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Punjab & Sind Bank share price

Punjab & Sind Bank

NSE: PSB BSE: 533295 SECTOR: Bank - Public  73k   165   30

46.98
0 0
BSE: 22 Nov 04:00 PM

Price Summary

Today's High

₹ 47.66

Today's Low

₹ 46.56

52 Week High

₹ 77.5

52 Week Low

₹ 40.23

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

31842.04 Cr.

CASA %

32.42

No. of Shares

677.78 Cr.

P/E

47.19

P/B

3.03

Face Value

₹ 10

Div. Yield

0.43 %

Book Value (TTM)

₹  15.51

Net Interest Income

2841.04 Cr.

Cost To Income %

72.16

Promoter Holding

98.25 %

EPS (TTM)

₹  1

CAR %

17.16

ROE

4.15 %

ROCE

5.98%

Profit Growth

-54.65 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year4.15%
3 Year7.97%
5 Year-8.44%

ROA%

1 Year0.42%
3 Year0.78%
5 Year-0.24%

Net NPA%

1 Year1.63%
3 Year2.07%
5 Year3.66%

 NIM

1 Year2.03%
3 Year2.24%
5 Year2.24%

CAR %

17.16

Cost of Liabilities %

5.3049

PEG Ratio

NA

Advances Growth %

7.7024

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 98.25 0.00
Jun 2024 98.25 0.00
Mar 2024 98.25 0.00
Dec 2023 98.25 0.00
Sep 2023 98.25 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.16%.
  • The company has delivered good Profit growth of 30.4103612181193% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.778759907921582%
  • CASA Growth of -1.17039999999999% YoY, which is very low.
  • Company has a low ROE of 7.96607043537947% over the last 3 years.
  • High Cost to income ratio of 72.1616%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 2405.89 2491.03 2481.27 2652.27 2738.95
Other Income 268.26 361.68 412.95 193.75 358.91
Interest Expended 1731.01 1751.75 1791.95 1802.24 1866.1
Operating Expenses 682.88 823.97 765.92 727.18 773.81
Total Provisions -34.99 96.29 109.56 103.38 150.64
Profit Before Tax 295.25 180.7 226.79 213.22 307.31
Tax 106.16 66.39 87.44 31.72 67.72
Net Profit 189.09 114.31 139.35 181.5 239.59
Net NPA % 1.88 1.8 1.63 1.59 1.46
Gross NPA % 6.23 5.7 5.43 4.72 4.21
Return on Assets % 0.52 0.31 0.38 0.5 0.65
NPM % 7.86 4.59 5.62 6.84 8.75

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 7929.53 6973.91 7095.81 7992.73 9693.98
Other Income 897.4 903.61 959.38 939.96 1221.47
Interest Expended 5871.98 4712 4444.5 5019.35 6852.93
Operating Expenses 1858.03 2393.5 2280.6 2463.4 2931.57
Total Provisions 2619.27 4176.27 143.41 -169.91 193.96
Profit Before Tax -1522.36 -3404.24 1186.68 1619.85 936.98
Taxes -531.56 -671.34 147.63 306.82 341.56
Net Profit -990.8 -2732.9 1039.05 1313.03 595.42
Adjusted EPS (Rs.) -14.13 -6.74 1.53 1.94 0.88

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 701.05 4052.67 6777.79 6777.79 6777.79
Total Reserves 4895.34 4310.35 7232.8 8330.72 8755.64
Deposits 89667.55 96108.18 102137.01 109665.49 119409.55
Borrowings 3213.05 2643.55 2443.63 9018.38 9770.86
Other Liabilities 2026.81 3367.14 2476.31 2662.14 2942.69
Total Liabilities 100503.81 110481.89 121067.55 136454.52 147656.53
Assets
Balance with RBI 9488.4 7208.52 6139.24 6225.4 7312.46
Balance with Banks 89.85 1130.93 148.99 71.32 70.55
Investments 24552.1 32022.77 42280.87 44838.42 49599.16
Advances 58411.91 60941.7 63626.56 76819.43 82736.38
Net Block 1240.83 1584.91 1577.44 1519.42 1755.78
Other Assets 6720.72 7593.05 7294.44 6980.52 6182.2
Total Assets 100503.81 110481.89 121067.55 136454.52 147656.53
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 98.25 98.25 98.25 98.25 98.25
president of india 98.25 98.25 98.25 98.25 98.25
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
investors 16.94 2.93 2.93 2.93 2.93
life insurance corporatio... 5.99 1.04 1.04 1.04 1.04
llp - - 0.01 - -
life insurance corporatio... 5.99 1.04 1.04 1.04 1.04

Ratings & Research Reports

Company Presentations

Company News

Punjab & Sind Bank launches e-Bank Guarantee facility 4 Nov, 9:47 AM Punjab & Sind Bank reports 27% rise in Q2 net profit 21 Oct, 10:30 AM Punjab & Sind Bank - Quaterly Results 19 Oct, 7:03 PM Punjab & Sind Bank - Quaterly Results 19 Oct, 7:03 PM Punjab & Sind Bank reports 19% rise in Q1 net profit 27 Jul, 2:06 PM Punjab & Sind Bank - Quaterly Results 26 Jul, 4:23 PM Punjab & Sind Bank - Quaterly Results 26 Jul, 4:23 PM Punjab & Sind Bank - Quaterly Results 26 Jul, 4:23 PM Punjab & Sind Bank planning to open 100 branches in FY25 8 Jul, 12:15 PM Punjab & Sind Bank signs MoU with Indian Army 26 Jun, 10:42 AM Punjab & Singh Bank informs about newspaper publication 25 Jun, 5:06 PM Punjab & Sind Bank informs about press release 13 May, 5:05 PM Punjab & Sind Bank - Quaterly Results 10 May, 7:51 PM Punjab & Sind Bank - Quaterly Results 10 May, 7:51 PM Punjab & Sind Bank informs about EGM 7 May, 2:52 PM Punjab & Sindh Bank informs about compliance certificate 12 Apr, 4:05 PM Punjab & Sind Bank informs about credit rating 5 Mar, 5:18 PM Punjab & Sind Bank - Quaterly Results 31 Jan, 6:11 PM Punjab & Sind Bank - Quaterly Results 31 Jan, 6:11 PM Punjab & Sind Bank informs about change in directorate 20 Dec, 2:19 PM Punjab & Sind Bank reports 37% fall in Q2 net profit 4 Nov, 11:00 AM Punjab & Sind Bank - Quaterly Results 3 Nov, 7:04 PM Punjab & Sind Bank - Quaterly Results 3 Nov, 7:04 PM Punjab & Sind Bank informs about board meeting 27 Oct, 4:44 PM RBI imposes penalty of Rs 1 crore on Punjab & Sind Bank 26 Sep, 11:18 AM Punjab & Sind Bank plans to raise Rs 250 crore via share sale to institutional investors 4 Sep, 10:42 AM Punjab & Sind Bank planning to double ATM network in next two years 16 Aug, 12:44 PM Punjab & Sind Bank planning to foray into mutual fund space 7 Aug, 11:12 AM Punjab & Sind reports 25% fall in Q1 net profit 5 Aug, 5:02 PM Punjab & Sind Bank - Quaterly Results 5 Aug, 2:52 PM Punjab & Sind Bank - Quaterly Results 5 Aug, 2:52 PM Punjab & Sind Bank - Quaterly Results 5 Aug, 2:52 PM Punjab & Sind Bank informs about non-convertible bonds 3 Jul, 2:35 PM Punjab & Sind Bank informs about disclosure 26 Jun, 5:05 PM Punjab & Sind Bank gets approval to raise capital up to Rs 750 crore 13 Jun, 11:18 AM Punjab & Sind Bank informs about newspaper publication 9 Jun, 5:17 PM Punjab & Sind Bank informs about board meeting 7 Jun, 5:00 PM Punjab & Sind Bank planning to raise funds through bonds 7 Jun, 4:21 PM Punjab & Sind Bank reports 32% rise in Q4 net profit 2 May, 4:00 PM Punjab & Sind Bank - Quaterly Results 2 May, 3:26 PM Punjab & Sind Bank - Quaterly Results 2 May, 3:26 PM Punjab & Sind Bank - Quaterly Results 2 May, 3:26 PM Punjab & Sind Bank reports 7.37% rise in total deposits during Q4FY23 6 Apr, 2:30 PM Punjab & Sind Bank informs about updates 3 Apr, 5:11 PM Punjab & Sind Bank informs about closure of trading window 28 Mar, 5:05 PM Punjab & Sind Bank informs about credit rating 9 Mar, 5:11 PM Punjab & Sind Bank eyeing Rs 500 crore recovery from NPAs in fourth quarter 30 Jan, 12:11 PM Punjab & Sind Bank reports 24% rise in Q3 net profit 21 Jan, 4:52 PM Punjab & Sind Bank - Quaterly Results 21 Jan, 3:50 PM Punjab & Sind Bank - Quaterly Results 21 Jan, 3:50 PM

Punjab & Sind Bank Stock Price Analysis and Quick Research Report. Is Punjab & Sind Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Punjab & Sind Bank is performing and if it is the right time to buy the stock of Punjab & Sind Bank with detailed analysis. Punjab & Sind Bank stock price today is Rs 46.99.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Punjab & Sind Bank has earned Rs 9693.9756 Cr. revenue in the latest financial year. Punjab & Sind Bank has posted decent revenue growth of 11.6026812432043 % in last 3 Years.

  • In terms of advances, Punjab & Sind Bank reported 7.7024 % YOY,  rise . If you see 3 years advance growth, it stands at 10.72881142726 %.

  • Currently, Punjab & Sind Bank has a CASA ratio of 32.4164 %. It’s overall cost of liability stands at 5.3049 %. Also, the total deposits from these accounts stood at Rs 119409.5543 Cr.

  • Punjab & Sind Bank has a average ROA track record. The ROA of Punjab & Sind Bank is at 0.4191 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Punjab & Sind Bank stood at 5.43 % and 1.63 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -214.152652401092 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Punjab & Sind Bank surged and is currently at Rs 1221.4692 Cr.

  • Punjab & Sind Bank has a Good Capital Adequacy Ratio of 17.16 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Punjab & Sind Bank is trading at a P/B of 2.9915 . The historical average PB was 1.19004818052016.

  • Share Price: - The current share price of Punjab & Sind Bank is Rs 46.99. One can use valuation calculators of ticker to know if Punjab & Sind Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Punjab & Sind Bank

Punjab & Sind Bank Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

Punjab & Sind Bank is a leading public sector bank in India. As a long-term stock investor looking for stock analysis, it is important to understand the company's performance in terms of share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders. Ticker provides pre-built screening tools and premium features that allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Punjab & Sind Bank Share Price

Punjab & Sind Bank's share price is an important indicator of the company's performance in the stock market. It is influenced by various factors such as market conditions, company news, and investor sentiment. As a long-term investor, it's important to look beyond short-term fluctuations and focus on the company's fundamentals. 

Punjab & Sind Bank Balance Sheet

Punjab & Sind Bank's balance sheet is a snapshot of the company's financial position at a given point in time. It provides information about the company's assets, liabilities, and equity. Ticker premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help you analyze the company's financial performance and make informed investment decisions.

Punjab & Sind Bank Annual Report

Punjab & Sind Bank's annual report is a comprehensive document that provides information about the company's financial performance, operations, and future plans. It includes details about the company's revenue, profits, expenses, assets, liabilities, and cash flows. Ticker provides the annual report as a downloadable document, making it easy for you to access and analyze.

Punjab & Sind Bank Dividend

Punjab & Sind Bank has a track record of paying dividends to its shareholders. As a long-term investor, it's important to consider the company's dividend history and policy, as it can impact your investment returns. Our pre-built screening tools allow you to analyze the company's dividend payout ratio over time.

