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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,319.37
10.20
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

25,442.15
1.81%
1.14

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-26.12
-
-38.29

EBITDA CAGR (%)

10 Years
5 Years
3 Years

20.72
4.93
30.46

PAT CAGR (%)

10 Years
5 Years
3 Years

1.78
2.17

P:E (Median)

8 Years
5 Years
3 Years

11.16
17.80
22.60

P:BV (Average)

8 Years
5 Years
3 Years

1.45
1.78
2.17

EV:EBITDA (Average)

8 Years
5 Years
3 Years

9.48
15.78
19.78

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 26 Sep 25 Var% Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var%
Interest Earned 3,394.48 2,998.87 13.19% 3,213.37 2,910.66 10.40% 3,029.99 3,158.94 -4.08% 3,041.98 2,931.14 3.78%
Interest Exp. 2,233.60 2,048.84 9.02% 2,174.67 2,010.25 8.18% 2,055.19 2,036.92 0.90% 2,055.81 1,992.38 3.18%
Net Interest Income 1,160.88 950.03 22.19% 1,038.70 900.41 15.36% 974.80 1,122.02 -13.12% 986.17 938.76 5.05%
NIM 2.77 2.60 6.54% 2.53 2.52 0.40% 2.49 3.19 -21.94% 2.59 2.78 -6.83%
Other Income 352.04 374.41 -5.97% 332.35 468.73 -29.10% 427.37 676.76 -36.85% 507.29 338.23 49.98%
Total Income 3,746.52 3,373.28 11.06% 3,545.72 3,379.39 4.92% 3,457.36 3,835.70 -9.86% 3,549.27 3,269.37 8.56%
Operating Exp. 895.47 819.38 9.29% 825.57 829.04 -0.42% 859.87 982.39 -12.47% 899.18 793.01 13.39%
Operating Profit 617.45 505.06 22.25% 545.48 540.10 1.00% 542.30 816.39 -33.57% 594.28 483.98 22.79%
Provision 52.11 147.67 -64.71% 93.99 217.08 -56.70% -73.15 374.02 - 137.81 109.33 26.05%
PBT 565.34 357.39 58.19% 451.49 323.02 39.77% 615.45 442.37 39.13% 456.47 374.65 21.84%
PBTM 16.65 11.92 39.68% 14.05 11.10 26.58% 20.31 14.00 45.07% 15.01 12.78 17.45%
TAX 153.37 62.87 143.95% 119.98 53.86 122.76% 193.62 129.59 49.41% 120.05 92.69 29.52%
PAT 411.97 294.52 39.88% 331.51 269.16 23.16% 421.83 312.78 34.86% 336.42 281.96 19.31%
PATM 12.14% 9.82% 10.32% 9.25% 13.92% 9.90% 11.06% 9.62%
EPS 0.58 0.42 38.10% 0.47 0.38 23.68% 0.59 0.44 34.09% 0.47 0.42 11.90%
Gross NPA 2,636.20 3,081.89 -14.46% 2,636.95 3,339.34 -21.03% 2,830.77 3,370.06 -16.00% 2,870.84 3,675.81 -21.90%
Gross NPA% 2.09 2.92 -28.42% 2.21 3.34 -33.83% 2.40 3.38 -28.99% 2.60 3.83 -32.11%
Net NPA 750.80 854.13 -12.10% 765.86 882.72 -13.24% 919.19 937.07 -1.91% 795.93 1,168.86 -31.91%
Net NPA% 0.61 0.83 -26.51% 0.65 0.91 -28.57% 0.79 0.96 -17.71% 0.74 1.25 -40.80%
CASA 28.83 30.31 -4.88% 30.06 30.59 -1.73% 30.77 31.43 -2.10% 31.02 31.16 -0.45%

