength

Universe Rank#882 of 2716

Top 32.47% in momentum strength

Timeframe Sparklines

1W+3.3%

1M+6.6%

6M+5.3%

Weinstein Indicators

150 DMA₹39.6

200 DMA₹37.26

150 DMA Slope+3.0365%Rising

Relative Strength+10.77%Leading

Relative Turnover (RTR)0.6567

ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (23.5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
CUBCity Union Bank Limited	0	0th	-1	5	+0	GovernanceStable
SOUTHBANKThe South Indian Bank Limited	6	11th	-5	2	+0	GovernanceStable
AXISBANKAxis Bank Limited	22	37th	-5	15	+0	Earnings QualityWatch
BANDHANBNKBandhan Bank Limited	25	58th	-5	14	+0	GovernanceWatch