Small Banks

Punjab & Sind Bank

PSB

₹32.92

0.3% (0.1)

Market Cap

₹23,352 Cr.

P/E

22.99

Punjab & Sind Bank

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on Punjab & Sind Bank Shareprice

Has the share price of Punjab & Sind Bank grown faster than its competition?

Punjab & Sind Bank has given lower returns compared to its competitors.
Punjab & Sind Bank has grown at ~-2.61% over the last 10yrs while peers have grown at a median rate of 0.49%

Is Punjab & Sind Bank stock expensive?

Yes, Punjab & Sind Bank is expensive.
Latest PE of Punjab & Sind Bank is 22.99, while 3 year average PE is 21.77.
Also latest Price to Book of Punjab & Sind Bank is 1.75 while 3yr average is 1.55.

View FAQ's On Business

Growth Table

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	-44.18	-0.20	31.73	11.83	18.31	3.68	1.78	-5.98	-4.96	-2.61
TTM EPS CAGR	62.84	-13.86	-2.41	—	—	—	—	-13.58	-18.25	-8.80
Sales CAGR	5.18	13.37	12.54	9.96	5.40	3.41	4.34	3.45	2.46	2.45
PAT Margin (Abs Growth)	-10.29	-8.50	45.33	18.64	12.49	15.50	3.68	2.30	4.73	2.37
PE CAGR	-65.72	15.86	34.99	—	—	—	—	8.79	16.26	6.79

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Assets	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815
Cash and balance with Reserve Bank of India	3,823	4,365	6,256	4,941	9,488	7,209	6,139	6,225	7,312	8,794
Balances with banks and money at call	1,080	225	876	1,677	89.85	1,131	149	71.32	70.55	26.26
Investments	27,645	27,949	32,982	26,173	24,552	32,023	42,281	44,838	49,599	46,912
Advances	63,916	58,335	66,569	69,176	58,412	60,942	63,627	76,819	82,736	97,300
Fixed Assets	1,133	1,095	1,083	1,230	1,241	1,585	1,577	1,519	1,756	1,779
Other Assets	4,984	4,675	5,993	5,785	6,721	7,593	7,294	6,981	6,182	7,004
Liabilities	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815
Shareholders Funds	5,970	6,142	6,183	5,701	5,596	8,363	14,011	15,109	15,533	13,355
Share Capital	400	400	565	565	701	4,053	6,778	6,778	6,778	7,096
Reserves	5,570	5,742	5,618	5,136	4,895	4,310	7,233	8,331	8,756	6,259
Deposits	91,250	85,540	1,01,726	98,558	89,668	96,108	1,02,137	1,09,665	1,19,410	1,29,774
Borrowings	2,839	2,958	3,683	2,714	3,213	2,644	2,444	9,018	9,771	14,230
Other Liabilities & Provisions	2,522	2,002	2,167	2,009	2,027	3,367	2,476	2,662	2,943	4,457

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Total Income	9,223	8,751	8,530	9,387	8,827	7,878	8,055	8,933	10,915	13,049
Interest Earned	8,744	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	11,481
Interest/Discount on advances/Bills	6,655	5,681	5,232	6,030	5,774	4,865	4,778	5,502	6,951	8,158
Other Income	478	578	581	828	897	904	959	940	1,221	1,568
Interest Expended	6,569	6,014	5,714	6,279	5,872	4,712	4,444	5,019	6,853	7,698
Operating_expenses	1,384	1,496	1,672	1,711	1,858	2,393	2,281	2,463	2,932	3,276
PPOP	1,270	1,242	1,145	1,397	1,097	772	1,330	1,450	1,131	2,075
Provisions and Contingencies	934	1,041	1,889	1,940	2,088	3,505	291	137	536	737
Net Profit	336	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016
Number of shares(Crs)	40.04	40.04	56.49	56.49	70.11	405	678	678	678	—
Dividend Payout Ratio(%)	19.66	0.00	0.00	0.00	0.00	0.00	20.22	24.78	22.77	—

