1. India Stocks

  2. •

    Finance

  3. •

    Major banks
Punjab & Sind Bank Ltd.

Punjab & Sind Bank Ltd.

18.54
INR
-1.81
(-8.89%)
1.91EPS
12.68P/E
172.00BMarket Cap
Punjab & Sind Bank Ltd.
NSE:PSB
(National Stock Exchange of India)

Recent

price

18.54

P/E

ratio

12.68

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
89.55
85.95
80.93
78.85
62.36
66.29
68.37
47.75
50.28
43.5
40.03
9.02
5.73
5.47
7.94
7.94
7.93
Revenue per Share
-0.71
19.37
13.49
11.58
3.59
8.39
5.02
-13.17
-9.62
-15.75
-35.71
2.56
1.94
0.88
1.5
1.86
1.91
Basic EPS, GAAP
-4.91
-30.87
-4.28
92.81
-61.13
22.27
-13.2
17.91
-2.98
34.12
-82.24
-15.07
1.97
2.24
-3.63
-3.01
- -
Free Cash Flow per Basic Share
2.61
2.95
3.38
3.03
0.71
1.65
- -
- -
- -
- -
- -
- -
0.31
0.48
0.2
0.07
- -
Dividend per Share
170.51
172.88
173.38
174.78
139.76
149.1
153.4
109.45
100.93
79.83
20.64
20.67
22.29
22.92
18.82
19.92
20.62
Book Value per Share
170.51
172.88
173.38
174.78
139.76
149.1
153.4
109.45
100.93
79.83
20.64
20.67
22.29
22.92
18.82
19.92
20.62
Tangible Book Value per Share
223
223
251
260
338
400
400
565
565
629
765
4,060
6,778
6,778
6,781
7,096
7,111
Basic Weighted Avg Shares
19,975
19,185
20,351
20,477
21,079
26,542
27,376
26,973
28,403
27,358
30,634
36,627
38,861
37,092
53,813
56,324
56,358
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
152
194
229
238
462
169
425
641
-147
539
1,021
1,371
1,483
1,501
1,451
1,770
- -
Depreciation Expense
-22
4,513
3,392
3,006
1,213
3,360
2,011
-7,438
-5,435
-9,908
-27,329
10,391
13,130
5,954
10,158
13,219
13,589
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
12.44
18.94
36.45
24.05
24.56
26.4
Effective Tax Rate (%)
-0.11
23.52
16.67
14.68
5.76
12.66
7.35
-27.58
-19.13
-36.22
-89.21
28.37
33.79
16.05
18.88
23.47
24.11
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
28,859
31,823
19,401
15,250
28,532
20,440
29,584
29,330
27,140
27,721
26,436
24,436
90,184
91,709
118,795
139,523
168,815
LT Debt
38,034
42,489
46,041
50,113
55,962
59,702
61,425
61,827
57,014
55,964
83,630
140,106
151,085
155,334
133,548
141,324
146,333
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
6.39
4.85
4.6
1.62
4.08
2.35
- -
- -
- -
- -
7.57
6.47
2.44
4.07
4.96
4.79
Return on Capital (%)
-0.49
11.01
8.03
6.52
2.33
5.81
3.32
-12.07
-9.15
-17.54
-39.15
9.29
9.02
3.89
7.03
9.62
9.71
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,096
7,096
7,096
Market Capitalization
196,477
146,595
171,997

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
58,491
76,888
62,455
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.33%
13.99%
5.82%
Free Cash Flow
-272.29%
-77.34%
-13.29%
Net Income, GAAP
-34.44%
-13.11%
30.13%
Sales/Revenue/Turnover
8.61%
14.17%
4.67%
Total Cash Common Dividend
- -
- -
-63.36%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
10,438
12,318
12,770
17,988
53,813
2026
13,691
- -
14,935
14,022
56,324
2027
13,711
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.27
0.35
0.42
0.46
1.5
2026
0.38
- -
0.47
0.59
1.86
2027
0.47
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.2
2026
- -
- -
- -
- -
0.07
2027
- -
- -
- -
- -
- -
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Business
Punjab & Sind Bank operates as a public sector bank in India, providing a comprehensive range of retail and corporate banking products and services including savings accounts, current accounts, fixed deposits, salary accounts; home loans such as PSB Apna Ghar for purchase, construction, extension, repair and renovation of properties, vehicle loans under PSB Apna Vahan for two-wheelers and four-wheelers, business loans via PSB Vyapar for working capital, shop construction and commercial space acquisition, education loans for higher studies in India and abroad; personal loans for automobiles, consumer durables, trade and education, term loans for capital expenditure, short-term loans, cash credit, export credit, bill discounting, letters of credit and guarantees; priority sector lending to farmers, agricultural input suppliers and infrastructure; digital services encompassing Aadhaar Pay, ATM, BharatQR, BHIM, debit cards including PSB RuPay Platinum, internet banking, mobile banking, POS machines, SMS banking and UPI; as well as third-party distribution of life and non-life insurance policies and mutual funds. Founded in 1908 in Amritsar with headquarters in New Delhi, the bank maintains 1817 branches and 25 zonal offices across India, with the largest concentration of 635 branches in Punjab, serving diverse customer segments from individuals and small businesses to corporates and government entities nationwide. In recent developments, the bank reported a 23% rise in Q2 net profit to Rs 295 crore, approved raising Rs 3000 crore via long-term infrastructure bonds by March 2027 and Rs 2000 crore through qualified institutional placement in early 2025 to bolster capital adequacy while diluting government stake slightly from 98.25%, alongside 16% loan book growth to Rs 1.05 lakh crore and total deposits reaching Rs 1.35 lakh crore in Q2 FY26.