PSB

Punjab & Sind Bank

NSE: PSB

BSE: 533295

Sector: Financial Services

Industry Group: Banks

Industry: Public Sector Bank

18.21-2.1 (-10.56%)

23 Oct, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

17.0 / 100

Value Score

79.5 / 100

Price Momentum Score

17.6 / 100

QVM Score

23.2 / 100

Key Metrics

Market Cap

12921.10

P/E (TTM)

8.60

P/B

0.89

P/S (TTM)

1.02

EV/EBITDA

51.91

CAPE (5Y)

10.32

ROE (TTM)

10.66

ROCE (TTM)

1.57

ROA (TTM)

0.84

Avg 3Y ROE

6.85

Earnings 3Y CAGR

6.70

Sales 3Y CAGR

12.77

Sales 5Y CAGR

12.51

Debt/Equity

1.32

Consensus TP

Strong Buy %

Promoter Holding

93.85

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Punjab & Sind Bank covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and reasonably valued with respect to the industry

PB of 0.89 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is modest at 0.0%

What is P/B Ratio?

Median: 0.89

Value 0.89

0.631.62

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 25.97% for 12-month ended 30 Sep 2026 and the growth was 8.75 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Reasonable Gross NPA, and decreasing

The company has reasonable Gross NPA of 2.21% as on 30 Sep 2026 but Gross NPA decreased by 0.71 in the last 1 year

What is Gross NPA (%)?

Consistently pays dividend

The company has not missed dividend payments once in the last 4 financial years

What is Dividend streak?

Negative

Weak price momentum

Price Momentum score of 17.6 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

17.6 / 100

Low revenue growth and in line with median growth of industry

The company delivered low revenue growth of 6.37% for 12-month ended 30 Sep 2026 and the growth was 1.72 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 4.65

Value 6.37

-16.8217.25

Neutral

Moderate and stable Net Interest Margin (NIM)

The company reported moderate Net Interest Margin (NIM) of 2.42% for 12-month ended 30 Sep 2026 and Net Interest Margin (NIM) declined marginally by -20 bps from 1 year ago

What is Net interest margin?

Moderate and stable ROE

The company reported moderate ROE of 10.66% for 12-month ended 30 Sep 2026 and ROE improved marginally by 147 bps from 1 year ago

What is ROE (FY)?

Moderate dividend yield

The company has a moderate dividend yield of 2.14%

What is Dividend yield?

Financial Snapshot

See detailed analysis

Multi-year trends for Punjab & Sind Bank covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Punjab & Sind Bank Shareholding Pattern

Quarterly breakdown of Punjab & Sind Bank ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Total Promoter	83.06	83.06	83.06	83.06	97.07	97.07	97.07	97.07	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	93.85	93.85	93.85	93.85	93.85	93.85	93.85
Indian Promoter	83.06	83.06	83.06	83.06	97.07	97.07	97.07	97.07	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	98.25	93.85	93.85	93.85	93.85	93.85	93.85	93.85
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	6.90	6.83	6.08	6.08	1.05	1.07	1.09	1.07	0.64	0.66	0.67	0.68	0.68	0.66	0.71	0.66	0.67	0.65	0.65	0.65	4.99	4.31	4.20	4.16	4.05	3.96	3.90
Mutual Funds / UTI	0.05	-	-	-	-	0.02	0.02	0.02	0.02	0.03	0.04	0.05	0.05	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.11	0.11	0.11	0.11	0.13	0.15
FI/Bank/Insurance	6.10	6.08	6.08	6.08	1.05	1.04	1.04	1.04	0.62	0.62	0.62	0.62	0.62	0.62	0.63	0.62	0.62	0.62	0.62	0.62	4.01	3.78	3.74	3.71	3.70	3.59	3.54
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.76	0.76	0.01	0.00	0.00	0.01	0.03	0.01	0.00	0.00	0.01	0.00	0.01	0.00	0.03	0.01	0.02	0.00	0.00	0.00	0.73	0.25	0.16	0.16	0.15	0.15	0.12
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.22	0.18	0.18	0.18	0.09	0.09	0.09
Non-Institution	10.04	10.10	10.85	10.86	1.88	1.86	1.84	1.85	1.11	1.09	1.08	1.07	1.07	1.09	1.05	1.09	1.08	1.10	1.10	1.10	1.16	1.85	1.96	1.99	2.10	2.20	2.25
Bodies Corporate	0.52	0.50	0.53	0.61	0.09	0.14	0.13	0.11	0.07	0.06	0.06	0.07	0.06	0.06	0.05	0.06	0.05	0.04	0.03	0.03	0.10	0.11	0.14	0.13	0.13	0.14	0.11
Others (incl. Retail) No. of shareholders	9.52 1,19,053	9.60 1,20,214	10.32 1,23,054	10.25 1,22,542	1.79 1,26,243	1.72 1,24,081	1.71 1,25,988	1.74 1,28,556	1.04 1,30,420	1.03 1,31,049	1.02 1,30,206	1.00 1,46,500	1.01 1,46,644	1.03 1,45,069	1.00 1,54,780	1.03 1,55,786	1.03 1,84,350	1.06 1,91,093	1.07 1,99,011	1.07 1,98,782	1.06 1,99,435	1.74 2,21,820	1.82 2,21,737	1.86 2,22,041	1.97 2,21,934	2.06 2,21,469	2.14 2,21,680

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty PSU Bank	0.27%	12 / 12

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Punjab & Sind Bank shares as reported to NSE and BSE.

No bulk, block or insider trade data available.

Corporate Actions

History of Punjab & Sind Bank dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.39/share
Record date: 21st Jul 2026Ex-date: 21st Jul 2026
Announced on: 27th Apr 2026
Dividend₹ 0.07/share
Record date: 29th Jul 2025Ex-date: 29th Jul 2025
Announced on: 30th Apr 2025
Dividend₹ 0.20/share
Record date: 17th Jul 2024Ex-date: 16th Jul 2024
Announced on: 10th May 2024
Dividend₹ 0.48/share
Record date: 4th Jul 2023Ex-date: 4th Jul 2023
Announced on: 2nd May 2023
Dividend₹ 0.31/share
Record date: 5th Jul 2022Ex-date: 4th Jul 2022
Announced on: 19th May 2022

Company Profile

Overview of Punjab & Sind Bank covering business description, industry classification, key management, financial ratios, and listed exchange details.

Punjab & Sind Bank is an India-based banking and financial services company. The Company provides digital loans, digital banking, international banking, and social banking solutions. Its digital loan solutions include retail loans; micro, small, and medium enterprise (MSME) loans; and agricultural l...

Key personnel

Mr. Arnab Goswamy

Chief Financial Officer

Mr. Prem Chand Kumar

Chief Technical Officer

Sh. Ravi Gupta

Chief Compliance Officer

Sh. Dheeraj Kumar Gaur

Chief Risk Officer

Ms. Mahima Agarwal

General Manager

Shri. Rajiv Kumar Bansal

General Manager

Sh. Ratnesh Chandra

General Manager

Shri. Pankaj Dwivedi

General Manager

View all

Incorporated on

Last Annual

31 Mar 2026

Last Interim

30 Sep 2026

No. of Employees

IPO date

30 Dec 2010

Free Float

43,65,34,127

Website

https://punjabandsindbank.co.in/

Phone no.

+911125782926

Address

21- Rajendra Place, NEW DELHI, 110008, India

Frequently Asked Questions

What is the current share price of Punjab & Sind Bank?

The current share price of Punjab & Sind Bank is ₹ 18.21 as of 23 Oct 2026.

What is the market capitalisation of Punjab & Sind Bank?

The market capitalisation of Punjab & Sind Bank stands at ₹ 12,921.10 Cr.

What is the PE ratio of Punjab & Sind Bank?

The Price-to-Earnings (PE) ratio of Punjab & Sind Bank is 8.60 as of the latest trailing twelve months data.

What is the ROE and ROCE of Punjab & Sind Bank?

Punjab & Sind Bank has a Return on Equity (ROE) of 10.66% and a Return on Capital Employed (ROCE) of 1.57% as per the latest financial reports.

What is the 52-week high and low of Punjab & Sind Bank?

The 52-week high of Punjab & Sind Bank is - and the 52-week low is -.

What is the dividend yield of Punjab & Sind Bank?

The dividend yield of Punjab & Sind Bank is 2.14% based on the current market price.

What is the FII and DII holding in Punjab & Sind Bank?

Foreign Institutional Investors (FII) hold 0.12%, Domestic Institutional Investors (DII) hold 3.69% and retail/public investors hold 2.14% of Punjab & Sind Bank shares.

What sector does Punjab & Sind Bank belong to?

Punjab & Sind Bank operates in the Financial Services sector.

What is the beta of Punjab & Sind Bank?

The beta of Punjab & Sind Bank is 1.34, indicating its price volatility relative to the broader market. Over the past 1 year, Punjab & Sind Bank has delivered an absolute return of -39.60%.

What is the RSI of Punjab & Sind Bank?

The 14-day Relative Strength Index (RSI) of Punjab & Sind Bank is 18.09, placing it in the oversold zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Punjab & Sind Bank

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Punjab & Sind Bank Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Company Profile

Stock Analysis

Holdings and Presence

Corporate Actions