Punjab & Sind Bank
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Punjab & Sind Bank share price

Punjab & Sind Bank

NSE: PSB BSE: 533295 SECTOR: Bank - Public  84k   179   40

31.51
-0.42 (-1.32%)
BSE: 13 Jun 04:01 PM

Price Summary

Today's High

₹ 31.62

Today's Low

₹ 30.95

52 Week High

₹ 73.62

52 Week Low

₹ 25.29

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 22358.19 Cr.

CASA %

32.42

No. of Shares

709.56 Cr.

P/E

22.01

P/B

1.82

Face Value

₹ 10

Div. Yield

0.22 %

Book Value (TTM)

₹  17.32

Net Interest Income

₹ 2841.04 Cr.

Cost To Income %

72.16

Promoter Holding

93.85 %

EPS (TTM)

₹  1.43

CAR %

17.16

ROE

4.15 %

ROCE

5.98%

Profit Growth

-54.65 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year4.15%
3 Year7.97%
5 Year-8.44%

ROA%

1 Year0.42%
3 Year0.78%
5 Year-0.24%

Net NPA%

1 Year1.63%
3 Year2.07%
5 Year3.66%

 NIM

1 Year2.03%
3 Year2.24%
5 Year2.24%

CAR %

17.16

Cost of Liabilities %

5.3049

PEG Ratio

NA

Advances Growth %

7.7024

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 93.85 0.00
Dec 2024 98.25 0.00
Sep 2024 98.25 0.00
Jun 2024 98.25 0.00
Mar 2024 98.25 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.16%.
  • The company has delivered good Profit growth of 30.4103612181193% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.778759907921582%
  • CASA Growth of -1.17039999999999% YoY, which is very low.
  • Company has a low ROE of 7.96607043537947% over the last 3 years.
  • High Cost to income ratio of 72.1616%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 2481.27 2652.27 2738.95 2931.14 3158.94
Other Income 412.95 193.75 358.91 338.23 676.76
Interest Expended 1791.95 1802.24 1866.1 1992.38 2036.92
Operating Expenses 765.92 727.18 773.81 793.01 982.39
Total Provisions 109.56 103.38 150.64 109.33 374.02
Profit Before Tax 226.79 213.22 307.31 374.65 442.37
Tax 87.44 31.72 67.72 92.69 129.59
Net Profit 139.35 181.5 239.59 281.96 312.78
Net NPA % 1.63 1.59 1.46 1.25 0.96
Gross NPA % 5.43 4.72 4.21 3.83 3.38
Return on Assets % 0.38 0.5 0.65 0.73 0.79
NPM % 5.62 6.84 8.75 9.62 9.9

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 7929.53 6973.91 7095.81 7992.73 9693.98
Other Income 897.4 903.61 959.38 939.96 1221.47
Interest Expended 5871.98 4712 4444.5 5019.35 6852.93
Operating Expenses 1858.03 2393.5 2280.6 2463.4 2931.57
Total Provisions 2619.27 4176.27 143.41 -169.91 193.96
Profit Before Tax -1522.36 -3404.24 1186.68 1619.85 936.98
Taxes -531.56 -671.34 147.63 306.82 341.56
Net Profit -990.8 -2732.9 1039.05 1313.03 595.42
Adjusted EPS (Rs.) -14.13 -6.74 1.53 1.94 0.88

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 701.05 4052.67 6777.79 6777.79 6777.79
Total Reserves 4895.34 4310.35 7232.8 8330.72 8755.64
Deposits 89667.55 96108.18 102137.01 109665.49 119409.55
Borrowings 3213.05 2643.55 2443.63 9018.38 9770.86
Other Liabilities 2026.81 3367.14 2476.31 2662.14 2942.69
Total Liabilities 100503.81 110481.89 121067.55 136454.52 147656.53
Assets
Balance with RBI 9488.4 7208.52 6139.24 6225.4 7312.46
Balance with Banks 89.85 1130.93 148.99 71.32 70.55
Investments 24552.1 32022.77 42280.87 44838.42 49599.16
Advances 58411.91 60941.7 63626.56 76819.43 82736.38
Net Block 1240.83 1584.91 1577.44 1519.42 1755.78
Other Assets 6720.72 7593.05 7294.44 6980.52 6182.2
Total Assets 100503.81 110481.89 121067.55 136454.52 147656.53
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 98.25 98.25 98.25 98.25 93.85
president of india 98.25 98.25 98.25 98.25 93.85
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2025%
investors 2.93 2.93 2.93 2.93 6.15
life insurance corporatio... 1.04 1.04 1.04 1.04 1.33
llp - 0.01 - - -
life insurance corporatio... 1.04 1.04 1.04 1.04 1.33

Annual Reports

Title Action
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY ACTION
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TYPE AGENCY ACTION
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Concalls & Presentations

TYPE QUARTER ACTION
Concall Q4FY24
Concall Q3FY25
Concall Q3FY24
Concall Q1FY25
TYPE QUARTER ACTION
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Company News

Punjab & Sind Bank Stock Price Analysis and Quick Research Report. Is Punjab & Sind Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Punjab & Sind Bank is performing and if it is the right time to buy the stock of Punjab & Sind Bank with detailed analysis. Punjab & Sind Bank stock price today is Rs 31.43.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Punjab & Sind Bank has earned Rs 9693.9756 Cr. revenue in the latest financial year. Punjab & Sind Bank has posted decent revenue growth of 11.6026812432043 % in last 3 Years.

  • In terms of advances, Punjab & Sind Bank reported 7.7024 % YOY,  rise . If you see 3 years advance growth, it stands at 10.72881142726 %.

  • Currently, Punjab & Sind Bank has a CASA ratio of 32.4164 %. It’s overall cost of liability stands at 5.3049 %. Also, the total deposits from these accounts stood at Rs 119409.5543 Cr.

  • Punjab & Sind Bank has a average ROA track record. The ROA of Punjab & Sind Bank is at 0.4191 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Punjab & Sind Bank stood at 5.43 % and 1.63 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -214.152652401092 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Punjab & Sind Bank surged and is currently at Rs 1221.4692 Cr.

  • Punjab & Sind Bank has a Good Capital Adequacy Ratio of 17.16 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Punjab & Sind Bank is trading at a P/B of 1.8178 . The historical average PB was 1.19004818052016.

  • Share Price: - The current share price of Punjab & Sind Bank is Rs 31.43. One can use valuation calculators of ticker to know if Punjab & Sind Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Punjab & Sind Bank
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