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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

16,830.73
12.16
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

26,953.51
1.64%
1.24

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

1.77
2.24

P:E (Median)

8 Years
5 Years
3 Years

10.14
17.80
23.59

P:BV (Average)

8 Years
5 Years
3 Years

1.46
1.77
2.24

EV:EBITDA (Average)

8 Years
5 Years
3 Years

9.11
15.35
20.57

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 3,213.37 2,910.66 10.40% 3,029.99 3,158.94 -4.08% 3,041.98 2,931.14 3.78% 2,998.87 2,738.95 9.49%
Interest Exp. 2,174.67 2,010.25 8.18% 2,055.19 2,036.92 0.90% 2,055.81 1,992.38 3.18% 2,048.84 1,866.10 9.79%
Net Interest Income 1,038.70 900.41 15.36% 974.80 1,122.02 -13.12% 986.17 938.76 5.05% 950.03 872.85 8.84%
NIM 2.53 2.52 0.40% 2.49 3.19 -21.94% 2.59 2.78 -6.83% 2.60 2.71 -4.06%
Other Income 332.35 468.73 -29.10% 427.37 676.76 -36.85% 507.29 338.23 49.98% 374.41 358.91 4.32%
Total Income 3,545.72 3,379.39 4.92% 3,457.36 3,835.70 -9.86% 3,549.27 3,269.37 8.56% 3,373.28 3,097.86 8.89%
Operating Exp. 825.57 829.04 -0.42% 859.87 982.39 -12.47% 899.18 793.01 13.39% 819.38 773.81 5.89%
Operating Profit 545.48 540.10 1.00% 542.30 816.39 -33.57% 594.28 483.98 22.79% 505.06 457.95 10.29%
Provision 93.99 217.08 -56.70% -73.15 374.02 - 137.81 109.33 26.05% 147.67 150.64 -1.97%
PBT 451.49 323.02 39.77% 615.45 442.37 39.13% 456.47 374.65 21.84% 357.39 307.31 16.30%
PBTM 14.05 11.10 26.58% 20.31 14.00 45.07% 15.01 12.78 17.45% 11.92 11.22 6.24%
TAX 119.98 53.86 122.76% 193.62 129.59 49.41% 120.05 92.69 29.52% 62.87 67.72 -7.16%
PAT 331.51 269.16 23.16% 421.83 312.78 34.86% 336.42 281.96 19.31% 294.52 239.59 22.93%
PATM 10.32% 9.25% 13.92% 9.90% 11.06% 9.62% 9.82% 8.75%
EPS 0.47 0.38 23.68% 0.59 0.44 34.09% 0.47 0.42 11.90% 0.42 0.35 20.00%
Gross NPA 2,636.95 3,339.34 -21.03% 2,830.77 3,370.06 -16.00% 2,870.84 3,675.81 -21.90% 3,081.89 3,835.42 -19.65%
Gross NPA% 2.21 3.34 -33.83% 2.40 3.38 -28.99% 2.60 3.83 -32.11% 2.92 4.21 -30.64%
Net NPA 765.86 882.72 -13.24% 919.19 937.07 -1.91% 795.93 1,168.86 -31.91% 854.13 1,293.94 -33.99%
Net NPA% 0.65 0.91 -28.57% 0.79 0.96 -17.71% 0.74 1.25 -40.80% 0.83 1.46 -43.15%
CASA 30.06 30.59 -1.73% 30.77 31.43 -2.10% 31.02 31.16 -0.45% 30.31 30.43 -0.39%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 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 3,949.70 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 12,284.21 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 8,334.51 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 3.02% 0.73% 33.18% -4.45% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% Other Income 1,641.42 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 13,925.63 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 3,404.00 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 2,187.12 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 72.29% 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 1,880.80 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 496.52 430.40 321.72 341.56 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 Tax Rate 26.40% 24.56% 24.05% 36.45% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% PAT 1,384.28 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 1,384.28 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 24.76% 23.65% 18.98% 14.66% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% PAT Growth 25.45% 30.13% 70.61% -54.65% 26.37% 0 0 0 0 -469.90% EPS 1.95 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 reports 23% rise in Q1 net profit
20th Jul 2026, 09:58 AM

Total income of the bank increased by 4.92% to Rs 3,545.72 crore in Q1FY27
Read More
Punjab & Sind Bank - Quarterly Results
19th Jul 2026, 00:00 AM

Read More
Punjab & Sind Bank gets IFSCA licence to setup IFSC Banking unit at GIFT IFSC
8th Jul 2026, 16:00 PM

The Reserve Bank of India had permitted the Bank for setting up IFSC Banking Unit at GIFT City Gandhinagar
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: