Punjab & Sind Bank
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Punjab & Sind Bank share price

Punjab & Sind Bank

NSE: PSB BSE: 533295 SECTOR: Bank - Public  86.64 K   181   41

30.93
-0.20 (-0.64%)
BSE: 24 Jul 04:01 PM

Price Summary

Today's High

₹ 31.57

Today's Low

₹ 30.66

52 Week High

₹ 73.62

52 Week Low

₹ 25.29

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 21946.65 Cr.

CASA %

31.43

No. of Shares

709.56 Cr.

P/E

19.89

P/B

1.74

Face Value

₹ 10

Div. Yield

0.23 %

Book Value (TTM)

₹  17.75

Net Interest Income

₹ 3783.66 Cr.

Cost To Income %

61.23

Promoter Holding

93.85 %

EPS (TTM)

₹  1.56

CAR %

17.41

ROE

7.59 %

ROCE

7.4%

Profit Growth

70.61 %

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* 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

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PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year7.59%
3 Year7.12%
5 Year-2.72%

ROA%

1 Year0.66%
3 Year0.7%
5 Year0.08%

Net NPA%

1 Year0.96%
3 Year1.48%
5 Year2.24%

 NIM

1 Year2.47%
3 Year2.28%
5 Year2.29%

CAR %

17.41

Cost of Liabilities %

5.3455

PEG Ratio

0.32

Advances Growth %

17.6023

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 93.85 0.00
Mar 2025 93.85 0.00
Dec 2024 98.25 0.00
Sep 2024 98.25 0.00
Jun 2024 98.25 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.41%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.698433333333333%
  • CASA Growth of -0.984900000000003% YoY, which is very low.
  • Company has a low ROE of 7.1237% over the last 3 years.
  • High Cost to income ratio of 61.2259%.
  • The company has delivered poor Profit Growth of -0.750647230532842% over the past 3 years.
  • Increase in Provision and contingencies of 280.172564021922% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 2652.27 2738.95 2931.14 3158.94 2910.66
Other Income 193.75 358.91 338.23 676.76 468.73
Interest Expended 1802.24 1866.1 1992.38 2036.92 2010.25
Operating Expenses 727.18 773.81 793.01 982.39 829.04
Total Provisions 103.38 150.64 109.33 374.02 217.08
Profit Before Tax 213.22 307.31 374.65 442.37 323.02
Tax 31.72 67.72 92.69 129.59 53.86
Net Profit 181.5 239.59 281.96 312.78 269.16
Net NPA % 1.59 1.46 1.25 0.96 0.91
Gross NPA % 4.72 4.21 3.83 3.38 3.34
Return on Assets % 0.5 0.65 0.73 0.79 0.67
NPM % 6.84 8.75 9.62 9.9 9.25

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 6973.91 7095.81 7992.73 9693.98 11481.3
Other Income 903.61 959.38 939.96 1221.47 1567.65
Interest Expended 4712 4444.5 5019.35 6852.93 7697.64
Operating Expenses 2393.5 2280.6 2463.4 2931.57 3276.39
Total Provisions 4176.27 143.41 -169.91 193.96 737.37
Profit Before Tax -3404.24 1186.68 1619.85 936.98 1337.55
Taxes -671.34 147.63 306.82 341.56 321.72
Net Profit -2732.9 1039.05 1313.03 595.42 1015.83
Adjusted EPS (Rs.) -6.74 1.53 1.94 0.88 1.43

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 4052.67 6777.79 6777.79 6777.79 7095.59
Total Reserves 4310.35 7232.8 8330.72 8755.64 6259.17
Deposits 96108.18 102137.01 109665.49 119409.55 129774.02
Borrowings 2643.55 2443.63 9018.38 9770.86 14229.52
Other Liabilities 3367.14 2476.31 2662.14 2942.69 4456.87
Total Liabilities 110481.89 121067.55 136454.52 147656.53 161815.17
Assets
Balance with RBI 7208.52 6139.24 6225.4 7312.46 8793.8
Balance with Banks 1130.93 148.99 71.32 70.55 26.26
Investments 32022.77 42280.87 44838.42 49599.16 46912.31
Advances 60941.7 63626.56 76819.43 82736.38 97299.9
Net Block 1584.91 1577.44 1519.42 1755.78 1778.86
Other Assets 7593.05 7294.44 6980.52 6182.2 7004.03
Total Assets 110481.89 121067.55 136454.52 147656.53 161815.17
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 98.25 98.25 98.25 93.85 93.85
president of india 98.25 98.25 98.25 93.85 93.85
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2025% Jun 2025%
investors 2.93 2.93 2.93 6.15 6.15
life insurance corporatio... 1.04 1.04 1.04 1.33 1.33
llp 0.01 - - - -
life insurance corporatio... 1.04 1.04 1.04 1.33 1.33

Annual Reports

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Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

TYPE QUARTER Link
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Concall Q4FY24
Concall Q3FY25
Concall Q3FY24
Concall Q1FY25
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Presentation Q1FY25
Presentation Q1FY23
Presentation Q1FY22

Company News

Punjab & Sind Bank reports 48% rise in Q1 net profit 21 Jul, 12:30 PM Punjab & Sind Bank - Quaterly Results 19 Jul, 3:43 PM Punjab & Sind Bank - Quaterly Results 19 Jul, 3:43 PM Punjab & Sind Bank - Quaterly Results 19 Jul, 3:43 PM Punjab & Sind Bank reports over two-fold jump in Q4 net profit 30 Apr, 5:19 PM Punjab & Sind Bank - Quaterly Results 29 Apr, 10:09 PM Punjab & Sind Bank - Quaterly Results 29 Apr, 10:09 PM Punjab Sind Bank informs about secretarial compliance report 29 Apr, 3:46 PM Punjab & Sind Bank informs about updates 10 Apr, 10:58 AM Punjab and Sind Bank informs about centralized database for corporate bonds 7 Apr, 4:30 PM Punjab & Sind Bank enters into co-lending partnership with Piramal Finance 19 Mar, 3:29 PM Punjab & Sind Bank informs about credit rating 3 Mar, 5:15 PM Punjab & Sind Bank reports over 2-fold jump in Q3 net profit 16 Jan, 11:30 AM Punjab & Sind Bank informs about press release 16 Jan, 11:07 AM Punjab & Sind Bank - Quaterly Results 15 Jan, 6:19 PM Punjab & Sind Bank - Quaterly Results 15 Jan, 6:19 PM Punjab & Sind Bank to launch instant loan scheme for MSME sector 6 Jan, 10:30 AM 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 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 30.87.

  •  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 11481.3003 Cr. revenue in the latest financial year. Punjab & Sind Bank has posted outstanding revenue growth of 17.3984416220933 % in last 3 Years.

  • In terms of advances, Punjab & Sind Bank reported 17.6023 % YOY,  rise . If you see 3 years advance growth, it stands at 15.210301948317 %.

  • Currently, Punjab & Sind Bank has a CASA ratio of 31.4315 %. It’s overall cost of liability stands at 5.3455 %. Also, the total deposits from these accounts stood at Rs 129774.0219 Cr.

  • Punjab & Sind Bank has a average ROA track record. The ROA of Punjab & Sind Bank is at 0.6565 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Punjab & Sind Bank stood at 3.38 % and 0.96 % 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 positive at 280.172564021922 % which means it has increased 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 1567.6508 Cr.

  • Punjab & Sind Bank has a Good Capital Adequacy Ratio of 17.41 .

  • 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 1.7415 . The historical average PB was 1.65894803346102.

  • Share Price: - The current share price of Punjab & Sind Bank is Rs 30.87. 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. 

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. 

Punjab & Sind Bank Share Capital Stability

Since March 2020, Punjab & Sind Bank's Share Capital has observed a significant rise from Rs 701.05 Cr. to Rs 6,777.79 Cr. by March 2024, stabilizing at the same figure from 2023 onwards.

Punjab & Sind Bank Reserve Fluctuations

The Total Reserves of Punjab & Sind Bank, which indicated a slight decrease in 2021 to Rs 4,310.35 Cr., have rebounded impressively to Rs 8,755.64 Cr. by March 2024, signaling stronger financial health.

Punjab & Sind Bank Borrowings Insight

Borrowings have shown varied trends; initially decreasing to Rs 2,443.63 Cr. in 2022 but escalating to Rs 9,770.86 Cr. by March 2024, suggesting a shift in the bank's financing strategy.

Punjab & Sind Bank Asset Growth

Total Assets of Punjab & Sind Bank have increased consistently from Rs 1,00,503.81 Cr. in March 2020 to Rs 1,47,656.53 Cr. in March 2024, with noteworthy growth in Investments and Advances, representing a robust asset base expansion.

This content provides an analysis of the Standalone Balance Sheet of Punjab & Sind Bank. These insights might be valuable for investors interested in sector performances or trends in the banking sector represented in various NSE BSE indices.

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