Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:21 pm
| PEG Ratio | 23.44 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Punjab & Sind Bank operates in the public sector banking space, with a market capitalization of ₹21,187 Cr and a share price of ₹29.8. The bank reported a revenue of ₹7,993 Cr for the fiscal year 2023, demonstrating a significant increase from ₹7,096 Cr in FY 2022. Revenue trends show a consistent upward trajectory, with quarterly revenues rising from ₹1,800 Cr in June 2022 to ₹2,406 Cr by September 2023. The bank’s revenue is anticipated to reach ₹9,694 Cr in FY 2024 and ₹11,481 Cr in FY 2025, indicating a robust growth strategy. This growth is driven by an increase in interest income, which rose from ₹4,444 Cr in FY 2022 to ₹5,019 Cr in FY 2023. However, expenses also increased, standing at ₹2,145 Cr in FY 2023, up from ₹2,287 Cr the previous year, suggesting that managing operating costs will be crucial as revenue grows.
Profitability and Efficiency Metrics
The profitability metrics of Punjab & Sind Bank illustrate a bank striving for efficiency amidst challenges. The net profit for FY 2023 was reported at ₹1,016 Cr, a notable recovery from the losses of previous years, as the bank recorded a net profit of ₹1,039 Cr in FY 2022. The return on equity (ROE) stood at 7.03%, while the return on capital employed (ROCE) was slightly lower at 5.98%. The bank’s net profit margin for the latest fiscal year was recorded at 8.84%, indicating reasonable profitability but below the sector average. The financing margin has faced volatility, with negative figures recorded in recent quarters, underscoring the importance of optimizing interest income relative to expenses. Additionally, the gross NPA ratio has improved from 11.34% in June 2022 to 3.34% by June 2025, suggesting enhanced asset quality management.
Balance Sheet Strength and Financial Ratios
Punjab & Sind Bank’s balance sheet reflects a blend of resilience and areas that require attention. As of FY 2025, the total assets stood at ₹161,815 Cr, an increase from ₹136,455 Cr in FY 2023. The bank’s reserves were recorded at ₹6,259 Cr, while borrowings rose significantly to ₹14,230 Cr, indicating a reliance on external funding sources. The debt-to-equity ratio, while not explicitly provided, can be inferred as high given the substantial borrowings compared to equity capital of ₹7,096 Cr. The price-to-book value ratio was reported at 2.31, suggesting that the market values the bank at a premium to its book value, which could indicate investor confidence. The cost-to-income ratio of 33.22% in FY 2025 demonstrates improved operational efficiency compared to the previous years, emphasizing the bank’s ability to manage costs relative to income.
Shareholding Pattern and Investor Confidence
The shareholding structure of Punjab & Sind Bank indicates a strong promoter presence, with promoters holding 93.85% of the total shares as of March 2025, down from 98.25% in previous quarters. This reduction may signal a gradual opening to external investors. Foreign institutional investors (FIIs) accounted for 0.25% of the shareholding, while domestic institutional investors (DIIs) held 4.08%, reflecting limited foreign interest but a modest domestic institutional presence. The total number of shareholders has risen to 2,22,234, showcasing an increase in retail participation. The bank’s dividends have been inconsistent, with a payout ratio dropping to 5% in FY 2025. This conservative approach to dividends may affect investor sentiment, especially if profitability continues to improve.
Outlook, Risks, and Final Insight
If Punjab & Sind Bank maintains its current trajectory of revenue growth and manages to improve operational efficiencies, it could see enhanced profitability metrics in the coming fiscal periods. However, the bank faces risks related to its high levels of borrowings and the potential for further fluctuations in financing margins. Additionally, the ongoing improvements in asset quality must be sustained to ensure that NPAs do not rise again. The reliance on external borrowings could pose liquidity risks if market conditions change. Furthermore, while the reduction in promoter shareholding might attract more institutional investors, it could also lead to volatility if not managed carefully. Overall, if the bank can leverage its strong revenue growth while addressing its operational challenges, it might strengthen its position in the competitive public sector banking landscape.
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 | 1,04,344 Cr. | 137 | 159/101 | 5.55 | 149 | 3.48 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,735 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,20,740 Cr. | 889 | 895/680 | 10.3 | 583 | 1.79 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,30,675 Cr. | 114 | 118/85.5 | 7.67 | 124 | 2.55 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,003 Cr. | 29.6 | 56.3/25.2 | 18.1 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 136,790.31 Cr | 209.15 | 9.80 | 171.77 | 2.04% | 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: May 13, 2025, 2:52 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 275 | 400 | 400 | 400 | 565 | 565 | 701 | 4,053 | 6,778 | 6,778 | 6,778 | 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 |
| 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 |
| Borrowing | 980 | 1,723 | 2,839 | 2,958 | 3,683 | 2,714 | 3,213 | 2,644 | 2,444 | 9,018 | 9,771 | 14,230 |
| 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 |
| 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 |
| 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 |
| CWIP | 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Punjab & Sind Bank based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 7,096.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,778.00 Cr. (Mar 2024) to 7,096.00 Cr., marking an increase of 318.00 Cr..
- For Reserves, as of Mar 2025, the value is 6,259.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8,756.00 Cr. (Mar 2024) to 6,259.00 Cr., marking a decrease of 2,497.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 4,457.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,943.00 Cr. (Mar 2024) to 4,457.00 Cr., marking an increase of 1,514.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 161,815.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 147,657.00 Cr. (Mar 2024) to 161,815.00 Cr., marking an increase of 14,158.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,779.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,756.00 Cr. (Mar 2024) to 1,779.00 Cr., marking an increase of 23.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 46,912.00 Cr.. The value appears to be declining and may need further review. It has decreased from 49,599.00 Cr. (Mar 2024) to 46,912.00 Cr., marking a decrease of 2,687.00 Cr..
- For Other Assets, as of Mar 2025, the value is 113,124.00 Cr.. The value appears strong and on an upward trend. It has increased from 96,302.00 Cr. (Mar 2024) to 113,124.00 Cr., marking an increase of 16,822.00 Cr..
- For Total Assets, as of Mar 2025, the value is 161,815.00 Cr.. The value appears strong and on an upward trend. It has increased from 147,657.00 Cr. (Mar 2024) to 161,815.00 Cr., marking an increase of 14,158.00 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
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: 18.1 (Industry average Stock P/E: 9.8)
- 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 19 October 2025) is 19.59 which is 33.82% lower the current market price of 29.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 21,003 Cr. market cap, FY2025-2026 high/low of 56.3/25.2, reserves of ₹6,259 Cr, and liabilities of 161,815 Cr.
What is the Market Cap of Punjab & Sind Bank?
The Market Cap of Punjab & Sind Bank is 21,003 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 19 October 2025?
The current stock price of Punjab & Sind Bank as on 19 October 2025 is 29.6.
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 18.1.
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 0.24 %.
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.