Share Price and Basic Stock Data
Last Updated: December 13, 2025, 1:49 am
| PEG Ratio | 22.01 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Punjab & Sind Bank, with a current market capitalization of ₹19,555 Cr, has been navigating the complexities of the banking sector with a measured approach. The bank reported a revenue growth trajectory that has been relatively stable, with figures rising from ₹1,800 Cr in June 2022 to ₹2,739 Cr by September 2024. This upward trend reflects a growing operational capacity and an expanding customer base. Notably, revenue for the trailing twelve months stands at ₹11,740 Cr, a considerable increase from ₹7,993 Cr in FY 2023. The steady growth in interest income, which reached ₹7,906 Cr in the latest reporting period, underscores the bank’s ability to generate earnings from its core lending activities, even as expenses also saw a rise to ₹4,229 Cr, driven by operational costs. Overall, Punjab & Sind Bank appears to be effectively capitalizing on its core banking operations, although the rising expense trend warrants close monitoring.
Profitability and Efficiency Metrics
The profitability metrics for Punjab & Sind Bank present a mixed picture. The reported net profit for FY 2025 is ₹1,016 Cr, which is an improvement over the previous year’s ₹1,313 Cr. However, the decline in profitability is concerning, particularly as the net profit margin has dipped to 8.84% from 16.42% in FY 2023. The return on equity (ROE) stood at 7.60%, which, while a recovery from previous lows, still reflects a cautious performance relative to industry standards. The cost-to-income ratio of 61.22% suggests that the bank is managing its operational efficiency reasonably well, but there is room for improvement as higher costs could impact future profitability. The net interest margin at 2.33x indicates that the bank is generating a reasonable return on its lending, although this too is something to watch closely, especially in a competitive lending landscape.
Balance Sheet Strength and Financial Ratios
Punjab & Sind Bank’s balance sheet reflects a degree of resilience, with total assets reported at ₹161,815 Cr for FY 2025. The bank’s equity capital has increased to ₹7,096 Cr, alongside reserves of ₹6,538 Cr, which provide a buffer against potential financial strains. However, the gross non-performing assets (NPA) ratio has improved significantly, declining to 3.38% by March 2025, suggesting a more stable asset quality. This is a positive indicator, especially considering the bank’s past struggles with NPAs, which peaked at over 11% in June 2022. Nevertheless, the bank’s financing profit has shown volatility, with a notable negative figure in recent quarters, raising questions about the sustainability of its profitability. Overall, while the balance sheet appears robust, the trends in NPAs and financing profit signal areas that require careful management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab & Sind Bank indicates a strong promoter backing, currently at 93.85%, which can instill confidence among investors regarding the bank’s governance and strategic direction. The significant presence of domestic institutional investors (DIIs) at 4.03% also suggests a degree of institutional interest, although foreign institutional investment (FIIs) remains marginal at just 0.16%. This might reflect broader concerns about the bank’s performance and outlook among foreign investors. The increase in the number of shareholders to 2,22,120 by September 2025 is a positive sign of growing retail interest, although the relatively low public holding of 1.96% might deter potential investors seeking more diverse ownership. Overall, the shareholding structure appears stable, yet the low foreign investment could limit broader market confidence.
