Punjab & Sind Bank

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

₹ 18.2 -10.52%
23 Oct - 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 ₹ 12,921 Cr.
  • Current Price ₹ 18.2
  • High / Low ₹ 32.5 / 18.0
  • Stock P/E 8.60
  • Book Value ₹ 20.5
  • Dividend Yield 2.14 %
  • ROCE 5.95 %
  • ROE 9.62 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.89 times its book value

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.9,924 Cr.
  • 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

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 1000 BSE Financial Services Nifty PSU Bank

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Quarterly Results

Figures in Rs. Crores

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
2,406 2,491 2,481 2,652 2,739 2,931 3,159 2,911 2,999 3,042 3,030 3,213 3,394
Interest 1,731 1,752 1,792 1,802 1,866 1,992 2,037 2,010 2,049 2,056 2,055 2,175 2,234
648 920 875 831 924 902 1,356 1,046 967 1,037 787 920 948
Financing Profit 27 -181 -186 19 -52 36 -234 -146 -17 -51 188 119 213
Financing Margin % 1% -7% -8% 1% -2% 1% -7% -5% -1% -2% 6% 4% 6%
268 362 413 194 359 338 677 469 374 507 427 332 352
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 295 181 227 213 307 375 442 323 357 456 615 451 565
Tax % 36% 37% 39% 15% 22% 25% 29% 17% 18% 26% 31% 27% 27%
189 114 139 182 240 282 313 269 295 336 422 332 412
EPS in Rs 0.28 0.17 0.21 0.27 0.35 0.42 0.44 0.38 0.42 0.47 0.59 0.47 0.58
Gross NPA % 6.23% 5.70% 5.43% 4.72% 4.21% 3.83% 3.38% 3.34% 2.92% 2.60% 2.40% 2.21% 2.09%
Net NPA % 1.88% 1.80% 1.63% 1.59% 1.46% 1.25% 0.96% 0.91% 0.83% 0.74% 0.79% 0.65% 0.61%
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 TTM
8,589 8,744 8,173 7,949 8,559 7,930 6,974 7,096 7,993 9,694 11,481 11,982 12,680
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 8,519
1,915 2,110 2,536 3,347 3,981 4,423 6,468 2,287 2,145 2,975 3,869 3,660 3,691
Financing Profit -235 66 -377 -1,112 -1,702 -2,366 -4,206 364 828 -134 -85 152 470
Financing Margin % -3% 1% -5% -14% -20% -30% -60% 5% 10% -1% -1% 1% 4%
429 478 578 581 828 897 904 959 940 1,221 1,568 1,778 1,619
Depreciation 46 46 0 64 -15 54 102 137 148 150 145 177 0
Profit before tax 147 498 201 -595 -859 -1,522 -3,404 1,187 1,620 937 1,338 1,752 2,089
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 1,502
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 2.11
Dividend Payout % 20% 20% 0% 0% 0% 0% 0% 20% 25% 23% 5% 21%
Compounded Sales Growth
10 Years: 3%
5 Years: 11%
3 Years: 14%
TTM: 6%
Compounded Profit Growth
10 Years: 15%
5 Years: 20%
3 Years: 0%
TTM: 30%
Stock Price CAGR
10 Years: -10%
5 Years: 0%
3 Years: -22%
1 Year: -41%
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 Sep 2026
Equity Capital 400 400 400 565 565 701 4,053 6,778 6,778 6,778 7,096 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 7,448
Deposits 88,040 91,250 85,540 101,726 98,558 89,668 96,108 102,137 109,665 119,410 129,774 145,829 153,312
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 19,230
2,394 2,522 2,002 2,167 2,009 2,027 3,367 2,476 2,662 2,943 4,457 2,957 3,202
Total Liabilities 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455 147,657 161,815 179,270 190,288
995 1,133 1,095 1,083 1,230 1,241 1,585 1,577 1,519 1,756 1,798 1,862 2,012
CWIP 0 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 50,907
72,752 73,803 67,600 79,695 81,579 74,711 76,874 77,209 90,097 96,302 113,105 128,020 137,369
Total Assets 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068 136,455 147,657 161,815 179,270 190,288

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

Ratios

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 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Advances
INR Crore

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Gross NPA Ratio
% of gross advances
Net NPA Ratio
% of net advances
Number of Branches
count
Total Deposits
INR Crore
CASA Ratio
% of total deposits
Number of Business Correspondents (BCs)
count
RAM % to Total Advances
% of gross advances

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
98.25% 98.25% 98.25% 98.25% 98.25% 93.85% 93.85% 93.85% 93.85% 93.85% 93.85% 93.85%
0.01% 0.02% 0.00% 0.00% 0.00% 0.73% 0.25% 0.16% 0.16% 0.15% 0.14% 0.12%
0.65% 0.65% 0.65% 0.65% 0.65% 4.32% 4.08% 4.03% 4.00% 3.90% 3.81% 3.79%
1.09% 1.09% 1.11% 1.11% 1.10% 1.11% 1.82% 1.96% 1.99% 2.09% 2.21% 2.24%
No. of Shareholders 1,56,1091,84,6791,91,4451,99,3511,99,1331,99,8212,22,2342,22,1202,22,4152,22,3012,21,8492,22,056

* 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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