{"id":303092,"date":"2026-10-12T16:38:48","date_gmt":"2026-10-12T11:08:48","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=303092"},"modified":"2026-10-12T16:38:48","modified_gmt":"2026-10-12T11:08:48","slug":"state-backed-lender-with-rising-profit-stocks-future-pipeline-picks","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/","title":{"rendered":"3 State-Backed Lender With Rising Profit Stocks With a Strong Future Roadmap: Central Bank of India, Indian Overseas Bank and State Bank of India"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Central Bank of India Rs 30.10, P\/E 5.94. Indian Overseas Bank Rs 30.58, P\/E 9.85. SBI Rs 959.10, P\/E 9.68. Closing prices of 9 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">State-backed lender with rising profit stocks with the clearest long-term roadmaps today include Central Bank of India in lending to retail, agriculture and MSME borrowers, Indian Overseas Bank in retail, MSME and agriculture lending in South India and SBI in the largest lending franchise in the country. FY26 revenue growth was 7.9% at Central Bank of India, 11.8% at Indian Overseas Bank and 7.4% at SBI. P\/E stands at 5.94 for Central Bank of India (industry 12.00), 9.85 for Indian Overseas Bank (industry 12.00) and 9.68 for SBI (industry 12.00). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>State-backed lender with rising profit stocks give investors exposure to loans and deposits through wide branch networks in cities, towns and villages. Credit growth, funding costs and asset quality decide how much of that reach turns into profit.<\/p>\n<p>This list covers three state-backed lender with rising profit stocks: Central Bank of India for lending to retail, agriculture and MSME borrowers, Indian Overseas Bank for retail, MSME and agriculture lending in South India and State Bank of India for the largest lending franchise in the country. Every figure comes from the latest reported financials and the 9 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#What_Are_State-Backed_Lender_with_Rising_Profit_Stocks\" title=\"What Are State-Backed Lender with Rising Profit Stocks?\">What Are State-Backed Lender with Rising Profit Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#State-Backed_Lender_with_Rising_Profit_Stocks_at_a_Glance\" title=\"State-Backed Lender with Rising Profit Stocks at a Glance\">State-Backed Lender with Rising Profit Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Why_Do_State-Backed_Lender_with_Rising_Profit_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do State-Backed Lender with Rising Profit Stocks Have a Strong Roadmap in India?\">Why Do State-Backed Lender with Rising Profit Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Central_Bank_of_India_Wide_Branch_Network_Anchors_the_Roadmap\" title=\"Central Bank of India: Wide Branch Network Anchors the Roadmap\">Central Bank of India: Wide Branch Network Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Indian_Overseas_Bank_South_India_Lending_Franchise_Drives_the_Pipeline\" title=\"Indian Overseas Bank: South India Lending Franchise Drives the Pipeline\">Indian Overseas Bank: South India Lending Franchise Drives the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\" title=\"State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap\">State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Best_State-Backed_Lender_with_Rising_Profit_Stocks_in_India_Central_Bank_of_India_vs_Indian_Overseas_Bank_vs_SBI_on_Key_Financials\" title=\"Best State-Backed Lender with Rising Profit Stocks in India: Central Bank of India vs Indian Overseas Bank vs SBI on Key Financials\">Best State-Backed Lender with Rising Profit Stocks in India: Central Bank of India vs Indian Overseas Bank vs SBI on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#How_to_Evaluate_State-Backed_Lender_with_Rising_Profit_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate State-Backed Lender with Rising Profit Stocks to Buy Before You Invest\">How to Evaluate State-Backed Lender with Rising Profit Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Risks_to_Consider_Before_Investing_in_State-Backed_Lender_with_Rising_Profit_Stocks\" title=\"Risks to Consider Before Investing in State-Backed Lender with Rising Profit Stocks\">Risks to Consider Before Investing in State-Backed Lender with Rising Profit Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#FAQs_on_State-Backed_Lender_with_Rising_Profit_Stocks\" title=\"FAQs on State-Backed Lender with Rising Profit Stocks\">FAQs on State-Backed Lender with Rising Profit Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Which_are_the_best_state-backed_lender_with_rising_profit_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best state-backed lender with rising profit stocks in India with a strong roadmap?\">Which are the best state-backed lender with rising profit stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Is_Central_Bank_of_India_a_good_stock_to_buy_now\" title=\"Is Central Bank of India a good stock to buy now?\">Is Central Bank of India a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#What_is_the_PE_ratio_of_Central_Bank_of_India_Indian_Overseas_Bank_and_SBI\" title=\"What is the P\/E ratio of Central Bank of India, Indian Overseas Bank and SBI?\">What is the P\/E ratio of Central Bank of India, Indian Overseas Bank and SBI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Which_of_these_state-backed_lender_with_rising_profit_stocks_has_the_highest_return_on_equity\" title=\"Which of these state-backed lender with rising profit stocks has the highest return on equity?\">Which of these state-backed lender with rising profit stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#What_are_the_risks_of_investing_in_state-backed_lender_with_rising_profit_stocks\" title=\"What are the risks of investing in state-backed lender with rising profit stocks?\">What are the risks of investing in state-backed lender with rising profit stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#How_did_Central_Bank_of_India_Indian_Overseas_Bank_and_SBI_perform_in_Q1_FY27\" title=\"How did Central Bank of India, Indian Overseas Bank and SBI perform in Q1 FY27?\">How did Central Bank of India, Indian Overseas Bank and SBI perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#Do_state-backed_lender_with_rising_profit_stocks_pay_dividends\" title=\"Do state-backed lender with rising profit stocks pay dividends?\">Do state-backed lender with rising profit stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/state-backed-lender-with-rising-profit-stocks-future-pipeline-picks\/#How_can_I_invest_in_state-backed_lender_with_rising_profit_stocks_in_India\" title=\"How can I invest in state-backed lender with rising profit stocks in India?\">How can I invest in state-backed lender with rising profit stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_State-Backed_Lender_with_Rising_Profit_Stocks\"><\/span><strong>What Are State-Backed Lender with Rising Profit Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>State-backed lender with rising profit stocks are shares of companies that take deposits and lend to retail, farm, small business and corporate borrowers. Results depend on credit growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"State-Backed_Lender_with_Rising_Profit_Stocks_at_a_Glance\"><\/span><strong>State-Backed Lender with Rising Profit Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three state-backed lender with rising profit stocks as of the 9 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/centralbk\/central-bank-of-india-share-price-today\">Central Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.10<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">27,154<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.31%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/iob\/indian-overseas-bank-share-price-today\">Indian Overseas Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.58<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">58,636<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.85<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.78%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/sbin\/state-bank-of-india-share-price-today\">State Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">959.10<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">868,292<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.29%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among government-owned bank stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_State-Backed_Lender_with_Rising_Profit_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do State-Backed Lender with Rising Profit Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>State-backed lender with rising profit stocks have a strong roadmap in India because government-owned banks now run on cleaner balance sheets and can grow loans while earning more. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Cleaner books:<\/strong> Lower bad loans leave more earnings for growth.<\/li>\n<li><strong>Wide reach:<\/strong> Large branch networks gather low-cost deposits.<\/li>\n<li><strong>Credit demand:<\/strong> Retail, farm and small business loans keep growing.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Central_Bank_of_India_Wide_Branch_Network_Anchors_the_Roadmap\"><\/span><strong>Central Bank of India: Wide Branch Network Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Central Bank of India&#8217;s roadmap rests on lending to retail, agriculture and MSME borrowers through a wide public sector bank network, with credit demand from households and small businesses supporting earnings.<\/p>\n<p>Revenue grew from Rs 25,870.83 crore in FY22 to Rs 42,583.14 crore in FY26, a 64.6% rise, and FY26 revenue was 7.9% higher than FY25. FY26 net profit rose 14.9% to Rs 4,530.80 crore. Over four years, net profit rose from Rs 1,082.95 crore in FY22 to Rs 4,530.80 crore. In Q1 FY27, revenue grew 3.1% to Rs 10,714.39 crore, and net profit rose 5.4% to Rs 1,328.95 crore.<\/p>\n<p>Return on equity is 12.31%. At a P\/E of 5.94 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 5.94 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Indian_Overseas_Bank_South_India_Lending_Franchise_Drives_the_Pipeline\"><\/span><strong>Indian Overseas Bank: South India Lending Franchise Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Indian Overseas Bank&#8217;s roadmap rests on retail, MSME and agriculture lending anchored in South India through a public sector bank network, with a rebuilt balance sheet giving room for loan growth.<\/p>\n<p>Revenue grew from Rs 21,641.17 crore in FY22 to Rs 37,742.58 crore in FY26, a 74.4% rise, and FY26 revenue was 11.8% higher than FY25. FY26 net profit rose 59.6% to Rs 5,418.47 crore. Over four years, net profit rose from Rs 1,709.27 crore in FY22 to Rs 5,418.47 crore. In Q1 FY27, revenue grew 23.3% to Rs 10,937.80 crore, and net profit rose 49.3% to Rs 1,659.24 crore.<\/p>\n<p>Return on equity is 16.78%. At a P\/E of 9.85 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.85 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\"><\/span><strong>State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI&#8217;s roadmap rests on the largest lending franchise in India, with retail, corporate and international banking backed by a very wide branch and digital network, and with a large deposit base and steady credit demand supporting earnings.