Punjab & Sind Bank

Pun. & Sind Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Punjab & Sind Bank

₹ 33.0 -0.87%
10 Jun - close price
psbindia.com BSE: 533295 NSE: PSB
About

Punjab & Sind Bank is engaged in the Business of Deposits,Loans & Advances and Remittances & Collections.

Key Points

Business Segments
Corporate Banking: 38% in 9M FY25 vs 34% in FY23
Retail Banking: 32% in 9M FY25 vs 39% in FY23
Treasury: 29% in 9M FY25 vs 26% in FY23
Others: 1% in 9M FY25 vs 1% in FY23 [1] [2]

Website BSE NSE
  • Market Cap ₹ 23,261 Cr.
  • Current Price ₹ 33.0
  • High / Low ₹ 73.6 / 25.2
  • Stock P/E 22.9
  • Book Value ₹ 18.8
  • Dividend Yield 0.61 %
  • ROCE 5.98 %
  • ROE 7.03 %
  • Face Value ₹ 10.0
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Pros

  • Company has been maintaining a healthy dividend payout of 17.5%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 6.59% over last 3 years.
  • Contingent liabilities of Rs.7,629 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE PSU BSE MidCap Nifty PSU Bank BSE Allcap

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,793 1,800 1,980 2,107 2,105 2,316 2,406 2,491 2,481 2,652 2,739 2,931 3,159
Interest 1,096 1,091 1,205 1,302 1,421 1,578 1,731 1,752 1,792 1,802 1,866 1,992 2,037
463 542 723 391 638 682 648 920 875 831 924 902 1,356
Financing Profit 234 167 52 414 46 56 27 -181 -186 19 -52 36 -234
Financing Margin % 13% 9% 3% 20% 2% 2% 1% -7% -8% 1% -2% 1% -7%
215 115 140 138 547 179 268 362 413 194 359 338 677
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 449 282 193 552 593 234 295 181 227 213 307 375 442
Tax % 23% 27% -44% 32% 23% 35% 36% 37% 39% 15% 22% 25% 29%
346 205 278 373 457 153 189 114 139 182 240 282 313
EPS in Rs 0.51 0.30 0.41 0.55 0.67 0.23 0.28 0.17 0.21 0.27 0.35 0.42 0.44
Gross NPA % 12.17% 11.34% 9.67% 8.36% 6.97% 6.80% 6.23% 5.70% 5.43% 4.72% 4.21% 3.83% 3.38%
Net NPA % 2.74% 2.56% 2.24% 2.02% 1.84% 1.95% 1.88% 1.80% 1.63% 1.59% 1.46% 1.25% 0.96%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
7,973 8,589 8,744 8,173 7,949 8,559 7,930 6,974 7,096 7,993 9,694 11,481
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
1,742 1,915 2,110 2,536 3,347 3,981 4,423 6,468 2,287 2,145 2,975 4,014
Financing Profit -121 -235 66 -377 -1,112 -1,702 -2,366 -4,206 364 828 -134 -230
Financing Margin % -2% -3% 1% -5% -14% -20% -30% -60% 5% 10% -1% -2%
427 429 478 578 581 828 897 904 959 940 1,221 1,568
Depreciation 60 46 46 0 64 -15 54 102 137 148 150 0
Profit before tax 246 147 498 201 -595 -859 -1,522 -3,404 1,187 1,620 937 1,338
Tax % -22% 18% 33% 0% 25% -37% -35% -20% 12% 19% 36% 24%
301 121 336 201 -744 -543 -991 -2,733 1,039 1,313 595 1,016
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
Dividend Payout % 20% 20% 20% 0% 0% 0% 0% 0% 20% 25% 23% 5%
Compounded Sales Growth
10 Years: 3%
5 Years: 8%
3 Years: 17%
TTM: 18%
Compounded Profit Growth
10 Years: 24%
5 Years: 25%
3 Years: -1%
TTM: 71%
Stock Price CAGR
10 Years: -2%
5 Years: 15%
3 Years: 30%
1 Year: -46%
Return on Equity
10 Years: -1%
5 Years: 2%
3 Years: 7%
Last Year: 7%

Balance Sheet

Figures in Rs. Crores

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
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
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
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

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2,469 -1,982 930 -495 1,063 -97 2,210 -5,848 -5,999 1,428 1,749 -2,294
-58 -84 -38 -33 -51 -61 -63 -446 -121 -88 -229 -168
-165 -39 -209 216 1,531 -356 814 5,055 4,068 -1,332 -434 3,898
Net Cash Flow 2,246 -2,105 683 -313 2,543 -514 2,960 -1,239 -2,051 8 1,086 1,437

Ratios

Figures in Rs. Crores

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%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 93.85%
0.00% 0.01% 0.00% 0.01% 0.00% 0.03% 0.01% 0.02% 0.00% 0.00% 0.00% 0.73%
0.66% 0.66% 0.67% 0.67% 0.66% 0.68% 0.65% 0.65% 0.65% 0.65% 0.65% 4.32%
1.09% 1.07% 1.08% 1.07% 1.10% 1.05% 1.09% 1.09% 1.11% 1.11% 1.10% 1.11%
No. of Shareholders 1,31,3511,30,5061,46,8431,46,9681,45,3851,55,1151,56,1091,84,6791,91,4451,99,3511,99,1331,99,821

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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