TTM Values as of Mar 2025

Cash Flow

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash from Operating Activity	930	-495	1,063	-97.34	2,210	-5,848	-5,999	1,428	1,749	-2,293
Profit Before Tax	336	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016
Adjustments	1,080	1,218	2,206	2,172	2,375	3,851	660	400	791	-2,888
OCF Before Working Capital	1,416	1,419	1,462	1,628	1,384	1,119	1,699	1,713	1,387	-1,872
Working Capital Changes	-486	-2,250	-159	-1,504	1,188	-6,743	-8,551	-135	705	-1,083
Taxes Paid	—	337	-239	-222	-362	-224	854	-149	-342	662
Cash from Investing Activity	-37.89	-33.47	-51.39	-61.07	-63.39	-446	-121	-88.16	-229	-168
Net Fixed Assets Purchased	-37.93	-33.28	-51.28	-70.87	-64.35	-446	-121	-90.31	-229	-168
Fixed Assets Purchased	-37.93	-33.28	-51.28	-70.87	-64.35	-446	-121	-90.31	-229	-167
Fixed Assets Sold	—	—	—	—	—	—	—	—	—	-0.20
Investment Purchased	—	—	—	—	—	—	—	—	—	—
Investment Sold	—	—	—	—	—	—	—	—	—	—
Interest Recieved	—	—	—	—	—	—	—	—	—	—
Dividends Recieved	—	—	—	—	—	—	—	—	—	—
Subsidiary Investments	—	—	—	—	—	—	—	—	—	—
Cash from Financing Activity	-209	216	1,531	-356	814	5,055	4,068	-1,332	-434	3,898
Proceeds From Shares	—	—	—	—	—	—	—	—	—	—
Net Long Term Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Proceeds From Borrowings	—	—	—	—	—	—	—	—	—	—
Repayment From Borrowings	—	—	—	—	—	—	—	—	—	—
Interest Paid	—	—	—	—	—	—	—	—	—	-171
Dividend Paid	-79.52	—	—	—	—	—	—	-210	-325	-136
Net Cash Flow	683	-313	2,543	-514	2,960	-1,239	-2,051	8.50	1,086	1,437
Opening Cash & Cash Equivalents	4,220	4,903	4,590	7,133	6,618	9,578	8,339	6,288	6,297	7,383
Effect of FX	—	—	—	—	—	—	—	—	—	—
Closing Cash & Cash Equivalents	4,903	4,590	7,133	6,618	9,578	8,339	6,288	6,297	7,383	8,820
Free Cash Flow (est)	892	-529	1,012	-168	2,146	-6,294	-6,119	1,338	1,520	-2,461

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational Ratios
Gross NPA (%)	4.76	6.48	10.45	11.19	11.83	14.18	13.76	12.17	6.97	5.43
CASA Ratio (%)	21.53	22.72	27.54	23.65	26.79	29.57	32.81	33.81	33.59	32.42
CASA Amount (Crs)	18,670	20,729	23,560	24,060	26,407	26,517	31,530	34,528	36,833	38,708
Deposits (Crs)	86,715	91,250	85,540	1,01,726	98,558	89,668	96,108	1,02,137	1,09,665	1,19,410
CASA vs Total Liabilities (%)	19.10	20.21	24.38	21.15	24.23	26.38	28.54	28.52	26.99	26.22
CASA Amount (Crs)	18,670	20,729	23,560	24,060	26,407	26,517	31,530	34,528	36,833	38,708
Liabilities (Crs)	97,753	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657
Sales per Branch (Crs)	0.00	0.00	0.00	22.45	6.18	5.78	6.86	5.28	5.74	6.95
Total Income (Crs)	9,017	9,223	8,751	8,530	9,387	8,827	7,878	8,055	8,933	10,915
Number of Branches	0.00	0.00	0.00	380	1,519	1,527	1,148	1,527	1,555	1,571
Profitability Ratios
Net Interest Margin (%)	1.82	2.26	2.38	2.10	2.24	2.22	2.23	2.36	2.32	2.03
Return On Assets (%)	0.13	0.34	0.20	-0.71	-0.49	-0.95	-2.59	0.90	1.02	0.42
Net Profit (Crs)	121	336	201	-744	-543	-991	-2,733	1,039	1,313	595
Total Assets (Crs)	97,753	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657
Credit Deposit Ratio (%)	73.66	70.05	68.20	65.44	70.19	65.14	63.41	62.30	70.05	69.29
Credit (Crs)	63,870	63,916	58,335	66,569	69,176	58,412	60,942	63,627	76,819	82,736
Deposits (Crs)	86,715	91,250	85,540	1,01,726	98,558	89,668	96,108	1,02,137	1,09,665	1,19,410
ROE (%)	2.76	6.80	3.89	-14.03	-10.75	-20.98	-45.11	10.12	9.62	4.15
Net Profit Margin (%)	1.35	3.64	2.30	-8.72	-5.79	-11.22	-34.69	12.90	14.70	5.45
Asset Turnover Ratio	0.09	0.09	0.09	0.07	0.09	0.09	0.07	0.07	0.07	0.07
Equity Multiplier	17.47	17.18	15.73	18.40	19.11	17.96	13.21	8.64	9.03	9.51
EPS	3.03	8.39	5.02	-13.17	-9.62	-14.13	-6.74	1.53	1.94	0.88
Valuation Ratios
P/E	15.08	4.14	10.95	0.00	0.00	0.00	0.00	10.08	13.26	68.00
Price to Book Value	0.38	0.27	0.42	0.37	0.37	0.17	0.96	0.80	1.23	2.80
Book Value	5,596	5,970	6,142	6,183	5,701	5,596	8,363	14,011	15,109	15,533
Dividend Yield (%)	1.31	4.76	0.00	0.00	0.00	0.00	0.00	2.01	1.87	0.33

