Punjab & Sind Bank
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Punjab & Sind Bank share price

Punjab & Sind Bank

NSE: PSB BSE: 533295 SECTOR: Bank - Public  88.9 K   181   40

29.35
+0.19 (0.65%)
BSE: 11 Sep 04:01 PM

Price Summary

Today's High

₹ 30.47

Today's Low

₹ 29.24

52 Week High

₹ 58

52 Week Low

₹ 25.29

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 20825.54 Cr.

CASA %

31.43

No. of Shares

709.56 Cr.

P/E

18.87

P/B

1.65

Face Value

₹ 10

Div. Yield

0.24 %

Book Value (TTM)

₹  17.75

Net Interest Income

₹ 3783.66 Cr.

Cost To Income %

61.23

Promoter Holding

93.85 %

EPS (TTM)

₹  1.56

CAR %

17.41

ROE

7.59 %

ROCE

7.4%

Profit Growth

70.61 %

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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

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Ratios

ROE%

1 Year7.59%
3 Year7.12%
5 Year-2.72%

ROA%

1 Year0.66%
3 Year0.7%
5 Year0.08%

Net NPA%

1 Year0.96%
3 Year1.48%
5 Year2.24%

 NIM

1 Year2.47%
3 Year2.28%
5 Year2.29%

CAR %

17.41

Cost of Liabilities %

5.3455

PEG Ratio

0.3

Advances Growth %

17.6023

Shareholding Pattern

Promoter Pledging %

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

 Strengths

  • Good Capital Adequacy Ratio of 17.41%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.698433333333333%
  • CASA Growth of -0.984900000000003% YoY, which is very low.
  • Company has a low ROE of 7.1237% over the last 3 years.
  • High Cost to income ratio of 61.2259%.
  • The company has delivered poor Profit Growth of -0.750647230532842% over the past 3 years.
  • Increase in Provision and contingencies of 280.172564021922% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 2652.27 2738.95 2931.14 3158.94 2910.66
Other Income 193.75 358.91 338.23 676.76 468.73
Interest Expended 1802.24 1866.1 1992.38 2036.92 2010.25
Operating Expenses 727.18 773.81 793.01 982.39 829.04
Total Provisions 103.38 150.64 109.33 374.02 217.08
Profit Before Tax 213.22 307.31 374.65 442.37 323.02
Tax 31.72 67.72 92.69 129.59 53.86
Net Profit 181.5 239.59 281.96 312.78 269.16
Net NPA % 1.59 1.46 1.25 0.96 0.91
Gross NPA % 4.72 4.21 3.83 3.38 3.34
Return on Assets % 0.5 0.65 0.73 0.79 0.67
NPM % 6.84 8.75 9.62 9.9 9.25

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 6973.91 7095.81 7992.73 9693.98 11481.3
Other Income 903.61 959.38 939.96 1221.47 1567.65
Interest Expended 4712 4444.5 5019.35 6852.93 7697.64
Operating Expenses 2393.5 2280.6 2463.4 2931.57 3276.39
Total Provisions 4176.27 143.41 -169.91 193.96 737.37
Profit Before Tax -3404.24 1186.68 1619.85 936.98 1337.55
Taxes -671.34 147.63 306.82 341.56 321.72
Net Profit -2732.9 1039.05 1313.03 595.42 1015.83
Adjusted EPS (Rs.) -6.74 1.53 1.94 0.88 1.43

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 4052.67 6777.79 6777.79 6777.79 7095.59
Total Reserves 4310.35 7232.8 8330.72 8755.64 6259.17
Deposits 96108.18 102137.01 109665.49 119409.55 129774.02
Borrowings 2643.55 2443.63 9018.38 9770.86 14229.52
Other Liabilities 3367.14 2476.31 2662.14 2942.69 4456.87
Total Liabilities 110481.89 121067.55 136454.52 147656.53 161815.17
Assets
Balance with RBI 7208.52 6139.24 6225.4 7312.46 8793.8
Balance with Banks 1130.93 148.99 71.32 70.55 26.26
Investments 32022.77 42280.87 44838.42 49599.16 46912.31
Advances 60941.7 63626.56 76819.43 82736.38 97299.9
Net Block 1584.91 1577.44 1519.42 1755.78 1778.86
Other Assets 7593.05 7294.44 6980.52 6182.2 7004.03
Total Assets 110481.89 121067.55 136454.52 147656.53 161815.17
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

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

Annual Reports

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Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
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Ratings & Research Reports

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Concalls & Presentations

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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.

  •  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 11481.3003 Cr. revenue in the latest financial year. Punjab & Sind Bank has posted outstanding revenue growth of 17.3984416220933% in last 3 Years.

  • In terms of advances, Punjab & Sind Bank reported 17.6023% YOY,  rise . If you see 3 years advance growth, it stands at 15.210301948317%.

  • Currently, Punjab & Sind Bank has a CASA ratio of 31.4315%. It’s overall cost of liability stands at 5.3455 %. Also, the total deposits from these accounts stood at Rs 129774.0219 Cr.

  • Punjab & Sind Bank has a average ROA track record. The ROA of Punjab & Sind Bank is at 0.6565%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Punjab & Sind Bank stood at 3.38% and 0.96% 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 positive at 280.172564021922% which means it has increased 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 1567.6508 Cr.

  • Punjab & Sind Bank has a Good Capital Adequacy Ratio of 17.41 .

  • 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 1.6514 . The historical average PB was 1.65894803346102.

One can find all the Financial Ratios of Punjab & Sind Bank in Ticker for free. Also, one can get the intrinsic value of Punjab & Sind Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

Punjab & Sind Bank FAQs

Q1. What is Punjab & Sind Bank share price today?
Ans: The current share price of Punjab & Sind Bank is Rs 29.35.

Q2. What is the market capitalisation of Punjab & Sind Bank?
Ans: Punjab & Sind Bank has a market capitalisation of Rs 20825.5426207 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Punjab & Sind Bank?
Ans: The PE ratio of Punjab & Sind Bank is 18.872170781893 and the P/B ratio of Punjab & Sind Bank is 1.65360497151968, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Punjab & Sind Bank share?
Ans: The 52-week high share price of Punjab & Sind Bank is Rs 58.05, and the 52-week low share price of Punjab & Sind Bank is Rs 25.22.

Q5. Does Punjab & Sind Bank pay dividends?
Ans: Currently, Punjab & Sind Bank pays dividends. Dividend yield of Punjab & Sind Bank is around 0.238%.

Q6. What are the face value and book value of Punjab & Sind Bank shares?
Ans: The face value of Punjab & Sind Bank shares is Rs 10, while the book value per share of Punjab & Sind Bank is around Rs 17.7491. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Punjab & Sind Bank?
Ans: The ROE of Punjab & Sind Bank is 7.5926% and ROCE of Punjab & Sind Bank is 7.4014%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Punjab & Sind Bank a good buy for the long term?
Ans: The Punjab & Sind Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Punjab & Sind Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Punjab & Sind Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Punjab & Sind Bank’s financials?
Ans: You can review Punjab & Sind Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Punjab & Sind Bank
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