ScoreWhy is Punjab & Sind Bank ?
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
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -56.51%, its profits have fallen by -7.7%
3
Despite the size of the company, domestic mutual funds hold only 1.55% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
4
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.03% in the last 1 year, its fall in the stock was much higher with a return of -56.51%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Public)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Pun. & Sind Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Pun. & Sind Bank
-56.72%
-1.10
51.47%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
GROSS NPA(Q)
Lowest at 3.83%
CREDIT DEPOSIT RATIO(HY)
Highest at 73.38 %
PAT(Q)
At Rs 281.96 cr has Grown at 67.1 %
NET NPA(Q)
Lowest at 1.25 %
NII(Q)
Highest at Rs 938.76 cr
INTEREST EARNED(Q)
Highest at Rs 2,931.14 cr
PBDIT(Q)
Highest at Rs 145.75 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 4.97%
PBT LESS OI(Q)
Highest at Rs 36.42 cr.
EPS(Q)
Highest at Rs 0.42
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 90.28 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Pun. & Sind Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 36.42 cr has Grown at 136.5 %
over average PBT of the previous four quarters of Rs -99.82 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.83% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 281.96 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 281.96 cr has Grown at 67.1 %
over average PAT of the previous four quarters of Rs 168.69 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 1.25 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 938.76 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 73.38 % and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Interest Earned - Quarterly
Highest at Rs 2,931.14 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 145.75 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 4.97%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 36.42 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.42
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 90.28 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 15.95 %
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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