Quarterly Results

Punjab & Sind Bank
CentralBank of India
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UCO Bank
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In Rs. Cr.	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24	Mar'25
Total Income	2,245	2,652	2,494	2,674	2,853	2,894	2,846	3,098	3,269	3,836
Interest Earned	2,107	2,105	2,316	2,406	2,491	2,481	2,652	2,739	2,931	3,159
Interest On Balances With RBI and Other Banks	9.02	5.13	4.85	5.06	6.33	5.79	2.47	3.78	6.18	4.60
Income from Investments	621	591	616	663	683	694	813	799	801	812
Interest/Discount on advances/Bills	1,434	1,491	1,678	1,721	1,785	1,768	1,825	1,898	2,104	2,331
Other Income	138	547	179	268	362	413	194	359	338	677
Interest Expended	1,302	1,421	1,578	1,731	1,752	1,792	1,802	1,866	1,992	2,037
Operating Expenses	598	695	659	683	824	766	727	774	793	982
Employee Cost	389	458	452	431	548	513	460	493	493	642
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General and Administration Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation and Amortization	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
PPOP	344	536	257	260	277	336	317	458	484	816
Provisions and Contingencies	-207	-57.12	23.10	-34.99	96.29	110	103	151	109	374
Profit Before Tax	552	593	234	295	181	227	213	307	375	442
Tax	179	136	81.57	106	66.39	87.44	31.72	67.72	92.69	130
Profit After Tax	373	457	153	189	114	139	182	240	282	313
Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	373	457	153	189	114	139	182	240	282	313
Quarterly Ratios
EPS	0.55	0.67	0.23	0.28	0.17	0.21	0.27	0.35	0.42	0.44
Operating Profit Margin	9.81	-0.52	3.40	-0.33	-3.40	-3.09	4.63	3.62	4.97	4.42
Net Profit Margin	17.71	21.71	6.59	7.86	4.59	5.62	6.84	8.75	9.62	9.90
Net Interest Margin	3.12	2.91	2.63	2.32	2.54	2.32	2.69	2.71	2.78	3.19
CASA Ratio	33.30	33.59	31.69	31.19	31.19	32.42	31.62	30.43	31.16	31.43
Gross NPA	8.36	6.97	6.80	6.23	5.70	5.43	4.72	4.21	3.83	3.38
Cost To Income Ratio	63.47	56.45	71.91	72.40	74.84	69.49	69.67	62.82	62.10	54.61

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

30.90%

Implied Growth Rate over a 5 year period*

10.00%

Implied Growth Rate over a 10 year period*

4.00%

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Raphson method.

Learn how to use Reverse DCF

FAQs on Punjab & Sind Bank Financials

How strong is Punjab & Sind Bank balance sheet?

Latest balance sheet of Punjab & Sind Bank is weak, and historically as well.

Is the profitablity of Punjab & Sind Bank improving?

The profit is oscillating.
The profit of Punjab & Sind Bank is ₹1,016 Crs for TTM, ₹595 Crs for Mar 2024 and ₹1,313 Crs for Mar 2023.

Does Punjab & Sind Bank pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
Punjab & Sind Bank latest dividend payout ratio is 22.77% and 3yr average dividend payout ratio is 22.59%

How has Punjab & Sind Bank allocated its funds?

Company has been allocating majority of new resources to productive uses like loans.
However relatively unproductive allocation like cash and Gov Securities has also increased.

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Punjab & Sind Bank

Punjab & Sind Bank

Has the share price of Punjab & Sind Bank grown faster than its competition?

Is Punjab & Sind Bank stock expensive?

How strong is Punjab & Sind Bank balance sheet?

Is the profitablity of Punjab & Sind Bank improving?

Does Punjab & Sind Bank pay decent dividends?

How has Punjab & Sind Bank allocated its funds?

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