down arrow

Pun. & Sind Bank

  • Market Cap: Mid Cap
  • Industry: Bank - Public
  • ISIN: INE608A01012
  • NSEID: PSB
  • BSEID: 533295
INR
26.94
0.41 (1.55%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 36.75 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

26.3727.20

52 Week

25.2973.62
Valuation
Technical
Day's Volume

CASH

36.75 lacs (-54.20%) Volume

Shareholding (Dec 2024)

FII

0.00%

Held by 5 FIIs

DII

0.65%

Held by 11 DIIs

Promoter

98.25%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Stock is technically in a Bearish range

  • The technical trend has deteriorated from Mildly Bearish on 01-Apr-25 and has generated -22.23% returns since then
  • Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
2

With ROA of 0.6, it has a Very Expensive valuation with a 1.6 Price to Book Value

3

Despite the size of the company, domestic mutual funds hold only 1.55% of the company

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Public

stock-summary
Market cap

INR 19,116 Cr (Mid Cap)

stock-summary
Dividend Yield

0.72%

stock-summary
CAR

14.04%

stock-summary
Return on Assets

0.57%

stock-summary
Net NPA

1.25%

stock-summary
Gross NPA

3.83%

Revenue and Profits (1 Year):
Int. Earned:
2,931.14 Cr
(Quarterly Results - Dec 2024)
Net Profit:
282 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.72%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-48.29%
0%
-48.29%
1 Year
-56.72%
0.32%
-56.4%
2 Years
-1.07%
1.86%
0.79%
3 Years
55.72%
6.36%
62.08%
4 Years
39.59%
4.13%
43.72%
5 Years
120.46%
7.14%
127.6%

Latest dividend: 0.20000000000000004 per share ex-dividend date: Jul-16-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
10.85%
Net Profit Growth (5y)
24.87%
Advance to Deposit
66.62%
Capital Adequacy Ratio (Tier 1)
13.68%
Gross NPA (latest)
3.83%
Gross NPA (avg)
9.09%
Coverage Ratio (avg)
75.51%
Cost to Income (avg)
66.84%
Net Interest Margin (avg)
2.43%
Operating Profit to Assets (avg)
3.12%
ROA (avg)
-0.10%
Valuation key factors
Factor
Value
P/E Ratio
22
Price to Book Value
1.60
PEG Ratio
NA
Dividend Yield
0.72%
ROE (Latest)
7.15%
ROA (Latest)
0.57%
Net NPA to Book Value
9.92
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 6 Schemes (0.03%)

FIIs

Held by 5 FIIs (0.0%)

Promoter with highest holding

President Of India (98.25%)

Highest Public shareholder

None

Individual Investors Holdings

1.0%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 7.02% vs 3.27% in Sep 2024",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 17.68% vs 32.01% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 2931.14,
          "val2": 2738.95,
          "chgp": "7.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "483.98",
          "val2": "457.95",
          "chgp": "5.68%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.25%",
          "val2": "1.46%",
          "chgp": "-0.21%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.83%",
          "val2": "4.21%",
          "chgp": "-0.38%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "281.96",
          "val2": "239.59",
          "chgp": "17.68%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 14.18% vs 24.9% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 23.21% vs -29.21% in Sep 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 5391.22,
          "val2": 4721.68,
          "chgp": "14.18%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "774.55",
          "val2": "517.60",
          "chgp": "49.64%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.46%",
          "val2": "1.88%",
          "chgp": "-0.42%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.21%",
          "val2": "6.23%",
          "chgp": "-2.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "421.09",
          "val2": "341.76",
          "chgp": "23.21%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 15.38% vs 22.5% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 54.15% vs -46.72% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 8322.36,
          "val2": 7212.71,
          "chgp": "15.38%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,258.53",
          "val2": "794.59",
          "chgp": "58.39%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.25%",
          "val2": "1.80%",
          "chgp": "-0.55%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.83%",
          "val2": "5.70%",
          "chgp": "-1.87%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "703.05",
          "val2": "456.07",
          "chgp": "54.15%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 21.28% vs 12.64% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is -54.65% vs 26.37% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 9693.98,
          "val2": 7992.73,
          "chgp": "21.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,130.94",
          "val2": "1,449.94",
          "chgp": "-22.00%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.63%",
          "val2": "1.84%",
          "chgp": "-0.21%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "5.43%",
          "val2": "6.97%",
          "chgp": "-1.54%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "595.42",
          "val2": "1,313.03",
          "chgp": "-54.65%",
          "chgp_class": "negative"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
2931.14
2738.95
7.02%
Operating Profit (PBDIT)
483.98
457.95
5.68%
% of Net NPAs
1.25%
1.46%
-0.21%
% of Gross NPAs
3.83%
4.21%
-0.38%
Exceptional Items
0.00
0.00
Net Profit
281.96
239.59
17.68%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 7.02% vs 3.27% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 17.68% vs 32.01% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
5391.22
4721.68
14.18%
Operating Profit (PBDIT)
774.55
517.60
49.64%
% of Net NPAs
1.46%
1.88%
-0.42%
% of Gross NPAs
4.21%
6.23%
-2.02%
Exceptional Items
0.00
0.00
Net Profit
421.09
341.76
23.21%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 14.18% vs 24.9% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 23.21% vs -29.21% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
8322.36
7212.71
15.38%
Operating Profit (PBDIT)
1,258.53
794.59
58.39%
% of Net NPAs
1.25%
1.80%
-0.55%
% of Gross NPAs
3.83%
5.70%
-1.87%
Exceptional Items
0.00
0.00
Net Profit
703.05
456.07
54.15%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 15.38% vs 22.5% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 54.15% vs -46.72% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
9693.98
7992.73
21.28%
Operating Profit (PBDIT)
1,130.94
1,449.94
-22.00%
% of Net NPAs
1.63%
1.84%
-0.21%
% of Gross NPAs
5.43%
6.97%
-1.54%
Exceptional Items
0.00
0.00
Net Profit
595.42
1,313.03
-54.65%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 21.28% vs 12.64% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is -54.65% vs 26.37% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Punjab & Sind Bank stock-summary
stock-summary
Punjab & Sind Bank
Mid Cap
Bank - Public
Punjab and Sind Bank is a leading public sector bank and a major bank in Northern India. The Bank is engaged in providing a wide range of products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. The Government of India holds 98.25% of the total equity share capital in The Punjab and Sind Bank. In retail banking, the bank provides loans and advances for housing, trade, automobiles, consumer durables, education and personal loans.
Company Coordinates stock-summary
Company Details
21 Bank House, Rajendra Palace New Delhi Maharashtra : 110008
stock-summary
Tel: 91-011-25782926/25728930/25812922
stock-summary
http://www.punjabandsindbank.co.in
stock-summary
complianceofficer@psb.co.in
Registrar Details
Stock List
ABCDEFGHIJKLMNOPQRSTUVWXYZOther
Footer Logo
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
Market
Webinars
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."