Punjab & Sind Bank

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

Punjab & Sind Bank

₹ 61.2 1.04%
25 Apr 9:04 a.m.
psbindia.com BSE: 533295 NSE : PSB
About

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

Key Points

Ratios (Q3FY21)
Capital Adequacy Ratio - 16.39%[1]
Net Interest Margin - 2.31%[2]
Gross NPA - 13.14%
Net NPA - 2.84%[3]
CASA Ratio - 32.4%[4]

Website BSE NSE
  • Market Cap ₹ 41,514 Cr.
  • Current Price ₹ 61.2
  • High / Low ₹ 77.5 / 29.4
  • Stock P/E 45.5
  • Book Value ₹ 22.3
  • Dividend Yield 0.79 %
  • ROCE 5.26 %
  • ROE 9.01 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 30.4% CAGR over last 5 years

Cons

  • Stock is trading at 2.72 times its book value
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 0.11% over past five years.
  • Company has a low return on equity of -1.17% over last 3 years.
  • Company might be capitalizing the interest cost

* 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

Sector: Banks Industry: Banks - Public Sector

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Quarterly Results

Figures in Rs. Crores

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,763 1,611 1,690 1,741 1,871 1,793 1,800 1,980 2,107 2,105 2,316 2,406 2,491
Interest 1,147 1,116 1,111 1,124 1,114 1,096 1,091 1,205 1,302 1,421 1,578 1,731 1,752
3,612 666 459 775 622 463 542 723 391 638 682 648 920
Financing Profit -2,995 -171 120 -158 135 234 167 52 414 46 56 27 -181
Financing Margin % -170% -11% 7% -9% 7% 13% 9% 3% 20% 2% 2% 1% -7%
211 340 214 256 171 215 115 140 138 547 179 268 362
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -2,785 169 334 98 306 449 282 193 552 593 234 295 181
Tax % 15% 5% 48% -123% 2% 23% 27% -44% 32% 23% 35% 36% 37%
-2,376 161 174 218 301 346 205 278 373 457 153 189 114
EPS in Rs -33.89 0.40 0.43 0.54 0.74 0.51 0.30 0.41 0.55 0.67 0.23 0.28 0.17
Gross NPA % 13.14% 13.76% 13.33% 14.54% 14.44% 12.17% 11.34% 9.67% 8.36% 6.97% 6.80% 6.23% 5.70%
Net NPA % 2.84% 4.04% 3.61% 3.81% 3.01% 2.74% 2.56% 2.24% 2.02% 1.84% 1.95% 1.88% 1.80%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 6,474 7,340 7,973 8,589 8,744 8,173 7,949 8,559 7,930 6,974 7,096 7,993 9,318
Interest 4,973 5,699 6,352 6,909 6,569 6,014 5,714 6,279 5,872 4,712 4,444 5,019 6,482
1,260 1,523 1,742 1,915 2,110 2,536 3,347 3,981 4,423 6,468 2,287 2,145 2,888
Financing Profit 241 118 -121 -235 66 -377 -1,112 -1,702 -2,366 -4,206 364 828 -52
Financing Margin % 4% 2% -2% -3% 1% -5% -14% -20% -30% -60% 5% 10% -1%
417 394 427 429 478 578 581 828 897 904 959 940 1,356
Depreciation 44 27 60 46 46 0 64 -15 54 102 137 148 0
Profit before tax 614 486 246 147 498 201 -595 -859 -1,522 -3,404 1,187 1,620 1,303
Tax % 27% 30% -22% 18% 33% 0% -25% 37% 35% 20% 12% 19%
451 339 301 121 336 201 -744 -543 -991 -2,733 1,039 1,313 913
EPS in Rs 19.27 13.35 10.92 3.03 8.39 5.02 -13.17 -9.62 -14.13 -6.74 1.53 1.94 1.35
Dividend Payout % 10% 20% 20% 20% 20% 0% 0% 0% 0% 0% 20% 25%
Compounded Sales Growth
10 Years: 1%
5 Years: 0%
3 Years: 0%
TTM: 21%
Compounded Profit Growth
10 Years: 14%
5 Years: 30%
3 Years: 49%
TTM: -24%
Stock Price CAGR
10 Years: 2%
5 Years: 16%
3 Years: 53%
1 Year: 86%
Return on Equity
10 Years: -2%
5 Years: -4%
3 Years: -1%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 234 254 275 400 400 400 565 565 701 4,053 6,778 6,778
Reserves 3,815 4,150 4,536 5,196 5,570 5,742 5,618 5,136 4,895 4,310 7,233 8,331
Preference Capital 200 200 200 0 0 0 0 0 0 0 0 0
66,506 73,182 87,035 89,763 94,089 88,499 105,409 101,272 92,881 98,752 104,581 118,684
2,350 2,892 2,663 2,394 2,522 2,002 2,167 2,009 2,027 3,367 2,476 2,662
Total Liabilities 72,905 80,478 94,509 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455
808 844 1,003 995 1,133 1,095 1,083 1,230 1,241 1,585 1,577 1,519
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 20,064 22,542 28,294 24,007 27,645 27,948 32,982 26,173 24,552 32,023 42,281 44,838
52,033 57,091 65,212 72,752 73,803 67,600 79,695 81,579 74,711 76,874 77,209 90,097
Total Assets 72,905 80,478 94,509 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-653 -26 2,469 -1,982 930 -495 1,063 -97 2,210 -5,848 -5,999 1,428
-36 -82 -58 -84 -38 -33 -51 -61 -63 -446 -121 -88
108 -129 -165 -39 -209 216 1,531 -356 814 5,055 4,068 -1,332
Net Cash Flow -581 -236 2,246 -2,105 683 -313 2,543 -514 2,960 -1,239 -2,051 8

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 12% 8% 7% 2% 6% 3% -12% -9% -18% -39% 9% 9%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
97.07% 97.07% 97.07% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25% 98.25%
0.01% 0.03% 0.01% 0.00% 0.00% 0.01% 0.00% 0.01% 0.00% 0.03% 0.01% 0.02%
1.06% 1.06% 1.06% 0.64% 0.66% 0.66% 0.67% 0.67% 0.66% 0.68% 0.65% 0.65%
1.86% 1.84% 1.85% 1.11% 1.09% 1.07% 1.08% 1.07% 1.10% 1.05% 1.09% 1.09%
No. of Shareholders 1,24,4201,26,3261,28,8801,30,7281,31,3511,30,5061,46,8431,46,9681,45,3851,55,1151,56,1091,84,679

* 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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