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 4,160.55 3,811.41 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 Interest Earned 12,679.82 11,981.50 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 Interest Expended 8,519.27 8,170.09 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 Int. income Growth 6.37% 0.73% 33.18% -4.45% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% Other Income 1,619.05 1,777.80 1,567.65 1,221.47 939.96 959.38 903.61 897.40 828.28 581.20 578.10 Total Income 14,298.87 5,589.21 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 Total Expenditure 3,480.09 3,659.88 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 Employee Cost - 2,069.35 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 % Of Sales - 17.27% 18.19% 20.06% 19.32% 20.84% 24.21% 15.27% 13.74% 14.13% 12.11% Opt. & Establishment Exp. - 1,515.10 1,332.99 1,137.45 1,067.31 939.12 807.56 700.85 520.59 612.79 547.88 % Of Sales - 12.65% 11.61% 11.73% 13.35% 13.23% 11.58% 8.84% 6.08% 7.71% 6.70% Provisions - 429.41 737.37 193.96 -169.91 143.41 4,176.27 2,619.27 2,168.40 1,982.16 1,189.53 % Of Sales - 3.58% 6.42% 2.00% -2.13% 2.02% 59.88% 33.03% 25.34% 24.94% 14.55% EBITDA 2,299.51 1,929.33 1,482.63 1,087.07 1,768.18 1,323.78 -3,302.12 -1,468.44 -786.26 -773.34 94.80 EBITDA Margin 72.55% 50.62% 39.19% 38.26% 59.47% 49.93% -145.99% -71.37% -34.49% -34.60% 4.39% Depreciation 0.00 176.99 145.08 150.08 148.33 137.09 102.13 53.91 -14.72 64.11 42.46 PBT 2,088.75 1,752.33 1,337.55 936.98 1,619.85 1,186.68 -3,404.24 -1,522.36 -771.54 -837.45 52.34 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 587.02 430.40 321.72 341.56 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 Tax Rate 28.10% 24.56% 24.05% 36.45% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% PAT 1,501.73 1,321.93 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 PAT before Minority Interest 1,501.73 1,321.93 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 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 25.98% 23.65% 18.98% 14.66% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% PAT Growth 29.64% 30.13% 70.61% -54.65% 26.37% 0 0 0 0 -469.90% EPS 2.12 1.86 1.43 0.84 1.85 1.46 -3.85 -1.40 -0.77 -1.05 0.28

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 14,132.41 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 Share Capital 7,095.59 7,095.59 6,777.79 6,777.79 6,777.79 4,052.67 701.05 564.91 564.91 400.41 Total Reserves 7,036.83 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 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,45,829.01 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 Borrowings 16,352.33 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 Other Liabilities & Provisions 2,956.56 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 Total Liabilities 1,79,270.31 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 Net Block 1,862.01 1,798.25 1,755.78 1,519.42 1,577.44 1,584.91 1,240.83 1,230.38 1,082.60 1,095.43 Gross Block 3,072.73 2,838.90 2,658.15 2,279.53 2,208.94 2,099.05 1,662.76 1,603.92 1,525.62 1,477.43 Accumulated Depreciation 1,210.72 1,040.65 902.37 760.11 631.50 514.14 421.93 373.53 443.02 382.00 Total Non-Current Assets 1,73,461.47 1,54,830.52 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 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 6,229.54 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 Balance with banks and money at call 69.71 26.26 70.55 71.32 148.99 1,130.93 89.85 1,677.14 876.31 225.10 Investments 49,388.47 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 Advances 1,15,911.74 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 Other Assets 5,808.83 6,984.64 6,182.20 6,980.52 7,294.44 7,593.05 6,720.72 5,784.98 5,992.75 4,675.20 Total Assets 1,79,270.30 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 Contingent Liabilities 8,628.11 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 Bills for collection 1,296.02 864.88 969.44 955.93 899.88 845.40 899.09 764.70 594.61 597.07 Adjusted Book Value 18.42 17.32 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -1,893.11 -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 PBT 1,321.93 1,015.83 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 Adjustment 1,480.73 1,313.14 791.25 399.68 659.68 3,851.49 2,375.25 2,171.88 2,205.74 1,217.54 Adjustments for Liabilities & Assets -4,414.48 -5,284.42 704.68 -134.95 -8,551.26 -6,742.69 1,187.93 -1,504.20 -159.46 -2,250.40 Refund/(Payment) of direct taxes -281.30 661.94 -342.47 -149.40 853.95 -223.58 -362.47 -221.53 -239.18 336.55 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 -240.91 -167.61 -228.63 -88.16 -120.79 -446.23 -63.39 -61.07 -51.39 -33.47 Net Fixed Assets -233.83 -180.75 -378.62 -70.59 -109.89 -436.29 -58.84 -78.30 -48.19 -29.06 Other Investment Activity -3240.34 -3067.53 -2746.31 -2400.32 -2655.17 -2162.44 -1723.83 -1655.31 -1559.09 -1515.32 Cash from Financing Activity -386.79 3,898.16 -433.96 -1,331.70 4,068.14 5,055.10 813.50 -356.06 1,531.00 215.90 Closing Cash & Equivalent 6,299.26 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 Net Cash Inflow / Outflow -2,520.81 1,437.05 1,086.29 8.50 -2,051.22 -1,238.81 2,960.03 -514.47 2,542.92 -312.79 Opening Cash & Equivalents 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