Punjab & Sind Bank Quarterly Result

Punjab & Sind Bank's quarterly results provide information about the company's financial performance over a three-month period. Ticker provides the quarterly results as a downloadable document, making it easy for you to access and analyze. Ticker premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Punjab & Sind Bank Stock Price

Punjab & Sind Bank's stock price is an important indicator of the company's performance in the stock market. It is influenced by various factors such as market conditions, company news, and investor sentiment. Ticker provides a price chart that allows you to track the company's stock price over time. You can use this information to make informed investment decisions. Our pre-built screening tools allow you to analyze the company's stock price over time using price charts and compare it with other companies in the same industry.

Punjab & Sind Bank Price Chart

Punjab & Sind Bank's price chart provides a visual representation of the company's stock price over time. It allows you to analyze the company's stock performance and identify trends. Ticker provides a pre-built screening tool that allows you to compare Punjab & Sind Bank's stock price with that of other companies in the same industry.

Punjab & Sind Bank News

Punjab & Sind Bank's news section provides the latest updates about the company's operations, financial performance, and other relevant news. Ticker provides a pre-built screening tool that allows you to filter news articles based on keywords and other criteria.

Punjab & Sind Bank Concall

Punjab & Sind Bank's concall provides an opportunity for investors and analysts to interact with the company's management and ask questions about the company's operations and financial performance. Ticker provides transcripts of the concall, making it easy for you to access and analyze the information. 

Punjab & Sind Bank Transcripts

Punjab & Sind Bank's transcripts provide a detailed record of the company's concall, investor presentations, and other events. Ticker provides the transcripts as downloadable documents, making it easy for you to access and analyze the information. Ticker premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Punjab & Sind Bank Investor Presentations

Punjab & Sind Bank's investor presentations provide information about the company's operations, financial performance, and future plans. Ticker provides the investor presentations as downloadable documents, making it easy for you to access and analyze the information. Our premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Punjab & Sind Bank Promoters

Punjab & Sind Bank's promoters are the Government of India and other public sector banks. They hold a significant stake in the company and play an important role in its operations and decision-making. As a long-term investor, it's important to consider the company's promoter composition and their interests, as it can impact the company's decision-making and performance.

Punjab & Sind Bank Shareholders

Punjab & Sind Bank's shareholders include retail investors, institutional investors, and the company's promoters. As a long-term investor, it's important to consider the company's shareholder composition and their interests, as it can impact the company's decision-making and performance. 

Punjab & Sind Bank ROCE

Punjab & Sind Bank ROCE (Return on Capital Employed) is a critical financial metric that provides insights into the company's profitability in relation to the capital it utilizes. Access the ROCE data available in the financials table or ratio section above to assess how effectively Punjab & Sind Bank generates returns on its capital investments. The ROCE ratio is an important indicator that helps evaluate the bank's efficiency and profitability, offering valuable information for stock analysis.

Punjab & Sind Bank EBITDA

Punjab & Sind Bank EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a vital financial measure that reflects the bank's operational profitability. Excluding non-operating expenses, EBITDA data available in the financials table or ratio section above provides valuable insights into Punjab & Sind Bank's core business performance and operational efficiency.

Punjab & Sind Bank DPS

Punjab & Sind Bank DPS (Dividends Per Share) depicts the cash distributed to shareholders for each share held in the company. Investors can find the DPS data for Punjab & Sind Bank in the financials table or ratio section above, allowing them to assess the bank's dividend policy and potential returns. This metric is particularly important for income-seeking investors who rely on regular dividend payments.

Punjab & Sind Bank EPS

Punjab & Sind Bank EPS (Earnings Per Share) is a fundamental metric indicating the bank's profitability on a per-share basis. By analyzing the EPS data available in the financials table or ratio section above, investors can assess Punjab & Sind Bank's earning potential and performance, offering valuable insights for stock analysis.

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