<\/p>\n<p>Revenue grew from Rs 406,973.09 crore in FY22 to Rs 712,643.53 crore in FY26, a 75.1% rise, and FY26 revenue was 7.4% higher than FY25. FY26 net profit rose 7.8% to Rs 85,168.47 crore. Over four years, net profit rose from Rs 36,356.17 crore in FY22 to Rs 85,168.47 crore. In Q1 FY27, revenue grew 7.8% to Rs 180,061.86 crore, and net profit rose 13.7% to Rs 24,579.04 crore.<\/p>\n<p>Return on equity is 14.29%. SBI paid a dividend of Rs 17.35 per share for FY26, a yield of 1.84%. At a P\/E of 9.68 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.68 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_State-Backed_Lender_with_Rising_Profit_Stocks_in_India_Central_Bank_of_India_vs_Indian_Overseas_Bank_vs_SBI_on_Key_Financials\"><\/span><strong>Best State-Backed Lender with Rising Profit Stocks in India: Central Bank of India vs Indian Overseas Bank vs SBI on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best state-backed lender with rising profit stocks in India, Central Bank of India leads on the lowest P\/E; Indian Overseas Bank leads on FY26 revenue growth and Q1 FY27 revenue growth; SBI ranks second on Q1 FY27 revenue growth and Q1 FY27 net profit growth. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Central Bank of India<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Indian Overseas Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">SBI<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">42,583.14<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">37,742.58<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">712,643.53<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.4%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,530.80<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,418.47<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">85,168.47<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">59.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">23.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">49.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.7%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.31%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.78%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.29%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.85<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.68<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Bank earnings follow credit growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_State-Backed_Lender_with_Rising_Profit_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate State-Backed Lender with Rising Profit Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen state-backed lender with rising profit stocks and shortlist state-backed lender with rising profit stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 12.00 for all three here.<\/li>\n<li>Check gross NPA, capital adequacy and profit growth together.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch capital adequacy and asset quality before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these state-backed lender with rising profit stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_State-Backed_Lender_with_Rising_Profit_Stocks\"><\/span><strong>Risks to Consider Before Investing in State-Backed Lender with Rising Profit Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in bad loans can reduce profit.<\/li>\n<li><strong>Policy priorities:<\/strong> Lending targets and government choices can shape growth.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Central Bank of India, Indian Overseas Bank and SBI live.<\/em><\/p>\n<p>Annual reports and quarterly result presentations are the most reliable places to verify the numbers quoted here, because they show segment details, management commentary and the notes behind each figure.<\/p>\n<p>Comparing a quarter with the same quarter of the previous year gives a cleaner reading than comparing it with the preceding quarter, since seasonal patterns affect many businesses in India.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three government-owned bank stocks cover retail, farm and MSME loans from government-owned banks. Central Bank of India leads on the lowest P\/E; Indian Overseas Bank leads on FY26 revenue growth and Q1 FY27 revenue growth; SBI ranks second on Q1 FY27 revenue growth and Q1 FY27 net profit growth.<\/p>\n<p>Across state-backed lender with rising profit stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the state-backed lender with rising profit stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_State-Backed_Lender_with_Rising_Profit_Stocks\"><\/span><strong>FAQs on State-Backed Lender with Rising Profit Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_state-backed_lender_with_rising_profit_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best state-backed lender with rising profit stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India, Indian Overseas Bank and State Bank of India stand out for their roadmaps in retail, farm and MSME loans from government-owned banks. FY26 revenue growth was 7.9% at Central Bank of India, 11.8% at Indian Overseas Bank and 7.4% at SBI, and return on equity ranges from 12.31% to 16.78%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Central_Bank_of_India_a_good_stock_to_buy_now\"><\/span><strong>Is Central Bank of India a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India has a return on equity of 12.31% and a P\/E of 5.94 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Central_Bank_of_India_Indian_Overseas_Bank_and_SBI\"><\/span><strong>What is the P\/E ratio of Central Bank of India, Indian Overseas Bank and SBI?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 5.94 for Central Bank of India (industry 12.00), 9.85 for Indian Overseas Bank (industry 12.00) and 9.68 for SBI (industry 12.00). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_state-backed_lender_with_rising_profit_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these state-backed lender with rising profit stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Overseas Bank has the highest return on equity at 16.78%, followed by State Bank of India at 14.29% and Central Bank of India at 12.31%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_state-backed_lender_with_rising_profit_stocks\"><\/span><strong>What are the risks of investing in state-backed lender with rising profit stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, policy priorities and quarterly trends. A rise in bad loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Central_Bank_of_India_Indian_Overseas_Bank_and_SBI_perform_in_Q1_FY27\"><\/span><strong>How did Central Bank of India, Indian Overseas Bank and SBI perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India reported revenue of Rs 10,714.39 crore, up 3.1% year on year, and net profit rose 5.4% to Rs 1,328.95 crore. Indian Overseas Bank reported revenue of Rs 10,937.80 crore, up 23.3% year on year, and net profit rose 49.3% to Rs 1,659.24 crore. State Bank of India reported revenue of Rs 180,061.86 crore, up 7.8% year on year, and net profit rose 13.7% to Rs 24,579.04 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_state-backed_lender_with_rising_profit_stocks_pay_dividends\"><\/span><strong>Do state-backed lender with rising profit stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> SBI pays dividends. The dividend yield is 1.84% for SBI, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_state-backed_lender_with_rising_profit_stocks_in_India\"><\/span><strong>How can I invest in state-backed lender with rising profit stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy state-backed lender with rising profit stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best state-backed lender with rising profit stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Central Bank of India, Indian Overseas Bank and State Bank of India stand out for their roadmaps in retail, farm and MSME loans from government-owned banks. FY26 revenue growth was 7.9% at Central Bank of India, 11.8% at Indian Overseas Bank and 7.4% at SBI, and return on equity ranges from 12.31% to 16.78%.\"}},{\"@type\":\"Question\",\"name\":\"Is Central Bank of India a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Central Bank of India has a return on equity of 12.31% and a P\/E of 5.94 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of Central Bank of India, Indian Overseas Bank and SBI?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 5.94 for Central Bank of India (industry 12.00), 9.85 for Indian Overseas Bank (industry 12.00) and 9.68 for SBI (industry 12.00). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these state-backed lender with rising profit stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Indian Overseas Bank has the highest return on equity at 16.78%, followed by State Bank of India at 14.29% and Central Bank of India at 12.31%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in state-backed lender with rising profit stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, policy priorities and quarterly trends. A rise in bad loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did Central Bank of India, Indian Overseas Bank and SBI perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Central Bank of India reported revenue of Rs 10,714.39 crore, up 3.1% year on year, and net profit rose 5.4% to Rs 1,328.95 crore. Indian Overseas Bank reported revenue of Rs 10,937.80 crore, up 23.3% year on year, and net profit rose 49.3% to Rs 1,659.24 crore. State Bank of India reported revenue of Rs 180,061.86 crore, up 7.8% year on year, and net profit rose 13.7% to Rs 24,579.04 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do state-backed lender with rising profit stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"SBI pays dividends. The dividend yield is 1.84% for SBI, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in state-backed lender with rising profit stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy state-backed lender with rising profit stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Central Bank of India, Indian Overseas Bank and State Bank of India compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":303091,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[11189,10574,768,11388,11389],"class_list":["post-303092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-central-bank-of-india","tag-indian-overseas-bank","tag-state-bank-of-india","tag-state-backed-lender-with-rising-profit-stocks","tag-state-backed-lender-with-rising-profit-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["303091"],"rank_math_title":["State-Backed Lender with Rising Profit Stocks"],"rank_math_description":["State-backed lender with rising profit stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["state-backed lender with rising profit stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-state-backed-lender-with-rising-profit-stocks-with-a-strong-future-roadmap.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=303092"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303092\/revisions"}],"predecessor-version":[{"id":303093,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303092\/revisions\/303093"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/303091"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=303092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=303092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=303092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}