Outlook, Risks, and Final Insight
Looking ahead, Punjab & Sind Bank faces a mix of opportunities and challenges. The improving trend in revenue and asset quality offers a hopeful narrative for the bank. However, the volatility in profitability, coupled with rising operational costs, presents significant headwinds. Investors should be cautious about the bank’s ability to sustain its profit margins in a competitive environment, especially if interest rates fluctuate. The risk of further NPA deterioration, despite recent improvements, remains a concern, particularly given the economic uncertainties. These factors could impact investor sentiment and the bank’s share price. In conclusion, while Punjab & Sind Bank shows promise with its revenue growth and improving asset quality, potential investors should weigh these positives against the risks of profitability pressures and high operational costs in a dynamic banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,16,596 Cr. | 153 | 160/101 | 6.31 | 165 | 3.11 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,440 Cr. | 29.1 | 48.3/26.8 | 14.5 | 25.9 | 1.34 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,89,047 Cr. | 963 | 999/680 | 11.3 | 617 | 1.65 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,35,398 Cr. | 118 | 128/85.5 | 7.95 | 124 | 2.46 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,662 Cr. | 27.7 | 53.2/25.2 | 17.0 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 146,403.00 Cr | 221.69 | 9.99 | 177.23 | 1.94% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,800 | 1,980 | 2,107 | 2,105 | 2,316 | 2,406 | 2,491 | 2,481 | 2,652 | 2,739 | 2,931 | 3,159 | 2,911 |
| Interest | 1,091 | 1,205 | 1,302 | 1,421 | 1,578 | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 |
| Expenses | 542 | 723 | 391 | 638 | 682 | 648 | 920 | 875 | 831 | 924 | 902 | 1,356 | 1,046 |
| Financing Profit | 167 | 52 | 414 | 46 | 56 | 27 | -181 | -186 | 19 | -52 | 36 | -234 | -146 |
| Financing Margin % | 9% | 3% | 20% | 2% | 2% | 1% | -7% | -8% | 1% | -2% | 1% | -7% | -5% |
| Other Income | 115 | 140 | 138 | 547 | 179 | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 282 | 193 | 552 | 593 | 234 | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 |
| Tax % | 27% | -44% | 32% | 23% | 35% | 36% | 37% | 39% | 15% | 22% | 25% | 29% | 17% |
| Net Profit | 205 | 278 | 373 | 457 | 153 | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 |
| EPS in Rs | 0.30 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.44 | 0.38 |
| Gross NPA % | 11.34% | 9.67% | 8.36% | 6.97% | 6.80% | 6.23% | 5.70% | 5.43% | 4.72% | 4.21% | 3.83% | 3.38% | 3.34% |
| Net NPA % | 2.56% | 2.24% | 2.02% | 1.84% | 1.95% | 1.88% | 1.80% | 1.63% | 1.59% | 1.46% | 1.25% | 0.96% | 0.91% |
Last Updated: August 20, 2025, 4:55 am
Below is a detailed analysis of the quarterly data for Punjab & Sind Bank based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 2,010.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,037.00 Cr. (Mar 2025) to 2,010.00 Cr., marking a decrease of 27.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,046.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,356.00 Cr. (Mar 2025) to 1,046.00 Cr., marking a decrease of 310.00 Cr..
- For Other Income, as of Jun 2025, the value is 469.00 Cr.. The value appears to be declining and may need further review. It has decreased from 677.00 Cr. (Mar 2025) to 469.00 Cr., marking a decrease of 208.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 323.00 Cr.. The value appears to be declining and may need further review. It has decreased from 442.00 Cr. (Mar 2025) to 323.00 Cr., marking a decrease of 119.00 Cr..
- For Tax %, as of Jun 2025, the value is 17.00%. The value appears to be improving (decreasing) as expected. It has decreased from 29.00% (Mar 2025) to 17.00%, marking a decrease of 12.00%.
- For Net Profit, as of Jun 2025, the value is 269.00 Cr.. The value appears to be declining and may need further review. It has decreased from 313.00 Cr. (Mar 2025) to 269.00 Cr., marking a decrease of 44.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.38. The value appears to be declining and may need further review. It has decreased from 0.44 (Mar 2025) to 0.38, marking a decrease of 0.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: July 22, 2025, 3:09 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,973 | 8,589 | 8,744 | 8,173 | 7,949 | 8,559 | 7,930 | 6,974 | 7,096 | 7,993 | 9,694 | 11,481 | 11,740 |
| Interest | 6,352 | 6,909 | 6,569 | 6,014 | 5,714 | 6,279 | 5,872 | 4,712 | 4,444 | 5,019 | 6,853 | 7,698 | 7,906 |
| Expenses | 1,742 | 1,915 | 2,110 | 2,536 | 3,347 | 3,981 | 4,423 | 6,468 | 2,287 | 2,145 | 2,975 | 3,869 | 4,229 |
| Financing Profit | -121 | -235 | 66 | -377 | -1,112 | -1,702 | -2,366 | -4,206 | 364 | 828 | -134 | -85 | -395 |
| Financing Margin % | -2% | -3% | 1% | -5% | -14% | -20% | -30% | -60% | 5% | 10% | -1% | -1% | -3% |
| Other Income | 427 | 429 | 478 | 578 | 581 | 828 | 897 | 904 | 959 | 940 | 1,221 | 1,568 | 1,843 |
| Depreciation | 60 | 46 | 46 | 0 | 64 | -15 | 54 | 102 | 137 | 148 | 150 | 145 | 0 |
| Profit before tax | 246 | 147 | 498 | 201 | -595 | -859 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,447 |
| Tax % | -22% | 18% | 33% | 0% | 25% | -37% | -35% | -20% | 12% | 19% | 36% | 24% | |
| Net Profit | 301 | 121 | 336 | 201 | -744 | -543 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,103 |
| EPS in Rs | 10.92 | 3.03 | 8.39 | 5.02 | -13.17 | -9.62 | -14.13 | -6.74 | 1.53 | 1.94 | 0.88 | 1.43 | 1.59 |
| Dividend Payout % | 20% | 20% | 20% | 0% | 0% | 0% | 0% | 0% | 20% | 25% | 23% | 5% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -59.80% | 177.69% | -40.18% | -470.15% | 27.02% | -82.50% | -175.78% | 138.02% | 26.37% | -54.68% | 70.76% |
| Change in YoY Net Profit Growth (%) | 0.00% | 237.49% | -217.86% | -429.97% | 497.17% | -109.52% | -93.28% | 313.80% | -111.65% | -81.06% | 125.44% |
Punjab & Sind Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 8% |
| 3 Years: | 17% |
| TTM: | 17% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | 25% |
| 3 Years: | -1% |
| TTM: | 77% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 18% |
| 3 Years: | 22% |
| 1 Year: | -51% |
| Return on Equity | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 2% |
| 3 Years: | 7% |
| Last Year: | 7% |
Last Updated: September 5, 2025, 12:45 pm
Balance Sheet
Last Updated: December 4, 2025, 1:51 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 275 | 400 | 400 | 400 | 565 | 565 | 701 | 4,053 | 6,778 | 6,778 | 6,778 | 7,096 | 7,096 |
| Reserves | 4,536 | 5,196 | 5,570 | 5,742 | 5,618 | 5,136 | 4,895 | 4,310 | 7,233 | 8,331 | 8,756 | 6,259 | 6,538 |
| Deposits | 86,255 | 88,040 | 91,250 | 85,540 | 101,726 | 98,558 | 89,668 | 96,108 | 102,137 | 109,665 | 119,410 | 129,774 | 135,706 |
| Borrowing | 980 | 1,723 | 2,839 | 2,958 | 3,683 | 2,714 | 3,213 | 2,644 | 2,444 | 9,018 | 9,771 | 14,230 | 12,536 |
| Other Liabilities | 2,463 | 2,394 | 2,522 | 2,002 | 2,167 | 2,009 | 2,027 | 3,367 | 2,476 | 2,662 | 2,943 | 4,457 | 3,465 |
| Total Liabilities | 94,509 | 97,753 | 102,581 | 96,643 | 113,759 | 108,982 | 100,504 | 110,482 | 121,068 | 136,455 | 147,657 | 161,815 | 165,342 |
| Fixed Assets | 1,003 | 995 | 1,133 | 1,095 | 1,083 | 1,230 | 1,241 | 1,585 | 1,577 | 1,519 | 1,756 | 1,779 | 1,766 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 28,294 | 24,007 | 27,645 | 27,948 | 32,982 | 26,173 | 24,552 | 32,023 | 42,281 | 44,838 | 49,599 | 46,912 | 48,573 |
| Other Assets | 65,212 | 72,752 | 73,803 | 67,600 | 79,695 | 81,579 | 74,711 | 76,874 | 77,209 | 90,097 | 96,302 | 113,124 | 115,003 |
| Total Assets | 94,509 | 97,753 | 102,581 | 96,643 | 113,759 | 108,982 | 100,504 | 110,482 | 121,068 | 136,455 | 147,657 | 161,815 | 165,342 |
Below is a detailed analysis of the balance sheet data for Punjab & Sind Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 7,096.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 7,096.00 Cr..
- For Reserves, as of Sep 2025, the value is 6,538.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,259.00 Cr. (Mar 2025) to 6,538.00 Cr., marking an increase of 279.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 3,465.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,457.00 Cr. (Mar 2025) to 3,465.00 Cr., marking a decrease of 992.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 165,342.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 161,815.00 Cr. (Mar 2025) to 165,342.00 Cr., marking an increase of 3,527.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,766.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,779.00 Cr. (Mar 2025) to 1,766.00 Cr., marking a decrease of 13.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 48,573.00 Cr.. The value appears strong and on an upward trend. It has increased from 46,912.00 Cr. (Mar 2025) to 48,573.00 Cr., marking an increase of 1,661.00 Cr..
- For Other Assets, as of Sep 2025, the value is 115,003.00 Cr.. The value appears strong and on an upward trend. It has increased from 113,124.00 Cr. (Mar 2025) to 115,003.00 Cr., marking an increase of 1,879.00 Cr..
- For Total Assets, as of Sep 2025, the value is 165,342.00 Cr.. The value appears strong and on an upward trend. It has increased from 161,815.00 Cr. (Mar 2025) to 165,342.00 Cr., marking an increase of 3,527.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -85.00 | -87.00 | -89.00 | -83.00 | -98.00 | -95.00 | -85.00 | -90.00 | -100.00 | -107.00 | -117.00 | -126.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 7% | 2% | 6% | 3% | -12% | -9% | -18% | -39% | 9% | 9% | 4% | 7% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty PSU Bank BeES | 1,138,296 | 0.29 | 7.54 | 1,138,296 | 2025-04-22 15:56:54 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.50 | 0.88 | 1.94 | 2.56 | -35.71 |
| Diluted EPS (Rs.) | 1.50 | 0.88 | 1.94 | 2.56 | -35.71 |
| Cash EPS (Rs.) | 1.64 | 1.10 | 2.16 | 1.74 | -6.49 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 18.82 | 22.92 | 22.29 | 20.67 | 20.64 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 18.82 | 22.92 | 22.29 | 20.67 | 20.64 |
| Dividend / Share (Rs.) | 0.07 | 0.20 | 0.48 | 0.31 | 0.00 |
| Operating Revenue / Share (Rs.) | 16.18 | 14.30 | 11.79 | 10.47 | 17.21 |
| Net Profit / Share (Rs.) | 1.43 | 0.87 | 1.94 | 1.53 | -6.74 |
| Interest Income / Employee (Rs.) | 0.00 | 0.00 | 0.00 | 8123423.24 | 7896189.20 |
| Net Profit / Employee (Rs.) | 0.00 | 0.00 | 0.00 | 1189530.17 | -3094316.58 |
| Business / Employee (Rs.) | 0.00 | 0.00 | 0.00 | 189769405.95 | 177819159.65 |
| Interest Income / Branch (Rs.) | 71312424.22 | 61981941.18 | 52002156.15 | 46499411.53 | 45700617.96 |
| Net Profit / Branches (Rs.) | 6309508.70 | 3807032.61 | 8542804.16 | 6809007.86 | -17908914.81 |
| Business / Branches (Rs.) | 1410397042.24 | 1292493161.76 | 1213304612.23 | 1086261966.58 | 1029160431.19 |
| Net Profit Margin (%) | 8.84 | 6.14 | 16.42 | 14.64 | -39.18 |
| Operating Profit Margin (%) | 18.98 | 14.65 | 33.55 | 28.77 | -86.35 |
| Return On Assets (%) | 0.62 | 0.40 | 0.96 | 0.85 | -2.47 |
| Return On Equity / Networth (%) | 7.60 | 3.83 | 8.69 | 7.41 | -32.67 |
| Net Interest Margin (X) | 2.33 | 1.92 | 2.17 | 2.18 | 2.04 |
| Cost To Income (%) | 61.22 | 72.16 | 62.94 | 63.16 | 75.63 |
| Interest Income / Total Assets (%) | 7.09 | 6.56 | 5.85 | 5.86 | 6.31 |
| Non-Interest Income / Total Assets (%) | 0.96 | 0.82 | 0.68 | 0.79 | 0.81 |
| Operating Profit / Total Assets (%) | -0.34 | -0.42 | 0.27 | 0.06 | -3.29 |
| Operating Expenses / Total Assets (%) | 2.02 | 1.98 | 1.80 | 1.88 | 2.16 |
| Interest Expenses / Total Assets (%) | 4.75 | 4.64 | 3.67 | 3.67 | 4.26 |
| Enterprise Value (Rs.Cr.) | 166082.63 | 162358.44 | 129863.83 | 108913.09 | 98675.91 |
| EV Per Net Sales (X) | 14.47 | 16.75 | 16.25 | 15.35 | 14.15 |
| Price To Book Value (X) | 2.31 | 2.61 | 1.15 | 0.74 | 0.85 |
| Price To Sales (X) | 2.69 | 4.18 | 2.18 | 1.48 | 1.02 |
| Retention Ratios (%) | 86.65 | 45.36 | 83.99 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.03 | 0.01 | 0.07 | 0.09 | -0.38 |
After reviewing the key financial ratios for Punjab & Sind Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 1.50. This value is below the healthy minimum of 5. It has increased from 0.88 (Mar 24) to 1.50, marking an increase of 0.62.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.50. This value is below the healthy minimum of 5. It has increased from 0.88 (Mar 24) to 1.50, marking an increase of 0.62.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.64. This value is below the healthy minimum of 3. It has increased from 1.10 (Mar 24) to 1.64, marking an increase of 0.54.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 18.82. It has decreased from 22.92 (Mar 24) to 18.82, marking a decrease of 4.10.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 18.82. It has decreased from 22.92 (Mar 24) to 18.82, marking a decrease of 4.10.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.07. This value is below the healthy minimum of 1. It has decreased from 0.20 (Mar 24) to 0.07, marking a decrease of 0.13.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.43. This value is below the healthy minimum of 2. It has increased from 0.87 (Mar 24) to 1.43, marking an increase of 0.56.
- For Net Profit Margin (%), as of Mar 25, the value is 8.84. This value is within the healthy range. It has increased from 6.14 (Mar 24) to 8.84, marking an increase of 2.70.
- For Return On Assets (%), as of Mar 25, the value is 0.62. This value is below the healthy minimum of 5. It has increased from 0.40 (Mar 24) to 0.62, marking an increase of 0.22.
- For Retention Ratios (%), as of Mar 25, the value is 86.65. This value exceeds the healthy maximum of 70. It has increased from 45.36 (Mar 24) to 86.65, marking an increase of 41.29.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Punjab & Sind Bank:
- Net Profit Margin: 8.84%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 17 (Industry average Stock P/E: 9.99)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 8.84%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Bank House, New Delhi Delhi 110008 | complianceofficer@psb.co.in https://punjabandsindbank.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Swarup Kumar Saha | Managing Director & CEO |
| Mr. Ravi Mehra | Executive Director |
| Mr. Rajeeva | Executive Director |
| Mr. Shankar Lal Agarwal | Part Time Non Official Director |
| Mr. Rajendra Prasad Gupta | Shareholder Director |
| Ms. M G Jayasree | Government Nominee Director |
| Mr. Vivek Srivastava | Nominee Director |
FAQ
What is the intrinsic value of Punjab & Sind Bank?
Punjab & Sind Bank's intrinsic value (as of 12 December 2025) is 18.40 which is 33.57% lower the current market price of 27.70, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 19,662 Cr. market cap, FY2025-2026 high/low of 53.2/25.2, reserves of ₹6,538 Cr, and liabilities of 165,342 Cr.
What is the Market Cap of Punjab & Sind Bank?
The Market Cap of Punjab & Sind Bank is 19,662 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 12 December 2025?
The current stock price of Punjab & Sind Bank as on 12 December 2025 is 27.7.
What is the High / Low of Punjab & Sind Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Punjab & Sind Bank stocks is 53.2/25.2.
What is the Stock P/E of Punjab & Sind Bank?
The Stock P/E of Punjab & Sind Bank is 17.0.
What is the Book Value of Punjab & Sind Bank?
The Book Value of Punjab & Sind Bank is 19.2.
What is the Dividend Yield of Punjab & Sind Bank?
The Dividend Yield of Punjab & Sind Bank is 0.25 %.
What is the ROCE of Punjab & Sind Bank?
The ROCE of Punjab & Sind Bank is 5.98 %.
What is the ROE of Punjab & Sind Bank?
The ROE of Punjab & Sind Bank is 7.03 %.
What is the Face Value of Punjab & Sind Bank?
The Face Value of Punjab & Sind Bank is 10.0.