South Indian Bank Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

South Indian Bank (NSE: SOUTHBANK) is preparing to announce its Q4 FY26 financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on May 2026 (Expected) to approve the audited statements and consider a final dividend recommendation. With the stock at Rs 28 — against a 52-week high of Rs 38 and a 1-year return of -18% — the Q4 FY26 results will be a pivotal event for investors.

Analyst estimates for Q4 FY26 revenue stand at Rs 2,550-2,700 Cr, with PAT expectations of Rs 340-390 Cr and margin projections of NIM 2.90-3.10%. This article covers the South Indian Bank Q4 results 2026 date, earnings estimates, five key performance factors, five risks, analyst ratings, and the most commonly searched investor questions.

South Indian Bank Q4 Results 2026 Date

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South Indian Bank has scheduled its Q4 FY26 results for May 2026 (Expected). Here is the broader Q4 FY26 earnings calendar:

Why This Quarter Matters

South Indian Bank enters Q4 FY26 with expectations of Loan growth 10-14% YoY. Q4 is the final quarter of FY26 — it determines full-year performance, sets FY27 estimate baselines, and triggers final dividend announcements. At a 1-year return of -18%, this quarter’s results and FY27 guidance will be critical in determining whether the stock can sustain recovery momentum.

South Indian Bank Q4 FY26 Earnings Estimates

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A positive surprise on any two of the four key parameters — revenue, margin, guidance, and dividend — could drive a meaningful post-results re-rating.

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5 Key Factors That Will Drive South Indian Bank Q4 FY26 Performance

Revenue Momentum

Analysts expect Rs 2,550-2,700 Cr in Q4 FY26 revenue (Q3: Rs 2,421 Cr). Q4 is seasonally important for the Banking sector, driven by year-end order execution and government capex push. The ability to convert the pipeline into recognised revenue will be the first test.

Margin Trajectory

Q4 FY26 margin expectations are NIM 2.90-3.10%, versus NIM 2.96% in Q3. Input cost trends, employee expenses, and pricing power will determine the outcome. Any margin beat would be a significant positive catalyst.

PAT Quality

Net profit is estimated at Rs 340-390 Cr. Investors will assess whether PAT is driven by operational improvement or one-time items. A clean, recurring profit print is most positively received by institutional investors.

Management Guidance for FY27

The most consequential output will be FY27 guidance — revenue bands, margin targets, and capex plans. In the current global macro environment, credible and specific FY27 guidance will be valued more than usual by the market.

Dividend Declaration

South Indian Bank is expected to consider a final dividend of Rs 0.5-1 per share. The quantum signals confidence in free cash flow generation and sets expectations for FY27 capital allocation strategy.

5 Risks to Watch in South Indian Bank Q4 FY26

US Tariff and Macro Headwinds

The 26% US reciprocal tariff on Indian goods has created macro uncertainty across Indian equities. For South Indian Bank, indirect impacts include FII outflows and potential earnings estimate cuts if global demand slows. A tariff negotiation breakthrough remains the most significant macro upside catalyst.

Earnings Miss Risk

If South Indian Bank’s Q4 FY26 results miss estimates, the stock could correct sharply. Investors should monitor revenue versus the Rs 2,550-2,700 Cr estimate and PAT versus Rs 340-390 Cr as the two primary watchpoints on results day.

FY27 Guidance Below Consensus

If FY27 guidance falls below Street expectations, the stock may decline even if Q4 numbers are in line. In the current environment, forward guidance carries more weight than the reported quarter.

FII Outflow Continuation

FIIs sold Rs 22,000 crore in Indian equities in a single week following the tariff announcement. Continued selling pressure would create headwinds for South Indian Bank regardless of company-specific fundamentals.

Sector Regulatory Risk

The Banking sector faces evolving regulatory frameworks. Any policy changes that increase compliance costs or alter competitive dynamics could affect South Indian Bank’s profitability beyond current consensus models.

South Indian Bank Share Price and Analyst Ratings

South Indian Bank is trading at Rs 28 as of early April 2026, against a 52-week high of Rs 38 and a 52-week low of Rs 22. Market cap stands at Rs 5,900 Cr. The 1-year return of -18% reflects sector headwinds alongside company-specific factors.

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Conclusion

South Indian Bank Q4 FY26 results on May 2026 (Expected) will be a key event for investors monitoring the Banking sector. Analysts project PAT of Rs 340-390 Cr and revenue of Rs 2,550-2,700 Cr. At a CMP of Rs 28 and analyst targets ranging from Rs 29 to Rs 32, the stock offers meaningful risk-reward for informed investors. FY27 guidance will be the most critical post-results catalyst.

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Frequently Asked Questions

What is the South Indian Bank Q4 results 2026 date?

The South Indian Bank Q4 results 2026 date is May 2026 (Expected). The board will meet to approve audited Q4 FY26 financials and consider a dividend recommendation.

What is the South Indian Bank Q4 FY26 PAT estimate?

Analysts estimate South Indian Bank Q4 FY26 PAT at Rs 340-390 Cr, based on revenue of Rs 2,550-2,700 Cr and margin of NIM 2.90-3.10%. Actual results may differ from consensus.

What is South Indian Bank’s share price ahead of Q4 results?

South Indian Bank is trading at Rs 28. The 52-week high is Rs 38 and low is Rs 22. The 1-year return is -18% and market cap is Rs 5,900 Cr.

Will South Indian Bank declare a dividend in Q4 FY26?

South Indian Bank is expected to consider a final dividend of Rs 0.5-1 per share at the Q4 FY26 board meeting on May 2026 (Expected).

Which analysts have a Buy rating on South Indian Bank?

JM Financial (Add, Rs 34) have positive ratings heading into Q4 FY26.

What were South Indian Bank Q3 FY26 results?

South Indian Bank reported Q3 FY26 revenue of Rs 2,421 Cr and PAT of Rs 325 Cr, with margin at NIM 2.96%. These form the baseline for Q4 FY26 estimates.

When do Infosys and TCS announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026. Read the TCS Q4 Results 2026 preview on Univest Blogs. Infosys Q4 FY26 results are scheduled for April 23, 2026. Read the Infosys Q4 Results 2026 preview on Univest Blogs.

Is South Indian Bank a good investment ahead of Q4 results?

This depends on your risk appetite and portfolio context. South Indian Bank has compelling long-term factors alongside genuine near-term risks. Consult a SEBI-registered financial advisor. Use the Univest Screener to assess fundamentals independently.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.

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