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 18.42 17.32 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59 NIM 2.22 2.47 2.03 2.32 2.36 2.23 2.22 2.24 2.10 2.38 Yield on Advances 10.34 11.80 11.72 10.40 11.15 11.44 13.58 12.37 11.94 14.01 Yield on Investments 7.52 7.55 5.56 5.49 5.74 7.15 9.76 10.15 8.22 9.01 Cost of Liabilities 5.04 5.35 5.30 4.23 4.25 4.77 6.32 6.20 5.42 6.80 Interest Spread 5.30 6.45 6.41 6.18 6.90 6.67 7.25 6.17 6.52 7.22 ROCE 9.07% 7.40% 5.98% 9.47% 10.37% -31.74% -14.64% -5.29% -5.65% 2.73% Cost Income Ratio 60.97 61.23 72.16 62.95 63.16 75.61 62.88 55.06 59.36 54.63 Core Cost Income Ratio 64.32 65.83 72.36 62.72 68.28 87.05 72.86 62.23 65.38 60.42 Operating Costs to Assets 1.90 2.02 1.99 1.81 1.88 2.17 1.85 1.57 1.47 1.55 Loans/Deposits 0.11 0.11 0.08 0.08 0.02 0.03 0.04 0.03 0.04 0.03 Cash/Deposits 0.04 0.07 0.06 0.06 0.06 0.08 0.11 0.05 0.06 0.05 Investment/Deposits 0.34 0.36 0.42 0.41 0.41 0.33 0.27 0.27 0.32 0.33 Inc Loan/Deposits 11.21% 10.96% 8.18% 8.22% 2.39% 2.75% 3.58% 2.75% 3.62% 3.46% Credit Deposits 79.48% 74.98% 69.29% 70.05% 62.30% 63.41% 65.14% 70.19% 65.44% 68.20% Interest Expended / Interest earned 68.19% 67.05% 70.69% 62.80% 62.64% 67.57% 74.05% 73.36% 71.88% 73.58% Interest income / Total funds 6.68% 7.10% 6.57% 5.86% 5.86% 6.31% 7.89% 7.85% 6.99% 8.46% Interest Expended / Total funds 4.56% 4.76% 4.64% 3.68% 3.67% 4.26% 5.84% 5.76% 5.02% 6.22% CASA 30.77% 31.43% 32.42% 33.59% 33.81% 32.81% 29.57% 26.79% 23.65% 27.54%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

Punjab & Sind Bank - Quarterly Results
18th Oct 2026, 00:00 AM

Read More
Punjab & Sind Bank gets nod to raise foreign currency funds upto $1 billion
30th Sep 2026, 15:29 PM

The Board of Directors of the Bank in its meeting held on September 29, 2026 has approved the same
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: