Punjab & Sind Bank, 533295, PSB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

21,464.15
19.45
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

26,899.86
0.23%
1.70

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
-44.34
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

11.70
-
-8.20

PAT CAGR (%)

10 Years
5 Years
3 Years

1.61
2.21

P:E (Median)

8 Years
5 Years
3 Years

7.29
16.47
23.67

P:BV (Average)

8 Years
5 Years
3 Years

1.46
1.61
2.21

EV:EBITDA (Average)

8 Years
5 Years
3 Years

7.93
13.05
21.06

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 2,910.66 2,652.27 9.74% 3,158.94 2,481.27 27.31% 2,931.14 2,491.03 17.67% 2,738.95 2,405.89 13.84%
Interest Exp. 2,010.25 1,802.24 11.54% 2,036.92 1,791.95 13.67% 1,992.38 1,751.75 13.74% 1,866.10 1,731.01 7.80%
Net Interest Income 900.41 850.03 5.93% 1,122.02 689.32 62.77% 938.76 739.28 26.98% 872.85 674.88 29.33%
NIM 2.52 2.69 -6.32% 3.19 2.32 37.50% 2.78 2.54 9.45% 2.71 2.32 16.81%
Other Income 468.73 193.75 141.93% 676.76 412.95 63.88% 338.23 361.68 -6.48% 358.91 268.26 33.79%
Total Income 3,379.39 2,846.02 18.74% 3,835.70 2,894.22 32.53% 3,269.37 2,852.71 14.61% 3,097.86 2,674.15 15.84%
Operating Exp. 829.04 727.18 14.01% 982.39 765.92 28.26% 793.01 823.97 -3.76% 773.81 682.88 13.32%
Operating Profit 540.10 316.60 70.59% 816.39 336.35 142.72% 483.98 276.99 74.73% 457.95 260.26 75.96%
Provision 217.08 103.38 109.98% 374.02 109.56 241.38% 109.33 96.29 13.54% 150.64 -34.99 -
PBT 323.02 213.22 51.50% 442.37 226.79 95.06% 374.65 180.70 107.33% 307.31 295.25 4.08%
PBTM 11.10 8.04 38.06% 14.00 9.14 53.17% 12.78 7.25 76.28% 11.22 12.27 -8.56%
TAX 53.86 31.72 69.80% 129.59 87.44 48.20% 92.69 66.39 39.61% 67.72 106.16 -36.21%
PAT 269.16 181.50 48.30% 312.78 139.35 124.46% 281.96 114.31 146.66% 239.59 189.09 26.71%
PATM 9.25% 6.84% 9.90% 5.62% 9.62% 4.59% 8.75% 7.86%
EPS 0.38 0.27 40.74% 0.44 0.21 109.52% 0.42 0.17 147.06% 0.35 0.28 25.00%
Gross NPA 3,339.34 4,144.93 -19.44% 3,370.06 4,665.35 -27.76% 3,675.81 4,759.23 -22.76% 3,835.42 5,106.41 -24.89%
Gross NPA% 3.34 4.72 -29.24% 3.38 5.43 -37.75% 3.83 5.70 -32.81% 4.21 6.23 -32.42%
Net NPA 882.72 1,350.25 -34.63% 937.07 1,350.46 -30.61% 1,168.86 1,443.77 -19.04% 1,293.94 1,473.26 -12.17%
Net NPA% 0.91 1.59 -42.77% 0.96 1.63 -41.10% 1.25 1.80 -30.56% 1.46 1.88 -22.34%
CASA 30.59 31.62 -3.26% 31.43 32.42 -3.05% 31.16 32.77 -4.91% 30.43 31.19 -2.44%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 3,834.04 3,783.66 2,841.05 2,973.38 2,651.31 2,261.91 2,057.55 2,279.70 2,235.19 2,159.33 2,175.79 Interest Earned 11,739.69 11,481.30 9,693.98 7,992.73 7,095.81 6,973.91 7,929.53 8,558.67 7,948.75 8,172.87 8,744.34 Interest Expended 7,905.65 7,697.64 6,852.93 5,019.35 4,444.50 4,712.00 5,871.98 6,278.97 5,713.56 6,013.54 6,568.55 Int. income Growth 29.81% 33.18% -4.45% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% -0.76% Other Income 1,842.63 1,567.65 1,221.47 939.96 959.38 903.61 897.40 828.28 581.20 578.10 478.49 Total Income 13,582.32 5,351.31 4,062.52 3,913.34 3,610.69 3,165.52 2,954.95 3,107.98 2,816.39 2,737.43 2,654.28 Total Expenditure 3,378.25 3,868.68 2,975.45 2,145.16 2,286.91 6,467.64 4,423.39 3,894.24 3,589.73 2,642.63 1,938.43 Employee Cost - 2,088.48 1,944.20 1,544.42 1,478.56 1,688.07 1,211.09 1,175.81 1,123.00 990.14 894.03 % Of Sales - 18.19% 20.06% 19.32% 20.84% 24.21% 15.27% 13.74% 14.13% 12.11% 10.22% Opt. & Establishment Exp. - 1,332.99 1,137.45 1,067.31 939.12 807.56 700.85 520.59 612.79 547.88 536.09 % Of Sales - 11.61% 11.73% 13.35% 13.23% 11.58% 8.84% 6.08% 7.71% 6.70% 6.13% Provisions - 737.37 193.96 -169.91 143.41 4,176.27 2,619.27 2,168.40 1,982.16 1,189.53 599.79 % Of Sales - 6.42% 2.00% -2.13% 2.02% 59.88% 33.03% 25.34% 24.94% 14.55% 6.86% EBITDA 2,298.42 1,482.63 1,087.07 1,768.18 1,323.78 -3,302.12 -1,468.44 -786.26 -773.34 94.80 715.85 EBITDA Margin 71.22% 39.19% 38.26% 59.47% 49.93% -145.99% -71.37% -34.49% -34.60% 4.39% 32.90% Depreciation 0.00 145.08 150.08 148.33 137.09 102.13 53.91 -14.72 64.11 42.46 45.74 PBT 1,447.35 1,337.55 936.98 1,619.85 1,186.68 -3,404.24 -1,522.36 -771.54 -837.45 52.34 670.10 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 343.86 321.72 341.56 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 334.13 Tax Rate 23.76% 24.05% 36.45% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% 49.86% PAT 1,103.49 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 PAT before Minority Interest 1,103.49 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 19.44% 18.98% 14.66% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% 12.66% PAT Growth 76.77% 70.61% -54.65% 26.37% 0 0 0 0 -469.90% -40.15% EPS 1.56 1.43 0.84 1.85 1.46 -3.85 -1.40 -0.77 -1.05 0.28 0.47

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 13,354.76 15,533.43 15,108.51 14,010.59 8,363.01 5,596.40 5,701.40 6,182.69 6,142.47 5,970.22 Share Capital 7,095.59 6,777.79 6,777.79 6,777.79 4,052.67 701.05 564.91 564.91 400.41 400.41 Total Reserves 6,259.17 8,755.64 8,330.72 7,232.80 4,310.35 4,895.34 5,136.49 5,617.77 5,742.06 5,569.81 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,29,774.02 1,19,409.55 1,09,665.49 1,02,137.01 96,108.18 89,667.55 98,557.60 1,01,726.17 85,540.16 91,249.96 Borrowings 14,229.52 9,770.86 9,018.38 2,443.63 2,643.55 3,213.05 2,714.00 3,682.98 2,958.44 2,839.01 Other Liabilities & Provisions 4,456.87 2,942.69 2,662.14 2,476.31 3,367.14 2,026.81 2,009.04 2,167.41 2,002.37 2,522.22 Total Liabilities 1,61,815.17 1,47,656.53 1,36,454.52 1,21,067.54 1,10,481.88 1,00,503.81 1,08,982.04 1,13,759.25 96,643.44 1,02,581.41 Net Block 1,778.86 1,755.78 1,519.42 1,577.44 1,584.91 1,240.83 1,230.38 1,082.60 1,095.43 1,133.44 Gross Block 2,819.51 2,658.15 2,279.53 2,208.94 2,099.05 1,662.76 1,603.92 1,525.62 1,477.43 1,448.37 Accumulated Depreciation 1,040.65 902.37 760.11 631.50 514.14 421.93 373.53 443.02 382.00 314.93 Total Non-Current Assets 1,54,811.13 1,41,474.33 1,29,473.99 1,13,773.10 1,02,888.83 93,783.09 1,03,197.06 1,07,766.50 91,968.24 97,597.12 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 8,793.80 7,312.46 6,225.40 6,139.24 7,208.52 9,488.40 4,941.08 6,256.38 4,364.68 3,822.56 Balance with banks and money at call 26.26 70.55 71.32 148.99 1,130.93 89.85 1,677.14 876.31 225.10 1,080.01 Investments 46,912.31 49,599.16 44,838.42 42,280.87 32,022.77 24,552.10 26,172.93 32,981.76 27,948.50 27,645.04 Advances 97,299.90 82,736.38 76,819.43 63,626.56 60,941.70 58,411.91 69,175.53 66,569.45 58,334.53 63,916.07 Other Assets 7,004.03 6,182.20 6,980.52 7,294.44 7,593.05 6,720.72 5,784.98 5,992.75 4,675.20 4,984.30 Total Assets 1,61,815.16 1,47,656.53 1,36,454.51 1,21,067.54 1,10,481.88 1,00,503.81 1,08,982.04 1,13,759.25 96,643.44 1,02,581.42 Contingent Liabilities 5,335.03 6,659.68 7,645.40 9,912.30 6,299.87 5,389.93 7,262.52 6,179.40 9,729.68 14,924.46 Bills for collection 864.88 969.44 955.93 899.88 845.40 899.09 764.70 594.61 597.07 1,106.07 Adjusted Book Value 17.32 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -2,293.50 1,748.88 1,428.36 -5,998.57 -5,847.68 2,209.92 -97.34 1,063.31 -495.22 929.54 PBT 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 Adjustment -2,888.29 791.25 399.68 659.68 3,851.49 2,375.25 2,171.88 2,205.74 1,217.54 1,079.86 Adjustments for Liabilities & Assets -1,082.98 704.68 -134.95 -8,551.26 -6,742.69 1,187.93 -1,504.20 -159.46 -2,250.40 -486.29 Refund/(Payment) of direct taxes 661.94 -342.47 -149.40 853.95 -223.58 -362.47 -221.53 -239.18 336.55 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -167.61 -228.63 -88.16 -120.79 -446.23 -63.39 -61.07 -51.39 -33.47 -37.89 Net Fixed Assets -161.36 -378.62 -70.59 -109.89 -436.29 -58.84 -78.30 -48.19 -29.06 -126.79 Other Investment Activity -3048.14 -2746.31 -2400.32 -2655.17 -2162.44 -1723.83 -1655.31 -1559.09 -1515.32 -1532.86 Cash from Financing Activity 3,898.16 -433.96 -1,331.70 4,068.14 5,055.10 813.50 -356.06 1,531.00 215.90 -208.59 Closing Cash & Equivalent 8,820.06 7,383.01 6,296.72 6,288.22 8,339.45 9,578.25 6,618.22 7,132.69 4,589.78 4,902.57 Net Cash Inflow / Outflow 1,437.05 1,086.29 8.50 -2,051.22 -1,238.81 2,960.03 -514.47 2,542.92 -312.79 683.06 Opening Cash & Equivalents 7,383.01 6,296.72 6,288.22 8,339.45 9,578.25 6,618.22 7,132.69 4,589.78 4,902.57 4,219.51

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 17.32 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57 NIM 2.47 2.03 2.32 2.36 2.23 2.22 2.24 2.10 2.38 2.26 Yield on Advances 11.80 11.72 10.40 11.15 11.44 13.58 12.37 11.94 14.01 13.68 Yield on Investments 7.55 5.56 5.49 5.74 7.15 9.76 10.15 8.22 9.01 7.37 Cost of Liabilities 5.35 5.30 4.23 4.25 4.77 6.32 6.20 5.42 6.80 6.98 Interest Spread 6.45 6.41 6.18 6.90 6.67 7.25 6.17 6.52 7.22 6.70 ROCE 7.40% 5.98% 9.47% 10.37% -31.74% -14.64% -5.29% -5.65% 2.73% 10.61% Cost Income Ratio 61.23 72.16 62.95 63.16 75.61 62.88 55.06 59.36 54.63 52.16 Core Cost Income Ratio 65.83 72.36 62.72 68.28 87.05 72.86 62.23 65.38 60.42 55.06 Operating Costs to Assets 2.02 1.99 1.81 1.88 2.17 1.85 1.57 1.47 1.55 1.35 Loans/Deposits 0.11 0.08 0.08 0.02 0.03 0.04 0.03 0.04 0.03 0.03 Cash/Deposits 0.07 0.06 0.06 0.06 0.08 0.11 0.05 0.06 0.05 0.04 Investment/Deposits 0.36 0.42 0.41 0.41 0.33 0.27 0.27 0.32 0.33 0.30 Inc Loan/Deposits 10.96% 8.18% 8.22% 2.39% 2.75% 3.58% 2.75% 3.62% 3.46% 3.11% Credit Deposits 74.98% 69.29% 70.05% 62.30% 63.41% 65.14% 70.19% 65.44% 68.20% 70.05% Interest Expended / Interest earned 67.05% 70.69% 62.80% 62.64% 67.57% 74.05% 73.36% 71.88% 73.58% 75.12% Interest income / Total funds 7.10% 6.57% 5.86% 5.86% 6.31% 7.89% 7.85% 6.99% 8.46% 8.52% Interest Expended / Total funds 4.76% 4.64% 3.68% 3.67% 4.26% 5.84% 5.76% 5.02% 6.22% 6.40% CASA 31.43% 32.42% 33.59% 33.81% 32.81% 29.57% 26.79% 23.65% 27.54% 22.72%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

Punjab & Sind Bank partners with Maruti Suzuki Smart Finance
2nd Sep 2025, 14:01 PM

This collaboration is aimed at delivering a seamless, end-to-end digital financing experience to customers seeking to purchase Maruti Suzuki vehicles
Read More
Punjab & Sind Bank reports 48% rise in Q1 net profit
21st Jul 2025, 12:30 PM

Total income of the bank increased by 18.74% at Rs 3,379.39 crore for Q1FY26
Read More
Punjab & Sind Bank - Quarterly Results
19th Jul 2025, 15:43 PM

Read More

Punjab & Sind Bank

Bank - Public

BSE: 533295 | NSE: PSB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Punjab & Sind Bank

Bank - Public

BSE: 533295 | NSE: PSB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: