Punjab & Sind Bank
PSBPunjab & Sind Bank
PSB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
HighShowing good signs of profitability & efficiency
Entry point
AvgThe stock is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 49.11 | 2.13 | 0.41% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.77 | 2.46 | 0.98% |
Forecast & Ratings
Detailed Forecast Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Punjab & Sind Bank provides Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations.
Investor Presentation
View olderPeers
Compare with peersState Bank of India
Bank of Baroda Ltd
Punjab National Bank
Indian Overseas Bank
Union Bank of India Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
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Hmm, looks like data is unavailable here. Please come back after some timeIncome
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 9,222.83 | 8,750.97 | 8,529.95 | 9,386.95 | 8,826.93 | 7,877.52 | 8,055.19 | 8,932.69 | 10,915.45 | 11,690.81 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 10,762.79 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 894.03 | 990.14 | 1,123.00 | 1,175.81 | 1,211.09 | 1,688.07 | 1,478.56 | 1,544.42 | 1,944.20 | |||||||||||
| Selling & Administrative Expenses | 264.75 | 273.19 | 270.30 | 288.26 | 296.76 | 311.74 | 325.06 | 412.06 | 419.85 | |||||||||||
| Operating & Other expenses | 7,519.90 | 7,286.55 | 7,667.38 | 8,796.36 | 8,787.52 | 9,179.83 | 4,927.80 | 5,208.02 | 7,464.32 | |||||||||||
EBITDA | 544.15 | 201.09 | -530.73 | -873.48 | -1,468.44 | -3,302.12 | 1,323.77 | 1,768.19 | 1,087.08 | 928.02 | ||||||||||
| Depreciation/Amortization | 45.74 | 0.00 | 64.11 | -14.72 | 53.91 | 102.13 | 137.09 | 148.33 | 150.08 | — | ||||||||||
| PBIT | 498.41 | 201.09 | -594.84 | -858.76 | -1,522.35 | -3,404.25 | 1,186.68 | 1,619.86 | 937.00 | 928.02 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 498.41 | 201.09 | -594.84 | -858.76 | -1,522.35 | -3,404.25 | 1,186.68 | 1,619.86 | 937.00 | 928.02 | ||||||||||
| Taxes & Other Items | 162.43 | 0.00 | 148.96 | -315.29 | -531.56 | -671.34 | 147.63 | 306.82 | 341.56 | 253.27 | ||||||||||
| Net Income | 335.98 | 201.09 | -743.80 | -543.47 | -990.79 | -2,732.91 | 1,039.05 | 1,313.04 | 595.44 | 674.75 | ||||||||||
| EPS | 8.39 | 5.02 | -15.41 | -9.62 | -15.65 | -11.50 | 1.92 | 1.94 | 0.88 | 1.00 | ||||||||||
| DPS | 1.65 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.31 | 0.48 | 0.20 | 0.20 | ||||||||||
| Payout ratio | 0.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.16 | 0.25 | 0.23 | 0.20 |
Company Updates
Peers & Comparison
FinancialsPublic Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Punjab & Sind Bank | 55.65 | 2.13 | 0.41% |
| State Bank of India | 11.17 | 1.74 | 1.63% |
| Bank of Baroda Ltd | 6.82 | 1.06 | 3.08% |
| Punjab National Bank | 13.26 | 1.09 | 1.37% |
Price Comparison
Compare PSB with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 2 Mutual Funds holding Punjab & Sind Bank
| Funds (Top 2) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Kotak BSE PSU Index Fund - Direct Plan - Growth Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0001% | Percentage of the fund’s portfolio invested in the stock 0.04% | Change in the portfolio weight of the stock over the last 3 months -0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 59/61 (0) |
HDFC BSE 500 Index Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0000% | Percentage of the fund’s portfolio invested in the stock 0.00% | Change in the portfolio weight of the stock over the last 3 months -0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 506/509 (-5) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No dividend trend available
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJul 16, 2024
Dividend/Share
₹0.20
Ex DateEx Date
Jul 16, 2024
Cash Dividend
Ex DateEx DateJul 4, 2023
Dividend/Share
₹0.48
Ex DateEx Date
Jul 4, 2023
Cash Dividend
Ex DateEx DateJul 4, 2022
Dividend/Share
₹0.31
Ex DateEx Date
Jul 4, 2022
Cash Dividend
Ex DateEx DateJun 20, 2016
Dividend/Share
₹1.65
Ex DateEx Date
Jun 20, 2016
Cash Dividend
Ex DateEx DateJun 19, 2015
Dividend/Share
₹0.60
Ex DateEx Date
Jun 19, 2015
Punjab & Sind Bank is up for a third straight session today. The stock is quoting at Rs 48.42, up 1.47% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 1.25% on the day, quoting at 23745.85. The Sensex is at 78340.19, up 1.29%. Punjab & Sind Bank has slipped around 7.13% in last one month. Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has slipped around 0.21% in last one month and is currently quoting at 6534.75, up 0.79% on the day. The volume in the stock stood at 5.9 lakh shares today, compared to the daily average of 12.48 lakh shares in last one month.The PE of the stock is 47.71 based on TTM earnings ending September 24.Powered by Capital Market - Live
