Punjab & Sind Bank

₹57.1 -0.3 | 0.6%

WEBSITE BSE:533295 NSE : PUNJABNSIND 10 May, 16:01

Market Cap ₹38701 Cr.

Stock P/E 65.0

P/B 2.7

Current Price ₹57.1

Book Value ₹ 21.3

Face Value 10

52W High ₹77.5

Dividend Yield 0.35%

52W Low ₹ 29.4

Edit Ratio

Punjab & Sind Bank Research see more...

Overview Inc. Year: 1980Industry: Bank - Public

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).

Punjab & Sind Bank Share Price

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Punjab & Sind Bank Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Interest Earned	1871	1793	1800	1980	2107	2105	2316	2406	2491	2481
Other Income	171	215	115	140	138	547	179	268	362	413
Total Income	2042	2008	1915	2120	2245	2652	2494	2674	2853	2894
Interest Expense	1114	1096	1091	1205	1302	1421	1578	1731	1752	1792
Operating Expenditure	596	595	572	598	598	695	659	683	824	766
Provisions and contingencies	26	-132	-30	125	-207	-57	23	-35	96	110
Operating Profit	306	449	282	193	552	593	234	295	181	227
Profit Before Tax	306	449	282	193	552	593	234	295	181	227
Provision for Tax	5	103	78	-85	179	136	82	106	66	87
Profit After Tax	301	346	205	278	373	457	153	189	114	139
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	301	346	205	278	373	457	153	189	114	139
Adjusted Earnings Per Share	0.7	0.5	0.3	0.4	0.6	0.7	0.2	0.3	0.2	0.2

Punjab & Sind Bank Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Interest Earned	7340	7973	8589	8744	8173	7949	8559	7930	6974	7096	7993	9694
Other Income	394	427	429	478	578	581	828	897	904	959	940	1222
Total Income	7734	8400	9017	9223	8751	8530	9387	8827	7878	8055	8933	10915
Interest Expense	5699	6352	6909	6569	6014	5714	6279	5872	4712	4444	5019	6853
Operating Expenditure	1096	1247	1332	1384	1496	1672	1711	1858	2393	2281	2463	2932
Provisions and contingencies	452	370	484	600	1190	1982	2168	2619	4176	143	-170	194
Operating Profit	487	430	291	670	52	-837	-772	-1522	-3404	1187	1620	937
Profit Before Tax	487	430	291	670	52	-837	-772	-1522	-3404	1187	1620	937
Provision for Tax	147	130	170	334	-149	-94	-228	-532	-671	148	307	341
Profit After Tax	339	301	121	336	201	-744	-543	-991	-2733	1039	1313	595
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	339	301	121	336	201	-744	-543	-991	-2733	1039	1313	595
Adjusted Earnings Per Share	12.7	10.3	3	8.4	5	-13.2	-9.6	-14.1	-6.7	1.5	1.9	0.9

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	13%	0%	0%	1%
Operating Profit CAGR	36%	0%	0%	13%
PAT CAGR	26%	0%	0%	15%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	81%	44%	16%	2%
ROE Average	10%	-8%	-11%	-4%
ROCE Average	9%	-4%	-6%	0%

Punjab & Sind Bank Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	4604	5011	5596	5970	6142	6183	5701	5596	8363	14011	15109
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	70642	84730	86715	91250	85540	101726	98558	89668	96108	102137	109665
Borrowings	2540	2305	3048	2839	2958	3683	2714	3213	2644	2444	9018
Other Liabilities & Provisions	2692	2463	2394	2522	2002	2167	2009	2027	3367	2476	2662
Total Liabilities	80478	94509	97753	102581	96643	113759	108982	100504	110482	121068	136455
Cash and balance with RBI	3249	4834	3756	3823	4365	6256	4941	9488	7209	6139	6225
Bank Balance	830	1490	463	1080	225	876	1677	90	1131	149	71
Investments	22542	28294	24007	27645	27949	32982	26173	24552	32023	42281	44838
Advances	51431	57239	63870	63916	58335	66569	69176	58412	60942	63627	76819
Fixed Assets	844	1003	995	1133	1095	1083	1230	1241	1585	1577	1519
Other Assets	1581	1648	4662	4984	4675	5993	5785	6721	7593	7294	6981
Total Assets	80478	94509	97753	102581	96643	113759	108982	100504	110482	121068	136455

Punjab & Sind Bank Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	4315	4079	6325	4220	4903	4590	7133	6618	9578	8339	6288
Cash Flow from Operating Activities	-26	2469	-1982	930	-495	1063	-97	2210	-5848	-5999	1428
Cash Flow from Investing Activities	-81	-58	-84	-38	-33	-51	-61	-63	-446	-121	-88
Cash Flow from Financing Activities	-129	-165	-39	-209	216	1531	-356	814	5055	4068	-1332
Net Cash Inflow / Outflow	-236	2246	-2105	683	-313	2543	-514	2960	-1239	-2051	8
Closing Cash & Cash Equivalent	4079	6325	4220	4903	4590	7133	6618	9578	8339	6288	6297

