Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:11 am
| PEG Ratio | 11.25 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Punjab & Sind Bank operates within the public sector banking framework in India, with a market capitalization of ₹22,253 Cr and a current share price of ₹31.3. The bank has shown a consistent upward trajectory in revenue, which reported ₹1,800 Cr in June 2022 and rose steadily to ₹2,739 Cr by September 2024. The most recent quarter, March 2025, marked a revenue of ₹3,159 Cr, highlighting a robust growth pattern. The bank’s total revenue for the trailing twelve months (TTM) stands at ₹12,000 Cr, indicating a strong operational performance. Despite a fluctuating interest income, which increased from ₹1,091 Cr in June 2022 to ₹2,037 Cr by March 2025, the expenses have also risen, suggesting the need for improved cost management strategies. The overall growth in revenue reflects the bank’s ability to navigate the competitive landscape while maintaining a focus on enhancing its service offerings and operational efficiency.
Profitability and Efficiency Metrics
Punjab & Sind Bank’s profitability metrics reveal a mixed performance. The net profit for the period ending March 2025 stood at ₹1,016 Cr, an improvement from ₹1,313 Cr in March 2023, but lower than the ₹1,158 Cr reported for TTM. The bank’s return on equity (ROE) for March 2025 was recorded at 7.03%, indicating a modest return relative to equity, while the return on capital employed (ROCE) was slightly lower at 5.98%. The financing profit has displayed volatility, with a negative margin recorded in several quarters, peaking at -234 in March 2025. This fluctuation raises concerns over the bank’s operational efficiency and profitability. The net profit margin for March 2025 was 8.84%, a slight increase from 6.14% in March 2024, suggesting that while profitability is on an upward trend, the bank must focus on stabilizing its financing profit to enhance overall efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Punjab & Sind Bank demonstrates significant resilience, with total assets reported at ₹161,815 Cr as of March 2025, up from ₹147,657 Cr in March 2024. The bank’s reserves stood at ₹6,538 Cr as of September 2025, indicating a solid foundation for future growth. However, the bank’s borrowing increased considerably, from ₹9,018 Cr in March 2023 to ₹14,230 Cr in March 2025, which raises concerns about leverage and potential liquidity issues. The price-to-earnings (P/E) ratio of 19.2 falls within a typical range for public sector banks, while the price-to-book value (P/BV) ratio of 2.31 suggests investors are willing to pay a premium for the bank’s equity. The cost-to-income ratio was reported at 61.22% for March 2025, indicating efficient cost management compared to sector averages, which generally hover around 55-60% for well-performing banks.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab & Sind Bank reflects a strong promoter backing of 93.85% as of March 2025, down from 98.25% in previous quarters, indicating a slight dilution of control. The foreign institutional investors (FIIs) hold a minimal stake of 0.16%, while domestic institutional investors (DIIs) have increased their holdings to 4.03%, showcasing growing confidence in the bank’s potential. The public shareholding stood at 1.96%, with the number of shareholders reaching 2,22,120, indicating a broadening investor base. The increase in DII participation suggests a positive outlook among institutional investors, while the decline in promoter holdings could raise questions about long-term strategic direction. Overall, the shareholding pattern underlines investor confidence, but the reliance on a concentrated promoter stake poses risks related to governance and decision-making.
Outlook, Risks, and Final Insight
The outlook for Punjab & Sind Bank appears cautiously optimistic, driven by revenue growth and a solid balance sheet foundation. Key strengths include a robust increase in revenue, improving net profit margins, and strong promoter support. However, risks remain, particularly regarding high borrowing levels and fluctuating financing profits, which could impact overall profitability. The bank must address its operational efficiency to stabilize financing margins and improve return ratios. Additionally, the declining promoter stake may signal shifts in governance that could affect strategic decisions. In light of these factors, a focus on enhancing cost management and diversifying funding sources could be essential for sustaining growth. As the bank navigates these challenges, its ability to adapt will be critical to maintaining investor confidence and achieving long-term stability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Punjab & Sind Bank
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,16,565 Cr. | 153 | 159/101 | 6.30 | 165 | 3.11 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,747 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,01,278 Cr. | 976 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,581 Cr. | 125 | 126/85.5 | 8.43 | 124 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,400 Cr. | 30.2 | 56.3/25.2 | 18.5 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 150,551.46 Cr | 231.34 | 10.49 | 177.23 | 1.87% | 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: November 15, 2025, 4:37 am
| 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 | 12,000 |
| 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 | 8,088 |
| 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 | 4,272 |
| Financing Profit | -121 | -235 | 66 | -377 | -1,112 | -1,702 | -2,366 | -4,206 | 364 | 828 | -134 | -85 | -361 |
| 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 | 1,858 |
| 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 | 1,497 |
| 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 | 1,158 |
| 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 | 1.66 |
| 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: November 9, 2025, 2:46 pm
| 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
| 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
| 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
Unable to fetch valid data for stock valuation.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: 18.5 (Industry average Stock P/E: 10.49)
- 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 28 November 2025) is 20.02 which is 33.71% lower the current market price of 30.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 21,400 Cr. market cap, FY2025-2026 high/low of 56.3/25.2, 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 21,400 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 28 November 2025?
The current stock price of Punjab & Sind Bank as on 28 November 2025 is 30.2.
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 56.3/25.2.
What is the Stock P/E of Punjab & Sind Bank?
The Stock P/E of Punjab & Sind Bank is 18.5.
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 0.23 %.
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.