Punjab & Sind Bank

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

Punjab & Sind Bank

₹ 24.9 -0.40%
30 Apr - 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 - Q3 FY26:[1][2]
Corporate Banking: ~29%
Retail Banking: ~40%
Treasury: 29%
Others: 2%

Website BSE NSE
  • Market Cap ₹ 17,682 Cr.
  • Current Price ₹ 24.9
  • High / Low ₹ 34.4 / 20.5
  • Stock P/E 13.4
  • Book Value ₹ 19.9
  • Dividend Yield 0.28 %
  • ROCE 5.95 %
  • ROE 9.62 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 11.4% over past five years.
  • Company has a low return on equity of 6.74% over last 3 years.
  • Contingent liabilities of Rs.6,200 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 9.22% of profits over last 3 years

* 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 Nifty PSU Bank BSE Financial Services BSE 1000

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
2,105 2,316 2,406 2,491 2,481 2,652 2,739 2,931 3,159 2,911 2,999 3,042 3,030
Interest 1,421 1,578 1,731 1,752 1,792 1,802 1,866 1,992 2,037 2,010 2,049 2,056 2,055
638 682 648 920 875 831 924 902 1,356 1,046 967 1,037 787
Financing Profit 46 56 27 -181 -186 19 -52 36 -234 -146 -17 -51 188
Financing Margin % 2% 2% 1% -7% -8% 1% -2% 1% -7% -5% -1% -2% 6%
547 179 268 362 413 194 359 338 677 469 374 507 427
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 593 234 295 181 227 213 307 375 442 323 357 456 615
Tax % 23% 35% 36% 37% 39% 15% 22% 25% 29% 17% 18% 26% 31%
457 153 189 114 139 182 240 282 313 269 295 336 422
EPS in Rs 0.67 0.23 0.28 0.17 0.21 0.27 0.35 0.42 0.44 0.38 0.42 0.47 0.59
Gross NPA % 6.97% 6.80% 6.23% 5.70% 5.43% 4.72% 4.21% 3.83% 3.38% 3.34% 2.92% 2.60% 2.40%
Net NPA % 1.84% 1.95% 1.88% 1.80% 1.63% 1.59% 1.46% 1.25% 0.96% 0.91% 0.83% 0.74% 0.79%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
8,589 8,744 8,173 7,949 8,559 7,930 6,974 7,096 7,993 9,694 11,481 11,982
Interest 6,909 6,569 6,014 5,714 6,279 5,872 4,712 4,444 5,019 6,853 7,698 8,170
1,915 2,110 2,536 3,347 3,981 4,423 6,468 2,287 2,145 2,975 3,869 3,837
Financing Profit -235 66 -377 -1,112 -1,702 -2,366 -4,206 364 828 -134 -85 -25
Financing Margin % -3% 1% -5% -14% -20% -30% -60% 5% 10% -1% -1% -0%
429 478 578 581 828 897 904 959 940 1,221 1,568 1,778
Depreciation 46 46 0 64 -15 54 102 137 148 150 145 0
Profit before tax 147 498 201 -595 -859 -1,522 -3,404 1,187 1,620 937 1,338 1,752
Tax % 18% 33% 0% 25% -37% -35% -20% 12% 19% 36% 24% 25%
121 336 201 -744 -543 -991 -2,733 1,039 1,313 595 1,016 1,322
EPS in Rs 3.03 8.39 5.02 -13.17 -9.62 -14.13 -6.74 1.53 1.94 0.88 1.43 1.86
Dividend Payout % 20% 20% 0% 0% 0% 0% 0% 20% 25% 23% 5% 0%
Compounded Sales Growth
10 Years: 3%
5 Years: 11%
3 Years: 14%
TTM: 4%
Compounded Profit Growth
10 Years: 15%
5 Years: 20%
3 Years: 0%
TTM: 30%
Stock Price CAGR
10 Years: -4%
5 Years: 7%
3 Years: -12%
1 Year: -16%
Return on Equity
10 Years: 0%
5 Years: 8%
3 Years: 7%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 400 400 400 565 565 701 4,053 6,778 6,778 6,778 7,096 7,096
Reserves 5,196 5,570 5,742 5,618 5,136 4,895 4,310 7,233 8,331 8,756 6,259 7,037
Deposits 88,040 91,250 85,540 101,726 98,558 89,668 96,108 102,137 109,665 119,410 129,774 145,829
Borrowing 1,723 2,839 2,958 3,683 2,714 3,213 2,644 2,444 9,018 9,771 14,230 16,352
2,394 2,522 2,002 2,167 2,009 2,027 3,367 2,476 2,662 2,943 4,457 2,957
Total Liabilities 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455 147,657 161,815 179,270
995 1,133 1,095 1,083 1,230 1,241 1,585 1,577 1,519 1,756 1,779 1,862
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 24,007 27,645 27,948 32,982 26,173 24,552 32,023 42,281 44,838 49,599 46,912 49,388
72,752 73,803 67,600 79,695 81,579 74,711 76,874 77,209 90,097 96,302 113,124 128,020
Total Assets 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455 147,657 161,815 179,270

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,982 930 -495 1,063 -97 2,210 -5,848 -5,999 1,428 1,746 -2,294 -1,893
-84 -38 -33 -51 -61 -63 -446 -121 -88 -229 -168 -241
-39 -209 216 1,531 -356 814 5,055 4,068 -1,332 -431 3,898 -387
Net Cash Flow -2,105 683 -313 2,543 -514 2,960 -1,239 -2,051 8 1,086 1,437 -2,521
Free Cash Flow -2,066 892 -529 1,012 -158 2,147 -6,294 -6,119 1,340 1,518 -2,461 -2,134
CFO/OP -30% 14% -9% 28% 3% 73% -1,111% -142% 27% 31% -39% -20%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 2% 6% 3% -12% -9% -18% -39% 9% 9% 4% 7% 10%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Business per Employee
₹ Crore

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Number of Branches
Number
Profit per Employee
₹ Lakh
Number of ATMs
Number
Cost of Deposits
%
Number of BCs (Business Correspondents)
Number
RAM Advances % to Total Advances
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 93.85% 93.85% 93.85% 93.85% 93.85%
0.00% 0.03% 0.01% 0.02% 0.00% 0.00% 0.00% 0.73% 0.25% 0.16% 0.16% 0.15%
0.66% 0.68% 0.65% 0.65% 0.65% 0.65% 0.65% 4.32% 4.08% 4.03% 4.00% 3.90%
1.10% 1.05% 1.09% 1.09% 1.11% 1.11% 1.10% 1.11% 1.82% 1.96% 1.99% 2.09%
No. of Shareholders 1,45,3851,55,1151,56,1091,84,6791,91,4451,99,3511,99,1331,99,8212,22,2342,22,1202,22,4152,22,301

* 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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