Punjab & Sind Bank is down for a fifth straight session today. The stock is quoting at Rs 48.09, down 4.9% on the day as on 12:59 IST on the NSE. The benchmark NIFTY is down around 0.94% on the day, quoting at 23659.1. The Sensex is at 78007.07, down 0.85%.Punjab & Sind Bank has lost around 7.94% in last one month.Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has eased around 0.18% in last one month and is currently quoting at 6745.95, down 1.86% on the day. The volume in the stock stood at 12.03 lakh shares today, compared to the daily average of 10.95 lakh shares in last one month.The PE of the stock is 50.52 based on TTM earnings ending September 24.Powered by Capital Market - Live
Punjab & Sind Bank is up for a third straight session today. The stock is quoting at Rs 55.03, up 1.36% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 1.04% on the day, quoting at 24230.1. The Sensex is at 79668.59, down 0.88%. Punjab & Sind Bank has gained around 5.73% in last one month. Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has gained around 6.45% in last one month and is currently quoting at 6982.5, up 0.31% on the day. The volume in the stock stood at 11.33 lakh shares today, compared to the daily average of 10.44 lakh shares in last one month.The PE of the stock is 54.25 based on TTM earnings ending September 24.Powered by Capital Market - Live
Punjab & Sind Bank announced that India Ratings has assigned its 'IND AA/Stable' rating to the proposed Rs.3000 crore Infrastructure Bonds. Powered by Capital Market - Live
Net profit of Punjab & Sind Bank rose 26.71% to Rs 239.59 crore in the quarter ended September 2024 as against Rs 189.09 crore during the previous quarter ended September 2023. Total Operating Income rose 13.84% to Rs 2738.95 crore in the quarter ended September 2024 as against Rs 2405.89 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income2738.952405.89 14 OPM %66.2573.07 - PBDT307.31295.25 4 PBT307.31295.25 4 NP239.59189.09 27 Powered by Capital Market - Live
Punjab & Sind Bank will hold a meeting of the Board of Directors of the Company on 19 October 2024.Powered by Capital Market - Live
UCO Bank, IOB, IDBI Bank among 6 PSU banks that may remain in spotlight over next few months
Punjab & Sind Bank rises after Q1 PAT gains 19% YoY to Rs 181 cr
Punjab & Sind Bank Surges To Five-Month High As Q1 Profit Rises 18%
Profit before tax (PBT) stood at Rs 213.22 crore in Q1 FY25, registering de-growth of 8.97% YoY. Net interest income (NII) grew 14.51% to Rs 2,652 crore in Q1 FY25 as compared with Rs 2,316 crore recorded in Q1 FY24. During the quarter bank's total business grew by 7.10% YoY to Rs 2,08,331 crore, wherein total advances up by 9.24% YoY to Rs 87,738 crore. Total deposits rose 5.59% to Rs 1,20,593 crore as against from Rs 1,14,211 crore recorded in corresponding quarter last year. CASA deposit stood at Rs 38,134 crore in Q1 FY25 as compared to Rs 36,194 crore posted in Q1 FY24, registering the growth of 5.36%. CASA ratio was 31.62% as on 30 June 2024 as against 31.69 as on 30 June 2023. Gross non performing assets (GNPA) fell 24.14% to Rs 4,144.93 crore as on 30 June 2024 as against 5,464.16 crore as on 30 June 2023. On asset quality front, Gross NPA ratio reduced to 4.72% in Q1 FY25 as against 6.80% recorded in Q1 FY24. Net NPA ratio reduced to 1.59% in Q1 FY25 as against 1.95% in Q1 FY24. Capital Adequacy Ratio (CRAR) improved by 11bps to 17.30% and Tier I (Including CCB) capital ratio improved to 14.80% in Q1 FY25 as against 14.46% registered in Q1 FY24. The bank's CD ratio improved by 244 bps to 72.76% in Q1 FY25 as against 70.32% in Q1 FY24. Meanwhile, the company's board approved to raise funds of Rs 3,000 crore by issue of Basel III compliant Additional Tier I Bonds / Tier II Bonds or any combination thereof and raise funds of Rs 5,000 crore by way of issue of Long Term Infrastructure Bonds. Punjab and Sind Bank is a leading public sector bank and a major bank in northern India. The bank provides customer service through innovative products and services for different customer segments. Bank has total 1,569 branches and 1,053 ATM's. Powered by Capital Market - Live
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 3.06%, vs industry avg of 14.77%
Decreasing Market Share
Over the last 5 years, market share decreased from 1.42% to 0.79%