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Punjab & Sind Bank

Punjab & Sind Bank

PSB.BO
Punjab & Sind BankIN flagBombay Stock Exchange
24.88
INR
+0.13
- -
176.54BMarket Cap
Punjab & Sind Bank
PSB.BO
(Bombay Stock Exchange)

Recent

price

24.88

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
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
7.9
7.86
8.27
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
1.61
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
- -
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
18.97
74.23
71.47
73.58
61.53
55.27
56.39
27.47
15.72
-0.77
6.21
18.24
12
12.06
13.29
9.98
10.34
Book Value per Share
170.51
181.4
175.14
185.26
165.57
149.11
153.41
109.45
100.93
88.99
109.28
34.51
22.29
22.92
19.72
19.88
19.91
Tangible Book Value per Share
223
223
251
260
338
400
400
565
565
629
765
4,060
6,778
6,778
6,772
7,107
6,860
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
53,513
55,892
56,767
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
11,035
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
12.44
18.94
36.45
24.05
24.56
23.76
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
18.98
23.65
19.44
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
28,859
31,823
19,401
15,250
28,532
20,440
29,584
29,330
27,140
27,720
26,436
24,436
90,184
91,709
118,795
163,523
124,566
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
136,575
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-3.91
41.57
19.64
16.22
6.08
15.65
9
-39.05
-44.55
- -
- -
26.38
16.9
7.3
11.83
16.42
15.91
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6,778
7,096
7,096
Market Capitalization
324,699
294,569
226,255

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
70,912
101,887
68,873
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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%
-77.35%
-13.29%
Net Income, GAAP
-34.44%
-13.11%
30.13%
Sales/Revenue/Turnover
8.51%
13.97%
4.45%
Total Cash Common Dividend
- -
- -
-63.36%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,161
9,431
11,010
7,490
37,092
2025
10,438
12,318
12,770
17,988
53,513
2026
13,691
14,022
- -
- -
55,892

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.28
0.17
- -
0.88
2025
0.27
0.35
0.42
0.46
1.5
2026
0.38
0.59
- -
- -
1.86

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.48
2025
- -
- -
- -
- -
0.2
2026
- -
- -
- -
- -
0.07
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Business
Punjab & Sind Bank (PSB.BO), a public sector bank headquartered in New Delhi and founded in 1908 in Amritsar, provides a comprehensive range of banking and financial services across India through approximately 1,817 branches and 25 zonal offices, with the largest presence in Punjab. The bank offers deposit products including savings accounts, current accounts, fixed deposits and recurring deposits; retail loans such as housing loans (PSB Apna Ghar), vehicle loans, personal loans, education loans, consumer durable loans and trade finance (PSB Vyapar); corporate banking services encompassing term loans, working capital finance, cash credit, export credit, bill discounting, letters of credit and guarantees; priority sector advances for agriculture, MSMEs and infrastructure; treasury operations; and digital banking solutions like internet banking, mobile banking via PSB UnIC app, UPI, BHIM, Aadhaar Pay, debit cards (including PSB RuPay Platinum), POS machines, BharatQR, ATM services and SMS banking, along with agency services for insurance distribution and government schemes including PPF, NPS, Sukanya Samriddhi and senior citizen savings. It operates nationwide with a focus on northern India while expanding southward, serving retail, corporate, MSME and government customers under the ownership of India's Ministry of Finance. In recent developments, the bank plans to open 200 new branches over the next 1-2 years including 100 in FY2025 to reach 1,665 branches total, alongside matching ATMs and four new zonal offices; its board approved raising up to INR 5,000 crore through INR 3,000 crore equity and INR 2,000 crore bonds in tranches by March 2027 plus INR 3,000 crore in infrastructure bonds, following a QIP floor price set in March 2025 to support growth and maintain capital adequacy above 17%; it accelerated digital lending in housing and vehicle segments, enhanced PSB UnIC with new products, expanded corporate BC models and formed fintech partnerships; and reported 12.19% YoY business growth with 23% net profit rise to INR 295 crore in Q2 FY2026.