Share Price and Basic Stock Data
Last Updated: August 15, 2025, 8:55 pm
| PEG Ratio | 23.44 |
|---|
Quick Insight
Punjab & Sind Bank's current market price of 28.2 reflects a P/E ratio of 18.2, indicating the market's optimism about future earnings. However, the bank's ROE and ROCE figures at 7.03% and 5.98% respectively suggest relatively lower profitability and capital efficiency. With a high promoter holding of 98.25%, institutional investor interest remains negligible. The bank's reserves stand at a healthy 6,259 Cr., providing a cushion for growth. Despite these strengths, the lack of specific data on operating profit margin, net profit of 1,016 Cr., and absence of key ratios like P/BV and ICR raise concerns about the bank's overall financial health and performance sustainability in the competitive banking sector.
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 | 1,02,932 Cr. | 135 | 159/101 | 5.47 | 149 | 3.52 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,199 Cr. | 28.1 | 53.1/26.8 | 14.1 | 25.5 | 1.39 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 7,62,957 Cr. | 827 | 876/680 | 9.60 | 583 | 1.92 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,22,147 Cr. | 106 | 118/85.5 | 7.35 | 120 | 2.73 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,932 Cr. | 28.1 | 62.0/25.2 | 18.1 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 126,727.15 Cr | 190.10 | 9.59 | 167.05 | 2.20% | 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 1, 2025, 2:05 pm
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: | -5% |
| 5 Years: | 17% |
| 3 Years: | 22% |
| 1 Year: | -52% |
| Return on Equity | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 2% |
| 3 Years: | 7% |
| Last Year: | 7% |
Last Updated: Unknown
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
| 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.) | 1.43 | 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.) | 0.00 | 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.) | 0.00 | 61981941.18 | 52002156.15 | 46499411.53 | 45700617.96 |
| Net Profit / Branches (Rs.) | 0.00 | 3807032.61 | 8542804.16 | 6809007.86 | -17908914.81 |
| Business / Branches (Rs.) | 0.00 | 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 (%) | 33.22 | 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.) | 166082.65 | 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 (%) | 100.00 | 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 1.43. This value is below the healthy minimum of 3. It has increased from 1.10 (Mar 24) to 1.43, marking an increase of 0.33.
- 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 0.00. This value is below the healthy minimum of 1. It has decreased from 0.20 (Mar 24) to 0.00, marking a decrease of 0.20.
- 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 100.00. This value exceeds the healthy maximum of 70. It has increased from 45.36 (Mar 24) to 100.00, marking an increase of 54.64.
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: 9.59)
- 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
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.
| 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 15 August 2025) is ₹19.59 which is 30.28% lower the current market price of ₹28.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19,932 Cr. market cap, FY2025-2026 high/low of ₹62.0/25.2, 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 19,932 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 15 August 2025?
The current stock price of Punjab & Sind Bank as on 15 August 2025 is 28.1.
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 62.0/25.2.
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 0.25 %.
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.