Punjab & Sind Bank Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	12.68	10.27	3.03	8.39	5.02	-13.17	-9.62	-14.13	-6.74	1.53	1.94
CEPS(Rs)	14.41	12.25	4.18	9.53	6.08	-12.03	-9.88	-13.36	-6.49	1.74	2.16
DPS(Rs)	2.68	2.2	0.6	1.65	0	0	0	0	0	0.31	0.48
Book NAV/Share(Rs)	145.56	144.6	120.17	126.57	131.59	94.45	84.47	66.65	18.37	19.31	20.95
Yield on Advances	14.27	13.93	13.45	13.68	14.01	11.94	12.37	13.58	11.44	11.15	10.4
Yield on Investments	7.28	7.09	8.92	7.37	9.01	8.22	10.15	9.76	7.15	5.74	5.49
Cost of Liabilities	7.79	7.3	7.7	6.98	6.8	5.42	6.2	6.32	4.77	4.25	4.23
NIM (Net Interest Margin)	2.1	1.76	1.82	2.26	2.38	2.1	2.24	2.22	2.23	2.36	2.32
Interest Spread	6.48	6.63	5.75	6.7	7.22	6.52	6.17	7.25	6.67	6.9	6.18
ROA(%)	0.44	0.34	0.13	0.34	0.2	-0.71	-0.49	-0.95	-2.59	0.9	1.02
ROE(%)	9.67	7.83	2.76	6.8	3.89	-14.03	-10.75	-20.98	-45.11	10.12	9.62
ROCE(%)	10.3	9.21	6.32	10.61	2.73	-5.65	-5.29	-14.64	-31.74	10.37	9.47
PER(x)	4.59	4.39	15.08	4.14	10.95	0	0	0	0	10.08	13.26
Price/Book(x)	0.4	0.31	0.38	0.27	0.42	0.37	0.37	0.17	0.96	0.8	1.23
Dividend Yield(%)	4.6	4.88	1.31	4.76	0	0	0	0	0	2.01	1.87
EV/Net Sales(x)	0.57	0.47	0.57	0.48	0.63	0.71	0.52	0.5	1.4	1.82	3.31
EV/Core EBITDA(x)	4.49	4.68	6.29	3.33	4.16	4.96	3.2	3.64	12.66	9.71	18.22
Interest Earned Growth(%)	13.37	8.62	7.72	1.81	-6.54	-2.74	7.67	-7.35	-12.05	1.75	12.64
Net Profit Growth	-24.83	-11.38	-59.63	176.87	-40.15	-469.89	26.93	-82.31	-175.83	138.02	26.37
Advances Growth	11.44	11.29	11.58	0.07	-8.73	14.12	3.91	-15.56	4.33	4.41	20.73
EPS Growth(%)	-31.27	-19.06	-70.48	176.87	-40.15	-362.18	26.93	-46.9	52.29	122.73	26.37
Loans/Deposits(x)	3.6	2.72	3.52	3.11	3.46	3.62	2.75	3.58	2.75	2.39	8.22
Cash/Deposits(x)	0.05	0.06	0.04	0.04	0.05	0.06	0.05	0.11	0.08	0.06	0.06
Current Ratio(x)	0.32	0.33	0.28	0.3	0.33	0.32	0.27	0.27	0.33	0.41	0.41
Quick Ratio(x)	3.6	2.72	3.52	3.11	3.46	3.62	2.75	3.58	2.75	2.39	8.22
CASA %	22.28	20.88	21.53	22.72	27.54	23.65	26.79	29.57	32.81	33.81	33.59

Punjab & Sind Bank Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	97.07	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25
FII	0.01	0	0	0.01	0	0.01	0	0.03	0.01	0.02
DII	1.07	0.64	0.65	0.66	0.68	0.67	0.66	0.68	0.65	0.65
Public	1.85	1.11	1.09	1.08	1.07	1.07	1.09	1.05	1.09	1.08
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	393.39	665.91	665.91	665.91	665.91	665.91	665.91	665.91	665.91	665.91
FII	0.04	0.03	0.03	0.07	0.01	0.08	0.01	0.17	0.06	0.13
DII	4.32	4.33	4.43	4.49	4.59	4.56	4.48	4.6	4.43	4.4
Public	7.52	7.51	7.41	7.32	7.27	7.23	7.39	7.1	7.39	7.34
Others	0	0	0	0	0	0	0	0	0	0
Total	405.27	677.78	677.78	677.78	677.78	677.78	677.78	677.78	677.78	677.78

Pros

Cons

Company has a low return on equity of -8% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Punjab & Sind Bank

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Punjab & Sind Bank Research see more...

Overview Inc. Year: 1980Industry: Bank - Public

Punjab & Sind Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Punjab & Sind Bank Quarterly Results

Punjab & Sind Bank Profit & Loss

Growth Rates

Punjab & Sind Bank Balance Sheet

Punjab & Sind Bank Cash Flow

Punjab & Sind Bank Ratios

Punjab & Sind Bank Shareholding Pattern

Punjab & Sind Bank News

Top Unlisted Companies & InstaBuy Companies

Fincare Small Finance Bank

IPO

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