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Last Updated: April 2, 2026, 3:32 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533295 | NSE: PSB

Punjab & Sind Bank: Intrinsic Value & Share Price Analysis

Fair Value

₹14.27Overvalued by 35.14%vs CMP ₹22.00

P/E (12.9) × ROE (7.0%) × BV (₹19.60) × DY (0.32%)

₹16.87Overvalued by 23.32%vs CMP ₹22.00
MoS: -30.4% (Negative)Confidence: 50/100 (Moderate)Models: 1 Under, 1 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹14.5926%Over (-33.7%)
Graham NumberEarnings₹27.4619%Under (+24.8%)
Earnings PowerEarnings₹11.6713%Over (-47%)
DCFCash Flow₹20.6216%Fair (-6.3%)
Net Asset ValueAssets₹19.198%Over (-12.8%)
EV/EBITDAEnterprise₹2.0410%Over (-90.7%)
Earnings YieldEarnings₹17.108%Over (-22.3%)
Consensus (7 models)₹16.87100%Overvalued
Key Drivers: Wide model spread (₹2–₹27) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 2.2%

*Investments are subject to market risks

Investment Snapshot

53
Punjab & Sind Bank scores 53/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health53/100 · Moderate
ROCE 6.0% WeakROE 7.0% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 93.9% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +44% YoY Strong
Industry Rank40/100 · Moderate
P/E 12.9 vs industry 8.7 In-lineROCE 6.0% vs industry 6.2% AverageROE 7.0% vs industry 14.3% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Punjab & Sind Bank Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
30/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 12.9 vs Ind 8.7 | ROCE 6.0% | ROE 7.0% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 0.00x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹1,016 Cr | CFO/NP N/A
Ownership Accumulation
-50
Distribution
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII 0.00 pp | DII -0.03 pp | Prom 0.00 pp
Business Momentum
+17
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +13.9% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-23.3%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change0.00 ppLatest FII% minus previous FII%
DII Change-0.03 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change+295Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+13.9%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:32 am

Market Cap 15,632 Cr.
Current Price 22.0
Intrinsic Value₹16.87
High / Low 34.4/20.5
Stock P/E12.9
Book Value 19.6
Dividend Yield0.32 %
ROCE5.98 %
ROE7.03 %
Face Value 10.0
PEG Ratio5.73

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Punjab & Sind Bank

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Punjab & Sind Bank 15,632 Cr. 22.0 34.4/20.512.9 19.60.32 %5.98 %7.03 % 10.0
UCO Bank 29,694 Cr. 23.7 35.1/22.211.3 26.51.65 %5.76 %8.38 % 10.0
Central Bank of India 29,942 Cr. 33.1 41.2/31.36.20 43.61.81 %5.48 %11.4 % 10.0
Bank of Maharashtra 49,903 Cr. 64.9 77.0/38.17.71 43.42.31 %5.72 %22.8 % 10.0
Indian Overseas Bank 62,411 Cr. 32.4 42.8/31.213.1 18.80.00 %5.95 %11.0 % 10.0
Industry Average144,637.54 Cr226.678.69183.822.11%6.22%14.34%7.46

All Competitor Stocks of Punjab & Sind Bank

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue2,1072,1052,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,042
Interest 1,3021,4211,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,056
Expenses 3916386826489208758319249021,3561,0469671,037
Financing Profit414465627-181-18619-5236-234-146-17-51
Financing Margin %20%2%2%1%-7%-8%1%-2%1%-7%-5%-1%-2%
Other Income 138547179268362413194359338677469374507
Depreciation 0000000000000
Profit before tax 552593234295181227213307375442323357456
Tax % 32%23%35%36%37%39%15%22%25%29%17%18%26%
Net Profit 373457153189114139182240282313269295336
EPS in Rs 0.550.670.230.280.170.210.270.350.420.440.380.420.47
Gross NPA %8.36%6.97%6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%
Net NPA %2.02%1.84%1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%

Last Updated: February 4, 2026, 12:16 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 12:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7,9738,5898,7448,1737,9498,5597,9306,9747,0967,9939,69411,48112,110
Interest 6,3526,9096,5696,0145,7146,2795,8724,7124,4445,0196,8537,6988,152
Expenses 1,7421,9152,1102,5363,3473,9814,4236,4682,2872,1452,9753,8694,407
Financing Profit-121-23566-377-1,112-1,702-2,366-4,206364828-134-85-448
Financing Margin %-2%-3%1%-5%-14%-20%-30%-60%5%10%-1%-1%-4%
Other Income 4274294785785818288979049599401,2211,5682,027
Depreciation 604646064-15541021371481501450
Profit before tax 246147498201-595-859-1,522-3,4041,1871,6209371,3381,579
Tax % -22%18%33%0%25%-37%-35%-20%12%19%36%24%
Net Profit 301121336201-744-543-991-2,7331,0391,3135951,0161,213
EPS in Rs 10.923.038.395.02-13.17-9.62-14.13-6.741.531.940.881.431.71
Dividend Payout % 20%20%20%0%0%0%0%0%20%25%23%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 2754004004005655657014,0536,7786,7786,7787,0967,096
Reserves 4,5365,1965,5705,7425,6185,1364,8954,3107,2338,3318,7566,2596,538
Deposits86,25588,04091,25085,540101,72698,55889,66896,108102,137109,665119,410129,774135,706
Borrowing9801,7232,8392,9583,6832,7143,2132,6442,4449,0189,77114,23012,536
Other Liabilities 2,4632,3942,5222,0022,1672,0092,0273,3672,4762,6622,9434,4573,465
Total Liabilities 94,50997,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815165,342
Fixed Assets 1,0039951,1331,0951,0831,2301,2411,5851,5771,5191,7561,7791,766
CWIP 0000000000000
Investments 28,29424,00727,64527,94832,98226,17324,55232,02342,28144,83849,59946,91248,573
Other Assets 65,21272,75273,80367,60079,69581,57974,71176,87477,20990,09796,302113,124115,003
Total Assets 94,50997,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815165,342

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 2,469-1,982930-4951,063-972,210-5,848-5,9991,4281,746-2,294
Cash from Investing Activity + -58-84-38-33-51-61-63-446-121-88-229-168
Cash from Financing Activity + -165-39-2092161,531-3568145,0554,068-1,332-4313,898
Net Cash Flow 2,246-2,105683-3132,543-5142,960-1,239-2,05181,0861,437
Free Cash Flow 2,411-2,066892-5291,012-1582,147-6,294-6,1191,3401,518-2,461
CFO/OP 40%-30%14%-9%28%3%73%-1,111%-142%27%31%-39%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 7%2%6%3%-12%-9%-18%-39%9%9%4%7%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%93.85%93.85%93.85%93.85%
FIIs 0.01%0.00%0.03%0.01%0.02%0.00%0.00%0.00%0.73%0.25%0.16%0.16%
DIIs 0.67%0.66%0.68%0.65%0.65%0.65%0.65%0.65%4.32%4.08%4.03%4.00%
Public 1.07%1.10%1.05%1.09%1.09%1.11%1.11%1.10%1.11%1.82%1.96%1.99%
No. of Shareholders 1,46,9681,45,3851,55,1151,56,1091,84,6791,91,4451,99,3511,99,1331,99,8212,22,2342,22,1202,22,415

Shareholding Pattern Chart

No. of Shareholders

Punjab & Sind Bank: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India ETF Nifty PSU Bank BeES 1,138,296 0.29 7.541,138,2962025-04-22 15:56:540%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 1.500.881.942.56-35.71
Diluted EPS (Rs.) 1.500.881.942.56-35.71
Cash EPS (Rs.) 1.641.102.161.74-6.49
Book Value[Excl.RevalReserv]/Share (Rs.) 18.8222.9222.2920.6720.64
Book Value[Incl.RevalReserv]/Share (Rs.) 18.8222.9222.2920.6720.64
Dividend / Share (Rs.) 0.070.200.480.310.00
Operating Revenue / Share (Rs.)16.1814.3011.7910.4717.21
Net Profit / Share (Rs.) 1.430.871.941.53-6.74
Interest Income / Employee (Rs.)0.000.000.008123423.247896189.20
Net Profit / Employee (Rs.)0.000.000.001189530.17-3094316.58
Business / Employee (Rs.)0.000.000.00189769405.95177819159.65
Interest Income / Branch (Rs.)71312424.2261981941.1852002156.1546499411.5345700617.96
Net Profit / Branches (Rs.)6309508.703807032.618542804.166809007.86-17908914.81
Business / Branches (Rs.)1410397042.241292493161.761213304612.231086261966.581029160431.19
Net Profit Margin (%) 8.846.1416.4214.64-39.18
Operating Profit Margin (%)18.9814.6533.5528.77-86.35
Return On Assets (%) 0.620.400.960.85-2.47
Return On Equity / Networth (%)7.603.838.697.41-32.67
Net Interest Margin (X)2.331.922.172.182.04
Cost To Income (%)61.2272.1662.9463.1675.63
Interest Income / Total Assets (%)7.096.565.855.866.31
Non-Interest Income / Total Assets (%)0.960.820.680.790.81
Operating Profit / Total Assets (%)-0.34-0.420.270.06-3.29
Operating Expenses / Total Assets (%)2.021.981.801.882.16
Interest Expenses / Total Assets (%)4.754.643.673.674.26
Enterprise Value (Rs.Cr.)166082.63162358.44129863.83108913.0998675.91
EV Per Net Sales (X)14.4716.7516.2515.3514.15
Price To Book Value (X)2.312.611.150.740.85
Price To Sales (X)2.694.182.181.481.02
Retention Ratios (%) 86.6545.3683.99100.00100.00
Earnings Yield (X)0.030.010.070.09-0.38

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Punjab & Sind Bank is a Public Limited Listed company incorporated on 24/06/1908 and registered in the State of New Delhi, India. Company presently involved in the business activities of Banking Business.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public SectorBank House, New Delhi Delhi 110008Contact not found
Management
NamePosition Held
Mr. Swarup Kumar SahaManaging Director & CEO
Mr. Ravi MehraExecutive Director
Mr. RajeevaExecutive Director
Mr. Shankar Lal AgarwalPart Time Non Official Director
Mr. Rajendra Prasad GuptaShareholder Director
Ms. M G JayasreeGovernment Nominee Director
Mr. Vivek SrivastavaNominee Director

FAQ

What is the intrinsic value of Punjab & Sind Bank and is it undervalued?

As of 05 April 2026, Punjab & Sind Bank's intrinsic value is ₹16.87, which is 23.32% lower than the current market price of ₹22.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (7.03 %), book value (₹19.6), dividend yield (0.32 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Punjab & Sind Bank?

Punjab & Sind Bank is trading at ₹22.00 as of 05 April 2026, with a FY2026-2027 high of ₹34.4 and low of ₹20.5. The stock is currently near its 52-week low. Market cap stands at ₹15,632 Cr..

How does Punjab & Sind Bank's P/E ratio compare to its industry?

Punjab & Sind Bank has a P/E ratio of 12.9, which is above the industry average of 8.69. The premium over industry average may reflect growth expectations or speculative interest.

Is Punjab & Sind Bank financially healthy?

Key indicators for Punjab & Sind Bank: ROCE of 5.98 % is on the lower side compared to the industry average of 6.22%; ROE of 7.03 % is below ideal levels (industry average: 14.34%). Dividend yield is 0.32 %.

Is Punjab & Sind Bank profitable and how is the profit trend?

Punjab & Sind Bank reported a net profit of ₹1,016 Cr in Mar 2025 on revenue of ₹11,481 Cr. Compared to ₹1,039 Cr in Mar 2022, the net profit shows a declining trend.

Does Punjab & Sind Bank pay dividends?

Punjab & Sind Bank has a dividend yield of 0.32 % at the current price of ₹22.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Punjab & Sind Bank. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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