Share Price and Basic Stock Data
Last Updated: January 9, 2026, 3:47 am
| PEG Ratio | 10.34 |
|---|
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 domain and is characterized by its consistent revenue growth. The bank reported a total revenue of ₹7,993 Cr for the fiscal year ending March 2023, marking an increase from ₹7,096 Cr in the previous fiscal year. The upward trend continued with revenue standing at ₹9,694 Cr for FY 2024 and projected to rise to ₹11,481 Cr for FY 2025. Quarterly revenue figures also reflected positive momentum, rising from ₹1,980 Cr in September 2022 to ₹2,406 Cr by September 2023. The steady increase in revenue indicates the bank’s ability to enhance its operational performance, likely driven by improved customer acquisition and retention strategies. Furthermore, the bank’s interest income has also shown an upward trajectory, with a reported figure of ₹5,019 Cr in FY 2023, which is expected to reach ₹7,698 Cr in FY 2025. Overall, Punjab & Sind Bank appears well-positioned to capitalize on growth opportunities within the Indian banking sector.
Profitability and Efficiency Metrics
The profitability of Punjab & Sind Bank is highlighted by its net profit of ₹1,158 Cr for FY 2023, a significant recovery from previous years marked by losses. The bank’s net profit margin stood at 8.84% for FY 2025, reflecting improved efficiency in converting revenue into profit. The reported return on equity (ROE) was 7.03%, which demonstrates a solid return on shareholder investments, although it remains lower than the sector average of around 10-12%. The return on capital employed (ROCE) was recorded at 5.98%, indicating how effectively the bank utilizes its capital. The bank’s cost-to-income ratio has improved to 61.22% in FY 2025, down from 72.16% in FY 2024, suggesting enhanced operational efficiency. However, the financing profit has fluctuated significantly, with a negative figure of ₹-181 Cr reported in December 2023, highlighting potential challenges in maintaining consistent profitability in certain quarters.
Balance Sheet Strength and Financial Ratios
Punjab & Sind Bank’s balance sheet showcases significant growth in total assets, which rose to ₹165,342 Cr by September 2025 from ₹136,455 Cr in the previous year. The bank’s equity capital was reported at ₹7,096 Cr for FY 2025, alongside reserves amounting to ₹6,538 Cr, reflecting a strong capital position. Despite the robust asset growth, the bank’s gross non-performing assets (NPA) ratio has shown a declining trend, from 9.67% in September 2022 to 2.92% by September 2025, indicating improved asset quality and effective risk management practices. The net NPA percentage also decreased to 0.83%, further emphasizing the bank’s ability to manage credit risk. However, the price-to-book value ratio stood at 2.31, suggesting that the stock may be overvalued compared to its book value, which could be a concern for potential investors. Overall, while the bank’s balance sheet appears strong, monitoring asset quality remains crucial.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab & Sind Bank indicates a high level of promoter confidence, with promoters holding 93.85% of the total shares as of March 2025. This substantial stake reflects a commitment to the bank’s long-term growth strategy. On the other hand, foreign institutional investors (FIIs) hold a mere 0.16% of the shares, which may suggest limited confidence from international investors regarding the bank’s prospects. Domestic institutional investors (DIIs) have increased their stake to 4.03%, showing a slight uptick in local institutional interest. The total number of shareholders has risen to 222,120, indicating growing retail investor participation. This increase in shareholder base may signal a positive outlook among retail investors, contributing to overall liquidity. However, the low foreign investment could be a concern, as it may limit the bank’s access to international capital markets and broader investor diversification.
Outlook, Risks, and Final Insight
Punjab & Sind Bank’s outlook appears cautiously optimistic, bolstered by its revenue growth, improving asset quality, and strong promoter backing. However, the bank faces several risks, including potential fluctuations in financing profits and the challenges posed by a competitive banking environment in India. Additionally, the low level of foreign institutional investment may hinder the bank’s ability to attract global capital. The bank’s performance in the upcoming quarters will be pivotal, particularly in maintaining profitability and managing NPAs effectively. Should the bank continue its positive trajectory in revenue and profitability while controlling costs, it may enhance shareholder value significantly. Conversely, any deterioration in asset quality or failure to sustain revenue growth could pose challenges. Overall, while Punjab & Sind Bank exhibits several strengths, ongoing vigilance regarding its operational and financial strategies will be essential for sustained success.
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 | 1,23,252 Cr. | 161 | 167/101 | 6.67 | 165 | 2.94 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,641 Cr. | 29.2 | 46.3/26.8 | 14.6 | 25.9 | 1.33 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,21,216 Cr. | 998 | 1,024/680 | 11.7 | 617 | 1.59 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,145 Cr. | 123 | 128/85.5 | 8.29 | 124 | 2.36 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,740 Cr. | 27.8 | 52.0/25.2 | 17.0 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 151,866.15 Cr | 231.07 | 10.24 | 177.23 | 1.86% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,980 | 2,107 | 2,105 | 2,316 | 2,406 | 2,491 | 2,481 | 2,652 | 2,739 | 2,931 | 3,159 | 2,911 | 2,999 |
| Interest | 1,205 | 1,302 | 1,421 | 1,578 | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 |
| Expenses | 723 | 391 | 638 | 682 | 648 | 920 | 875 | 831 | 924 | 902 | 1,356 | 1,046 | 967 |
| Financing Profit | 52 | 414 | 46 | 56 | 27 | -181 | -186 | 19 | -52 | 36 | -234 | -146 | -17 |
| Financing Margin % | 3% | 20% | 2% | 2% | 1% | -7% | -8% | 1% | -2% | 1% | -7% | -5% | -1% |
| Other Income | 140 | 138 | 547 | 179 | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 | 374 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 193 | 552 | 593 | 234 | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 |
| Tax % | -44% | 32% | 23% | 35% | 36% | 37% | 39% | 15% | 22% | 25% | 29% | 17% | 18% |
| Net Profit | 278 | 373 | 457 | 153 | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 |
| EPS in Rs | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.44 | 0.38 | 0.42 |
| Gross NPA % | 9.67% | 8.36% | 6.97% | 6.80% | 6.23% | 5.70% | 5.43% | 4.72% | 4.21% | 3.83% | 3.38% | 3.34% | 2.92% |
| Net NPA % | 2.24% | 2.02% | 1.84% | 1.95% | 1.88% | 1.80% | 1.63% | 1.59% | 1.46% | 1.25% | 0.96% | 0.91% | 0.83% |
Last Updated: December 29, 2025, 11:35 am
Below is a detailed analysis of the quarterly data for Punjab & Sind Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 2,049.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,010.00 Cr. (Jun 2025) to 2,049.00 Cr., marking an increase of 39.00 Cr..
- For Expenses, as of Sep 2025, the value is 967.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,046.00 Cr. (Jun 2025) to 967.00 Cr., marking a decrease of 79.00 Cr..
- For Other Income, as of Sep 2025, the value is 374.00 Cr.. The value appears to be declining and may need further review. It has decreased from 469.00 Cr. (Jun 2025) to 374.00 Cr., marking a decrease of 95.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 357.00 Cr.. The value appears strong and on an upward trend. It has increased from 323.00 Cr. (Jun 2025) to 357.00 Cr., marking an increase of 34.00 Cr..
- For Tax %, as of Sep 2025, the value is 18.00%. The value appears to be increasing, which may not be favorable. It has increased from 17.00% (Jun 2025) to 18.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 295.00 Cr.. The value appears strong and on an upward trend. It has increased from 269.00 Cr. (Jun 2025) to 295.00 Cr., marking an increase of 26.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.42. The value appears strong and on an upward trend. It has increased from 0.38 (Jun 2025) to 0.42, marking an increase of 0.04.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:46 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: 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
| 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
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: 10.24)
- 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 | Contact not found |
| 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 08 January 2026) is ₹18.40 which is 33.81% lower the current market price of ₹27.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19,740 Cr. market cap, FY2025-2026 high/low of ₹52.0/25.2, 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 19,740 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 08 January 2026?
The current stock price of Punjab & Sind Bank as on 08 January 2026 is ₹27.8.
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 ₹52.0/25.2.
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.