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Punjab & Sind Bank
Bank₹23.850.96%
24 Jul, 4:01 PM
CMP₹23.85
Mkt Cap₹17.11K Cr
P/E12.36
P/B1.26
ROE10.42%
52W High₹32.47
52W Low₹20.46
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Stock DNA
Key Ratios
P/E Ratio
12.36
P/B Ratio
1.26
EV/EBITDA
12.45
Price/Sales
1.39
Dividend Yield (%)
1.62
EPS (TTM ₹)
1.95
Book Value (₹)
19.13
ROE (%)
10.42
ROCE (%)
9.07
ROA (%)
0.78
EBITDA Margin (%)
18.21
Net Profit Margin (%)
11.03
Debt/Equity
1.25
Core EBITDA Growth (%)
-0.91
Net Interest Margin (%)
2.22
GNPA (%)
2.40
NNPA (%)
0.79
Credit Deposit Ratio (%)
79.48
P&L
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Gross Sales | 70958102 | 79927314 | 96939756 | 114813003 | 119815018 |
| Net Sales | 70958102 | 79927314 | 96939756 | 114813003 | 119815018 |
| Total Income | 80551888 | 89326917 | 109154448 | 130489511 | 137592986 |
| Total Expenditure | 68685042 | 73128427 | 99784649 | 117114002 | 120069644 |
| Operating Profit | 11866846 | 16198490 | 9369799 | 13375509 | 17523342 |
| Depreciation | 1370904 | 1483332 | 1500843 | 1450846 | 1769926 |
| Exceptional Items | — | — | — | — | — |
| Profit Before Tax | 11866846 | 16198490 | 9369799 | 13375509 | 17523342 |
| Tax | 1476300 | 3068200 | 3415600 | 3217200 | 4304000 |
| Profit After Tax (PAT) | 10390546 | 13130290 | 5954199 | 10158309 | 13219342 |
| EPS (₹) | 2.56 | 1.94 | 0.88 | 1.5 | 1.86 |
| Dividend Payout % | 3.1 | 4.8 | 2 | 0.7 | 3.9 |
Balance Sheet
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Share Capital | 67777864 | 67777864 | 67777864 | 70955852 | 70955852 |
| Reserves | 72328029 | 83307205 | 87556407 | 62591713 | 70368290 |
| Shareholders Funds | 140105893 | 151085069 | 155334271 | 133547565 | 141324142 |
| Total Debt | 24436325 | 90183832 | 97708561 | 142295201 | 163523262 |
| Total Liabilities | 1210675464 | 1364545170 | 1476565259 | 1618151680 | 1792703109 |
| Total Assets | 1210675464 | 1364545170 | 1476565259 | 1618151680 | 1792703109 |
| Book Value / Share | 19.3141 | 20.9453 | 21.3448 | 17.3225 | 18.4226 |
| Assets | 1210675464 | 1364545170 | 1476565259 | 1618151680 | 1792703109 |
Cash Flows
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Operating Activities | -59985669 | 142836 | 174888 | -22935042 | -18931108 |
| Investing Activities | -1207941 | -8816 | -22863 | -1676075 | -2409062 |
| Financing Activities | 40681368 | -133170 | -43396 | 38981638 | -3867913 |
| Net Cash Flow | -20512242 | 850 | 108629 | 14370521 | -25208083 |
PSB
₹23.85
-0.96%