WEBSITE BSE:533295 NSE: PUNJABNSIND Inc. Year: 1980 Industry: Bank - Public My Bucket: Add Stock
Last updated: 15:56
Punjab & Sind Bank is an primarily India based bank. The Bank's enterprise segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers domestic and international banking services. Its worldwide banking offerings comprises Non-Resident Indian (NRI) offerings, export/import services, foreign exchange (foreign exchange) treasury and gold card schemes, amongst others. The Bank's home banking offerings include deposits, along with savings account, recurring deposits and fixed deposi...Read More
Punjab & Sind Bank is an primarily India based bank. The Bank's enterprise segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers domestic and international banking services. Its worldwide banking offerings comprises Non-Resident Indian (NRI) offerings, export/import services, foreign exchange (foreign exchange) treasury and gold card schemes, amongst others. The Bank's home banking offerings include deposits, along with savings account, recurring deposits and fixed deposits, and advances, which includes private loans, housing loans, commercial vehicle schemes, debt restructuring, loan towards property (LAP) and different loans, amongst others. The Bank additionally gives locker facilities, Internet banking, online payment, cellular banking and SMS banking services. The Bank has a community of about 1,340 automated teller machines (ATMs). ...Read Less
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Market Cap ₹17909 Cr.
Stock P/E 17.6
P/B 1.4
Current Price ₹25.2
Book Value ₹ 18.1
Face Value 10
52W High ₹34.4
Dividend Yield 0.28%
52W Low ₹ 20.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 2406 | 2491 | 2481 | 2652 | 2739 | 2931 | 3159 | 2911 | 2999 | 3042 |
| Other Income | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 | 374 | 507 |
| Total Income | 2674 | 2853 | 2894 | 2846 | 3098 | 3269 | 3836 | 3379 | 3373 | 3549 |
| Interest Expense | 1731 | 1752 | 1792 | 1802 | 1866 | 1992 | 2037 | 2010 | 2049 | 2056 |
| Operating Expenditure | 683 | 824 | 766 | 727 | 774 | 793 | 982 | 829 | 819 | 899 |
| Provisions and contingencies | -35 | 96 | 110 | 103 | 151 | 109 | 374 | 217 | 148 | 138 |
| Operating Profit | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 |
| Profit Before Tax | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 |
| Provision for Tax | 106 | 66 | 87 | 32 | 68 | 93 | 130 | 54 | 63 | 120 |
| Profit After Tax | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 |
| Adjusted Earnings Per Share | 0.3 | 0.2 | 0.2 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 8589 | 8744 | 8173 | 7949 | 8559 | 7930 | 6974 | 7096 | 7993 | 9694 | 11481 | 12111 |
| Other Income | 429 | 478 | 578 | 581 | 828 | 897 | 904 | 959 | 940 | 1221 | 1568 | 2027 |
| Total Income | 9017 | 9223 | 8751 | 8530 | 9387 | 8827 | 7878 | 8055 | 8933 | 10915 | 13049 | 14137 |
| Interest Expense | 6909 | 6569 | 6014 | 5714 | 6279 | 5872 | 4712 | 4444 | 5019 | 6853 | 7698 | 8152 |
| Operating Expenditure | 1332 | 1384 | 1496 | 1672 | 1711 | 1858 | 2393 | 2281 | 2463 | 2932 | 3276 | 3529 |
| Provisions and contingencies | 484 | 600 | 1190 | 1982 | 2168 | 2619 | 4176 | 143 | -170 | 194 | 737 | 877 |
| Operating Profit | 291 | 670 | 52 | -837 | -772 | -1522 | -3404 | 1187 | 1620 | 937 | 1338 | 1578 |
| Profit Before Tax | 291 | 670 | 52 | -837 | -772 | -1522 | -3404 | 1187 | 1620 | 937 | 1338 | 1578 |
| Provision for Tax | 170 | 334 | -149 | -94 | -228 | -532 | -671 | 148 | 307 | 342 | 322 | 367 |
| Profit After Tax | 121 | 336 | 201 | -744 | -543 | -991 | -2733 | 1039 | 1313 | 595 | 1016 | 1213 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 121 | 336 | 201 | -744 | -543 | -991 | -2733 | 1039 | 1313 | 595 | 1016 | 1213 |
| Adjusted Earnings Per Share | 3 | 8.4 | 5 | -13.2 | -9.6 | -14.1 | -6.7 | 1.5 | 1.9 | 0.9 | 1.4 | 1.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 18% | 17% | 8% | 3% |
| Operating Profit CAGR | 43% | 4% | 0% | 16% |
| PAT CAGR | 71% | -1% | 0% | 24% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -10% | -8% | 8% | -3% |
| ROE Average | 8% | 7% | -3% | -4% |
| ROCE Average | 7% | 8% | 0% | -0% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 5596 | 5970 | 6142 | 6183 | 5701 | 5596 | 8363 | 14011 | 15109 | 15533 | 13355 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 86715 | 91250 | 85540 | 101726 | 98558 | 89668 | 96108 | 102137 | 109665 | 119410 | 129774 |
| Borrowings | 3048 | 2839 | 2958 | 3683 | 2714 | 3213 | 2644 | 2444 | 9018 | 9771 | 14230 |
| Other Liabilities & Provisions | 2394 | 2522 | 2002 | 2167 | 2009 | 2027 | 3367 | 2476 | 2662 | 2943 | 4457 |
| Total Liabilities | 97753 | 102581 | 96643 | 113759 | 108982 | 100504 | 110482 | 121068 | 136455 | 147657 | 161815 |
| Cash and balance with RBI | 3756 | 3823 | 4365 | 6256 | 4941 | 9488 | 7209 | 6139 | 6225 | 7312 | 8794 |
| Bank Balance | 463 | 1080 | 225 | 876 | 1677 | 90 | 1131 | 149 | 71 | 71 | 26 |
| Investments | 24007 | 27645 | 27949 | 32982 | 26173 | 24552 | 32023 | 42281 | 44838 | 49599 | 46912 |
| Advances | 63870 | 63916 | 58335 | 66569 | 69176 | 58412 | 60942 | 63627 | 76819 | 82736 | 97300 |
| Fixed Assets | 995 | 1133 | 1095 | 1083 | 1230 | 1241 | 1585 | 1577 | 1519 | 1756 | 1779 |
| Other Assets | 4662 | 4984 | 4675 | 5993 | 5785 | 6721 | 7593 | 7294 | 6981 | 6182 | 7004 |
| Total Assets | 97753 | 102581 | 96643 | 113759 | 108982 | 100504 | 110482 | 121068 | 136455 | 147657 | 161815 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 6325 | 4220 | 4903 | 4590 | 7133 | 6618 | 9578 | 8339 | 6288 | 6297 | 7383 |
| Cash Flow from Operating Activities | -1982 | 930 | -495 | 1063 | -97 | 2210 | -5848 | -5999 | 1428 | 1749 | -2294 |
| Cash Flow from Investing Activities | -84 | -38 | -33 | -51 | -61 | -63 | -446 | -121 | -88 | -229 | -168 |
| Cash Flow from Financing Activities | -39 | -209 | 216 | 1531 | -356 | 814 | 5055 | 4068 | -1332 | -434 | 3898 |
| Net Cash Inflow / Outflow | -2105 | 683 | -313 | 2543 | -514 | 2960 | -1239 | -2051 | 9 | 1086 | 1437 |
| Closing Cash & Cash Equivalent | 4220 | 4903 | 4590 | 7133 | 6618 | 9578 | 8339 | 6288 | 6297 | 7383 | 8820 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 3.03 | 8.39 | 5.02 | -13.17 | -9.62 | -14.13 | -6.74 | 1.53 | 1.94 | 0.88 | 1.43 |
| CEPS(Rs) | 4.18 | 9.53 | 6.08 | -12.03 | -9.88 | -13.36 | -6.49 | 1.74 | 2.16 | 1.1 | 1.64 |
| DPS(Rs) | 0.6 | 1.65 | 0 | 0 | 0 | 0 | 0 | 0.31 | 0.48 | 0.2 | 0.07 |
| Book NAV/Share(Rs) | 120.17 | 126.57 | 131.59 | 94.45 | 84.47 | 66.65 | 18.37 | 19.31 | 20.95 | 21.34 | 17.32 |
| Yield on Advances | 13.45 | 13.68 | 14.01 | 11.94 | 12.37 | 13.58 | 11.44 | 11.15 | 10.4 | 11.72 | 11.8 |
| Yield on Investments | 8.92 | 7.37 | 9.01 | 8.22 | 10.15 | 9.76 | 7.15 | 5.74 | 5.49 | 5.56 | 7.55 |
| Cost of Liabilities | 7.7 | 6.98 | 6.8 | 5.42 | 6.2 | 6.32 | 4.77 | 4.25 | 4.23 | 5.3 | 5.35 |
| NIM (Net Interest Margin) | 1.82 | 2.26 | 2.38 | 2.1 | 2.24 | 2.22 | 2.23 | 2.36 | 2.32 | 2.03 | 2.47 |
| Interest Spread | 5.75 | 6.7 | 7.22 | 6.52 | 6.17 | 7.25 | 6.67 | 6.9 | 6.18 | 6.41 | 6.45 |
| ROA(%) | 0.13 | 0.34 | 0.2 | -0.71 | -0.49 | -0.95 | -2.59 | 0.9 | 1.02 | 0.42 | 0.66 |
| ROE(%) | 2.76 | 6.8 | 3.89 | -14.03 | -10.75 | -20.98 | -45.11 | 10.12 | 9.62 | 4.15 | 7.59 |
| ROCE(%) | 6.32 | 10.61 | 2.73 | -5.65 | -5.29 | -14.64 | -31.74 | 10.37 | 9.47 | 5.98 | 7.4 |
| PER(x) | 15.08 | 4.14 | 10.95 | 0 | 0 | 0 | 0 | 10.08 | 13.26 | 68 | 30.39 |
| Price/Book(x) | 0.38 | 0.27 | 0.42 | 0.37 | 0.37 | 0.17 | 0.96 | 0.8 | 1.23 | 2.8 | 2.51 |
| Dividend Yield(%) | 1.31 | 4.76 | 0 | 0 | 0 | 0 | 0 | 2.01 | 1.87 | 0.33 | 0.16 |
| EV/Net Sales(x) | 0.57 | 0.48 | 0.63 | 0.71 | 0.52 | 0.5 | 1.4 | 1.82 | 3.31 | 5.18 | 3.93 |
| EV/Core EBITDA(x) | 6.29 | 3.33 | 4.16 | 4.96 | 3.2 | 3.64 | 12.66 | 9.71 | 18.22 | 44.44 | 21.74 |
| Interest Earned Growth(%) | 7.72 | 1.81 | -6.54 | -2.74 | 7.67 | -7.35 | -12.05 | 1.75 | 12.64 | 21.28 | 18.44 |
| Net Profit Growth | -59.63 | 176.87 | -40.15 | -469.89 | 26.93 | -82.31 | -175.83 | 138.02 | 26.37 | -54.65 | 70.61 |
| Advances Growth | 11.58 | 0.07 | -8.73 | 14.12 | 3.91 | -15.56 | 4.33 | 4.41 | 20.73 | 7.7 | 17.6 |
| EPS Growth(%) | -70.48 | 176.87 | -40.15 | -362.18 | 26.93 | -46.9 | 52.29 | 122.73 | 26.37 | -54.65 | 62.96 |
| Loans/Deposits(x) | 3.52 | 3.11 | 3.46 | 3.62 | 2.75 | 3.58 | 2.75 | 2.39 | 8.22 | 8.18 | 10.96 |
| Cash/Deposits(x) | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.11 | 0.08 | 0.06 | 0.06 | 0.06 | 0.07 |
| Current Ratio(x) | 0.28 | 0.3 | 0.33 | 0.32 | 0.27 | 0.27 | 0.33 | 0.41 | 0.41 | 0.42 | 0.36 |
| Quick Ratio(x) | 3.52 | 3.11 | 3.46 | 3.62 | 2.75 | 3.58 | 2.75 | 2.39 | 8.22 | 8.18 | 10.96 |
| CASA % | 21.53 | 22.72 | 27.54 | 23.65 | 26.79 | 29.57 | 32.81 | 33.81 | 33.59 | 32.42 | 31.43 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 93.85 | 93.85 | 93.85 | 93.85 | 93.85 |
| FII | 0.01 | 0.02 | 0 | 0 | 0 | 0.73 | 0.25 | 0.16 | 0.16 | 0.15 |
| DII | 0.65 | 0.65 | 0.65 | 0.65 | 0.65 | 4.26 | 4.06 | 4.04 | 4 | 3.91 |
| Public | 1.09 | 1.08 | 1.1 | 1.1 | 1.1 | 1.16 | 1.85 | 1.96 | 1.99 | 2.1 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 | 665.91 |
| FII | 0.06 | 0.13 | 0.01 | 0 | 0.03 | 5.21 | 1.74 | 1.12 | 1.16 | 1.06 |
| DII | 4.43 | 4.4 | 4.41 | 4.39 | 4.4 | 30.25 | 28.8 | 28.65 | 28.39 | 27.71 |
| Public | 7.39 | 7.34 | 7.45 | 7.48 | 7.44 | 8.2 | 13.11 | 13.89 | 14.11 | 14.88 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 677.78 | 677.78 | 677.78 | 677.78 | 677.78 | 709.56 | 709.56 | 709.56 | 709.56 | 709.56 |
* The pros and cons are machine generated.
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