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Punjab & Sind Bank Financial Statements & Historical Data

Updated NSE: PSBBSE: 533295
Report details
Last Updated:
Author: |Social: XLinkedIn
COMPANY FINANCIAL DATA

Reported figures at a glance

Stored figures, not live quotes. Price record: 2 October 2026, 9:19 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price21.0₹ per share
Reported P/E10.7Times
Book value per share20.6₹ per share
Reported ROCE5.95 %%
Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

Stored market and accounting figures

Price record: 2 October 2026, 9:19 pm +05:30. Not a live quote.

MeasureStored figure
Market Cap14,872 Cr.
Current Price21.0
High / Low32.5/20.5
Stock P/E10.7
Book Value20.6
Dividend Yield1.86 %
ROCE5.95 %
ROE9.62 %
Face Value10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Punjab & Sind Bank 14,872 Cr. 21.0 32.5/20.510.7 20.61.86 %5.95 %9.62 % 10.0
Central Bank of India 27,154 Cr. 30.0 40.9/29.35.95 45.24.00 %5.64 %11.9 % 10.0
UCO Bank 28,753 Cr. 22.9 34.2/22.210.2 27.11.92 %5.55 %8.61 % 10.0
Indian Overseas Bank 58,502 Cr. 30.4 41.8/30.110.2 20.50.00 %6.07 %14.9 % 10.0
Bank of India 58,948 Cr. 129 178/1225.00 2003.59 %5.93 %12.4 % 10.0
Industry Average139,335.08 Cr213.427.83192.432.40%6.01%14.03%7.46

All Competitor Stocks of Punjab & Sind Bank

FINANCIALS

Quarterly performance

Compare sales, expenses, operating profit and net profit on one chart, across the same reporting quarters.

Sales, expenses & profits

₹ crore

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Chart loads as you scroll. Values are available in the table.

All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue2,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,0423,0303,213
Interest 1,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,0552,175
Expenses 6826489208758319249021,3561,0469671,037787920
Financing Profit5627-181-18619-5236-234-146-17-51188119
Financing Margin %2%1%-7%-8%1%-2%1%-7%-5%-1%-2%6%4%
Other Income 179268362413194359338677469374507427332
Depreciation 0000000000000
Profit before tax 234295181227213307375442323357456615451
Tax % 35%36%37%39%15%22%25%29%17%18%26%31%27%
Net Profit 153189114139182240282313269295336422332
EPS in Rs 0.230.280.170.210.270.350.420.440.380.420.470.590.47
Gross NPA %6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%2.40%2.21%
Net NPA %1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%0.79%0.65%

Last Updated: September 29, 2026, 6:11 pm

FINANCIALS

Annual performance

Compare sales, expenses, operating profit and net profit across financial years. Trailing figures remain in the table.

Sales, expenses & profits

₹ crore

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All reported periods

Earnings per share

₹ per share

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: September 26, 2026, 9:07 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue7,9738,5898,7448,1737,9498,5597,9306,9747,0967,9939,69411,48111,98212,284
Interest 6,3526,9096,5696,0145,7146,2795,8724,7124,4445,0196,8537,6988,1708,335
Expenses 1,7421,9152,1102,5363,3473,9814,4236,4682,2872,1452,9753,8693,6603,710
Financing Profit-121-23566-377-1,112-1,702-2,366-4,206364828-134-85152239
Financing Margin %-2%-3%1%-5%-14%-20%-30%-60%5%10%-1%-1%1%2%
Other Income 4274294785785818288979049599401,2211,5681,7781,641
Depreciation 604646064-15541021371481501451770
Profit before tax 246147498201-595-859-1,522-3,4041,1871,6209371,3381,7521,881
Tax % -22%18%33%0%25%-37%-35%-20%12%19%36%24%25%
Net Profit 301121336201-744-543-991-2,7331,0391,3135951,0161,3221,384
EPS in Rs 10.923.038.395.02-13.17-9.62-14.13-6.741.531.940.881.431.861.95
Dividend Payout % 20%20%20%0%0%0%0%0%20%25%23%5%21%

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-20252025-2026
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%30.12%
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%-40.64%

Punjab & Sind Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 12 years from 2014-2015 to 2025-2026.

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

FINANCIALS

Balance sheet

Compare reserves and borrowings across the same financial years. Reserves are an accounting balance, not available cash.

Reserves & borrowings

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: July 15, 2026, 4:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 4004004005655657014,0536,7786,7786,7787,0967,096
Reserves 5,1965,5705,7425,6185,1364,8954,3107,2338,3318,7566,2597,037
Deposits88,04091,25085,540101,72698,55889,66896,108102,137109,665119,410129,774145,829
Borrowing1,7232,8392,9583,6832,7143,2132,6442,4449,0189,77114,23016,352
Other Liabilities 2,3942,5222,0022,1672,0092,0273,3672,4762,6622,9434,4572,957
Total Liabilities 97,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815179,270
Fixed Assets 9951,1331,0951,0831,2301,2411,5851,5771,5191,7561,7981,862
CWIP 000000000000
Investments 24,00727,64527,94832,98226,17324,55232,02342,28144,83849,59946,91249,388
Other Assets 72,75273,80367,60079,69581,57974,71176,87477,20990,09796,302113,105128,020
Total Assets 97,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815179,270
FINANCIALS

Cash generation

Compare operating cash and free cash flow across reported periods. Negative values remain visible.

Operating & free cash flow

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Cash Flows

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -1,982930-4951,063-972,210-5,848-5,9991,4281,746-2,294-1,893
Cash from Investing Activity + -84-38-33-51-61-63-446-121-88-229-168-241
Cash from Financing Activity + -39-2092161,531-3568145,0554,068-1,332-4313,898-387
Net Cash Flow -2,105683-3132,543-5142,960-1,239-2,05181,0861,437-2,521
Free Cash Flow -2,066892-5291,012-1582,147-6,294-6,1191,3401,518-2,461-2,134
CFO/OP -30%14%-9%28%3%73%-1,111%-142%27%31%-39%-19%
Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
PeriodMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Free Cash Flow-2,066.00892.00-529.001,012.00-158.002,147.00-6,294.00-6,119.001,340.001,518.00-2,461.00-2,134.00

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

Financial efficiency feed. Source: www.screener.in. Check the source for the accounting basis. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Financial & business efficiency

Compare collection, inventory, payment and working-capital cycles together in days. Returns on capital and equity follow in a separate percentage chart.

Returns on capital & equity

%

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Financial Efficiency Data Table

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

Ownership trends

Compare ownership groups across the same reporting dates. Shareholder counts appear separately below.

Shareholding comparison

%

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All reported periods

Shareholder count

Shareholders

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Shareholding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 98.25%98.25%98.25%98.25%98.25%98.25%93.85%93.85%93.85%93.85%93.85%93.85%
FIIs 0.03%0.01%0.02%0.00%0.00%0.00%0.73%0.25%0.16%0.16%0.15%0.14%
DIIs 0.68%0.65%0.65%0.65%0.65%0.65%4.32%4.08%4.03%4.00%3.90%3.81%
Public 1.05%1.09%1.09%1.11%1.11%1.10%1.11%1.82%1.96%1.99%2.09%2.21%
No. of Shareholders 1,55,1151,56,1091,84,6791,91,4451,99,3511,99,1331,99,8212,22,2342,22,1202,22,4152,22,3012,21,849
Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

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

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Ratios from the alternate data feed

Related measures share a chart and a common unit. Use the dated figures below to examine any change.

Profitability ratios

%

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Key Financial Ratios

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