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Punjab & Sind Bank share price

Punjab & Sind Bank

NSE: PSB BSE: 533295 SECTOR: Bank - Public  52k   147   25

67.45
+1.45 (2.20%)
NSE: Today, 11:34 AM

Price Summary

Today's High

₹ 69.9

Today's Low

₹ 66

52 Week High

₹ 77.5

52 Week Low

₹ 23.1

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

45716.17 Cr.

CASA %

33.59

No. of Shares

677.78 Cr.

P/E

50.07

P/B

3.19

Face Value

₹ 10

Div. Yield

0.73 %

Book Value (TTM)

₹  21.14

Net Interest Income

2973.38 Cr.

Cost To Income %

62.95

Promoter Holding

98.25 %

EPS (TTM)

₹  1.35

CAR %

17.1

ROE

9.62 %

ROCE

9.47%

Profit Growth

26.37 %

* 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 Year9.62%
3 Year-8.46%
5 Year-11.42%

ROA%

1 Year1.02%
3 Year-0.22%
5 Year-0.42%

Net NPA%

1 Year1.84%
3 Year2.87%
5 Year4.77%

 NIM

1 Year2.32%
3 Year2.31%
5 Year2.28%

CAR %

17.1

Cost of Liabilities %

4.22917694263453

PEG Ratio

1.9

Advances Growth %

20.7348414947599

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 98.25 0
Sep 2023 98.25 0
Jun 2023 98.25 0
Mar 2023 98.25 0
Dec 2022 98.25 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.1%.
  • The company has delivered good Profit growth of 49.2589121373562% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -0.224460628969948%
  • CASA Growth of -0.219201291190501% YoY, which is very low.
  • Company has a low ROE of -8.45518288119726% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.87333333333333%.
  • Low other Income proportion of 11.7601887635058%.
  • High Cost to income ratio of 62.9488227283661%.
  • The company has delivered poor Income growth of 0.264990508326246% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 2107.44 2104.94 2315.79 2405.89 2491.03
Other Income 137.63 547.04 178.58 268.26 361.68
Interest Expended 1302.44 1421.16 1578.23 1731.01 1751.75
Operating Expenses 598.3 694.81 658.8 682.88 823.97
Total Provisions -207.46 -57.12 23.1 -34.99 96.29
Profit Before Tax 551.79 593.13 234.24 295.25 180.7
Tax 178.55 136.14 81.57 106.16 66.39
Net Profit 373.24 456.99 152.67 189.09 114.31
Net NPA % 2.02 1.84 1.95 1.88 1.8
Gross NPA % 8.36 6.97 6.8 6.23 5.7
Return on Assets % 1.11 1.33 0.43 0.52 0.31
NPM % 17.71 21.71 6.59 7.86 4.59

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 8558.67 7929.53 6973.91 7095.81 7992.73
Other Income 828.28 897.4 903.61 959.38 939.96
Interest Expended 6278.97 5871.98 4712 4444.5 5019.35
Operating Expenses 1711.12 1858.03 2393.5 2280.6 2463.4
Total Provisions 2168.4 2619.27 4176.27 143.41 -169.91
Profit Before Tax -771.54 -1522.36 -3404.24 1186.68 1619.85
Taxes -228.06 -531.56 -671.34 147.63 306.82
Net Profit -543.48 -990.8 -2732.9 1039.05 1313.03
Adjusted EPS (Rs.) -9.62 -14.13 -6.74 1.53 1.94

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 564.91 701.05 4052.67 6777.79 6777.79
Total Reserves 5136.49 4895.34 4310.35 7232.8 8330.72
Deposits 98557.6 89667.55 96108.18 102137.01 109665.49
Borrowings 2714 3213.05 2643.55 2443.63 9018.38
Other Liabilities 2009.04 2026.81 3367.14 2476.31 2662.14
Total Liabilities 108982.05 100503.81 110481.89 121067.55 136454.52
Assets
Balance with RBI 4941.08 9488.4 7208.52 6139.24 6225.4
Balance with Banks 1677.14 89.85 1130.93 148.99 71.32
Investments 26172.93 24552.1 32022.77 42280.87 44838.42
Advances 69175.53 58411.91 60941.7 63626.56 76819.43
Net Block 1230.38 1240.83 1584.91 1577.44 1519.42
Other Assets 5784.98 6720.72 7593.05 7294.44 6980.52
Total Assets 108982.05 100503.81 110481.89 121067.55 136454.52
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
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

Annual Reports

Ratings & Research Reports

Company Presentations

  • ConcallQ3FY24 12 Feb 2024
  • PresentationQ4FY21 23 May 2021
  • PresentationQ3FY22 11 Feb 2022
  • PresentationQ3FY20 24 Sep 2020
  • PresentationQ1FY23 4 Aug 2022
  • PresentationQ1FY22 4 Aug 2021

Company News

Punjab & Sind Bank - Quaterly Results31 Jan 2024, 6:11PM Punjab & Sind Bank - Quaterly Results31 Jan 2024, 6:11PM Punjab & Sind Bank informs about change in directorate20 Dec 2023, 2:19PM Punjab & Sind Bank reports 37% fall in Q2 net profit4 Nov 2023, 11:00AM Punjab & Sind Bank - Quaterly Results3 Nov 2023, 7:04PM Punjab & Sind Bank - Quaterly Results3 Nov 2023, 7:04PM Punjab & Sind Bank informs about board meeting27 Oct 2023, 4:44PM RBI imposes penalty of Rs 1 crore on Punjab & Sind Bank26 Sep 2023, 11:18AM Punjab & Sind Bank plans to raise Rs 250 crore via share sale to institutional investors4 Sep 2023, 10:42AM Punjab & Sind Bank planning to double ATM network in next two years16 Aug 2023, 12:44PM Punjab & Sind Bank planning to foray into mutual fund space7 Aug 2023, 11:12AM Punjab & Sind reports 25% fall in Q1 net profit5 Aug 2023, 5:02PM Punjab & Sind Bank - Quaterly Results5 Aug 2023, 2:52PM Punjab & Sind Bank - Quaterly Results5 Aug 2023, 2:52PM Punjab & Sind Bank - Quaterly Results5 Aug 2023, 2:52PM Punjab & Sind Bank informs about non-convertible bonds3 Jul 2023, 2:35PM Punjab & Sind Bank informs about disclosure26 Jun 2023, 5:05PM Punjab & Sind Bank gets approval to raise capital up to Rs 750 crore13 Jun 2023, 11:18AM Punjab & Sind Bank informs about newspaper publication 9 Jun 2023, 5:17PM Punjab & Sind Bank informs about board meeting7 Jun 2023, 5:00PM Punjab & Sind Bank planning to raise funds through bonds 7 Jun 2023, 4:21PM Punjab & Sind Bank reports 32% rise in Q4 net profit2 May 2023, 4:00PM Punjab & Sind Bank - Quaterly Results2 May 2023, 3:26PM Punjab & Sind Bank - Quaterly Results2 May 2023, 3:26PM Punjab & Sind Bank - Quaterly Results2 May 2023, 3:26PM Punjab & Sind Bank reports 7.37% rise in total deposits during Q4FY236 Apr 2023, 2:30PM Punjab & Sind Bank informs about updates3 Apr 2023, 5:11PM Punjab & Sind Bank informs about closure of trading window28 Mar 2023, 5:05PM Punjab & Sind Bank informs about credit rating9 Mar 2023, 5:11PM Punjab & Sind Bank eyeing Rs 500 crore recovery from NPAs in fourth quarter30 Jan 2023, 12:11PM Punjab & Sind Bank reports 24% rise in Q3 net profit21 Jan 2023, 4:52PM Punjab & Sind Bank - Quaterly Results21 Jan 2023, 3:50PM Punjab & Sind Bank - Quaterly Results21 Jan 2023, 3:50PM Punjab & Sind Bank - Quaterly Results21 Jan 2023, 3:50PM Punjab & Sind Bank, Bajaj Allianz Life Insurance enter into corporate agency partnership13 Jan 2023, 11:50AM Punjab & Sind Bank records 17% growth in gross advances during Q3FY234 Jan 2023, 11:42AM Punjab & Sind Bank informs about interest payment of bonds 3 Jan 2023, 3:06PM Punjab & Sind Bank, SBI Card launch Co-brand Credit Cards30 Dec 2022, 11:30AM Punjab & Sind Bank informs about trading window closure28 Dec 2022, 2:11PM Punjab & Sind Bank planning to raise funds through various modes 27 Dec 2022, 6:05PM Punjab & Sind Bank aiming CASA ratio of 35% by end of ongoing fiscal 6 Dec 2022, 11:17AM Punjab & Sind Bank eyeing to clock net profit of around Rs 1,100 crore in FY2321 Nov 2022, 11:09AM Punjab & Sind Bank reports 27% rise in Q2 net profit5 Nov 2022, 4:08PM Punjab & Sind Bank informs about investor presentation5 Nov 2022, 3:35PM Punjab & Sind Bank - Quaterly Results5 Nov 2022, 12:13PM Punjab & Sind Bank - Quaterly Results5 Nov 2022, 12:13PM Punjab & Sind Bank - Quaterly Results5 Nov 2022, 12:13PM Punjab & Sind Bank informs about appointment of CFO1 Sep 2022, 4:56PM Punjab & Sind Bank informs about crisil ratings29 Aug 2022, 10:37AM Punjab & Sind Bank reports 18% rise in Q1 net profit2 Aug 2022, 2:27PM

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.

  •  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 7992.7314 Cr. revenue in the latest financial year. Punjab & Sind Bank has posted Poor revenue growth of 0.264990508326246 % in last 3 Years.

  • In terms of advances, Punjab & Sind Bank reported 20.7348414947599 % YOY,  rise . If you see 3 years advance growth, it stands at 9.56114442685325 %.

  • Currently, Punjab & Sind Bank has a CASA ratio of 33.5867797608892 %. It’s overall cost of liability stands at 4.22917694263453 %. Also, the total deposits from these accounts stood at Rs 109665.49 Cr.

  • Punjab & Sind Bank has a Poor ROA track record. The ROA of Punjab & Sind Bank is at 1.0197409749397 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Punjab & Sind Bank stood at 6.97 % and 1.84 % 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 -218.482015035644 % 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 decreased and is currently at Rs 939.9603 Cr.

  • Punjab & Sind Bank has a Good Capital Adequacy Ratio of 17.1 .

  • 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 3.1289 . The historical average PB was 0.70403572406253.

  • Share Price: - The current share price of Punjab & Sind Bank is Rs 68.25. One can use valuation calculators of ticker to know if Punjab & Sind Bank share price is undervalued or overvalued.

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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. 

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