Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:16 pm
| PEG Ratio | 9.73 |
|---|
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 industry, with a current market capitalization of ₹19,605 Cr and a share price of ₹27.6. The bank reported a steady revenue growth trajectory, with quarterly revenues increasing from ₹2,107 Cr in December 2022 to ₹2,739 Cr in September 2024. The annual revenue for FY 2023 stood at ₹7,993 Cr, with expectations to reach ₹11,481 Cr by FY 2025. This growth reflects a robust recovery from previous years, notably a decline to ₹6,974 Cr in FY 2021. The bank’s revenue generation ability is underpinned by its interest income, which rose from ₹4,444 Cr in FY 2022 to ₹5,019 Cr in FY 2023, and is projected to reach ₹7,698 Cr by FY 2025. Although the bank’s operational performance shows promise, fluctuations in quarterly revenues, particularly the dip from ₹2,931 Cr in December 2024 to ₹2,911 Cr in June 2025, warrant close monitoring as they could influence overall fiscal stability.
Profitability and Efficiency Metrics
Punjab & Sind Bank’s profitability metrics exhibited resilience, with a reported net profit of ₹1,158 Cr for the fiscal year ending March 2025. The bank’s return on equity (ROE) stood at 7.03%, while the return on capital employed (ROCE) recorded 5.98%. Despite these positive indicators, the profitability margins have been challenged; for instance, the financing profit margins fluctuated significantly, peaking at 20% in December 2022 but turning negative by December 2023, indicating potential issues in cost management or revenue generation. The net profit margin for FY 2025 was reported at 8.84%, slightly above the typical sector range but lower than desired. The bank’s cost-to-income ratio at 61.22% reflects efficiency in managing operational costs but suggests room for improvement compared to more efficient peers in the sector. The bank’s ability to stabilize and enhance profitability amidst rising expenses will be crucial for sustaining investor confidence.
Balance Sheet Strength and Financial Ratios
The balance sheet of Punjab & Sind Bank reflects its evolving financial health, with total assets reported at ₹161,815 Cr as of March 2025, up from ₹136,455 Cr in March 2023. The bank’s reserves increased to ₹6,538 Cr, indicating a strengthening capital base. However, the gross non-performing assets (NPA) ratio improved from 8.36% in December 2022 to 2.60% by December 2025, signaling effective asset quality management. The net NPA ratio also showed a favorable decline from 2.02% to 0.74% over the same period, suggesting enhanced credit risk management. Financial ratios such as the price-to-book value (P/BV) stood at 2.31, indicating that the stock may be slightly overvalued compared to its equity. The bank’s financing profit remains a concern, having reported losses in multiple quarters, which could impact future capital adequacy and growth potential. Overall, while the balance sheet displays positive trends, careful scrutiny of asset quality and profitability will be essential moving forward.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab & Sind Bank reveals a high promoter stake of 93.85%, indicating strong control by the founding entities. This is a positive sign for investors, as it suggests long-term commitment from the promoters. Institutional investments are minimal, with foreign institutional investors (FIIs) holding only 0.16% and domestic institutional investors (DIIs) at 4.03%. This limited institutional interest could reflect caution among larger investors regarding the bank’s performance and potential volatility. The total number of shareholders stood at 2,22,120, which indicates a broad base of retail investors. However, the declining trend in promoter holding from 98.25% in March 2023 raises questions about potential dilution of control. The gradual increase in DII holdings to 4.03% as of March 2025 suggests a growing interest from institutional players, which could enhance market perception and stability if sustained. Investor confidence will be crucial in navigating the bank’s growth trajectory and addressing the inherent risks.
Outlook, Risks, and Final Insight
Punjab & Sind Bank is positioned for potential growth, driven by improving revenue trends and asset quality. The bank’s strategic focus on enhancing profitability while managing operational costs will be pivotal. However, risks persist, including fluctuating revenues, reliance on interest income, and a high cost-to-income ratio that could hinder profitability. Additionally, the limited institutional participation may restrict liquidity and market support. Should the bank successfully stabilize its financing margins and further reduce NPAs, it could enhance its appeal to a broader investor base. Conversely, any adverse economic conditions or regulatory changes affecting the banking sector could pose significant risks. Moving forward, the bank’s ability to leverage its strengths and mitigate risks will determine its long-term success and market positioning.
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 | 1,38,153 Cr. | 181 | 183/107 | 7.30 | 172 | 2.62 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,013 Cr. | 28.7 | 40.8/26.8 | 13.8 | 26.5 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 11,00,566 Cr. | 1,192 | 1,204/680 | 13.6 | 641 | 1.33 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,030 Cr. | 121 | 135/85.5 | 7.81 | 130 | 2.40 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,442 Cr. | 27.4 | 50.5/25.2 | 16.0 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 167,606.00 Cr | 252.25 | 10.14 | 183.82 | 1.82% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,107 | 2,105 | 2,316 | 2,406 | 2,491 | 2,481 | 2,652 | 2,739 | 2,931 | 3,159 | 2,911 | 2,999 | 3,042 |
| Interest | 1,302 | 1,421 | 1,578 | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 | 2,056 |
| Expenses | 391 | 638 | 682 | 648 | 920 | 875 | 831 | 924 | 902 | 1,356 | 1,046 | 967 | 1,037 |
| Financing Profit | 414 | 46 | 56 | 27 | -181 | -186 | 19 | -52 | 36 | -234 | -146 | -17 | -51 |
| Financing Margin % | 20% | 2% | 2% | 1% | -7% | -8% | 1% | -2% | 1% | -7% | -5% | -1% | -2% |
| Other Income | 138 | 547 | 179 | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 | 374 | 507 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 552 | 593 | 234 | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 |
| Tax % | 32% | 23% | 35% | 36% | 37% | 39% | 15% | 22% | 25% | 29% | 17% | 18% | 26% |
| Net Profit | 373 | 457 | 153 | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 |
| EPS in Rs | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.44 | 0.38 | 0.42 | 0.47 |
| 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
Below is a detailed analysis of the quarterly data for Punjab & Sind Bank based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 2,056.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,049.00 Cr. (Sep 2025) to 2,056.00 Cr., marking an increase of 7.00 Cr..
- For Expenses, as of Dec 2025, the value is 1,037.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 967.00 Cr. (Sep 2025) to 1,037.00 Cr., marking an increase of 70.00 Cr..
- For Other Income, as of Dec 2025, the value is 507.00 Cr.. The value appears strong and on an upward trend. It has increased from 374.00 Cr. (Sep 2025) to 507.00 Cr., marking an increase of 133.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 456.00 Cr.. The value appears strong and on an upward trend. It has increased from 357.00 Cr. (Sep 2025) to 456.00 Cr., marking an increase of 99.00 Cr..
- For Tax %, as of Dec 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 18.00% (Sep 2025) to 26.00%, marking an increase of 8.00%.
- For Net Profit, as of Dec 2025, the value is 336.00 Cr.. The value appears strong and on an upward trend. It has increased from 295.00 Cr. (Sep 2025) to 336.00 Cr., marking an increase of 41.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.47. The value appears strong and on an upward trend. It has increased from 0.42 (Sep 2025) to 0.47, marking an increase of 0.05.
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: 16 (Industry average Stock P/E: 10.14)
- 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 13 February 2026) is ₹17.97 which is 34.42% lower the current market price of ₹27.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19,442 Cr. market cap, FY2025-2026 high/low of ₹50.5/25.2, 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 19,442 Cr..
What is the current Stock Price of Punjab & Sind Bank as on 13 February 2026?
The current stock price of Punjab & Sind Bank as on 13 February 2026 is ₹27.4.
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 ₹50.5/25.2.
What is the Stock P/E of Punjab & Sind Bank?
The Stock P/E of Punjab & Sind Bank is 16.0.
What is the Book Value of Punjab & Sind Bank?
The Book Value of Punjab & Sind Bank is 19.6.
What is the Dividend Yield of Punjab & Sind Bank?
The Dividend Yield of Punjab & Sind Bank is 0.26 %.
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.