PUNJAB & SIND BANK | PNB | PUNJAB & SIND BANK/ PNB |
|||
---|---|---|---|---|---|
P/E (TTM) | x | 71.2 | 16.7 | 425.2% | View Chart |
P/BV | x | 2.8 | 1.4 | 207.0% | View Chart |
Dividend Yield | % | 0.8 | 0.5 | 149.5% |
PUNJAB & SIND BANK PNB |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
PUNJAB & SIND BANK Mar-23 |
PNB Mar-23 |
PUNJAB & SIND BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
High | Rs | 45 | 62 | 72.0% | |
Low | Rs | 13 | 28 | 44.6% | |
Income per share (Unadj.) | Rs | 11.8 | 78.9 | 15.0% | |
Earnings per share (Unadj.) | Rs | 1.9 | 3.0 | 63.7% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 8.7 | 66.7% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0.65 | 73.8% | |
Avg Dividend yield | % | 1.7 | 1.4 | 116.4% | |
Book value per share (Unadj.) | Rs | 22.3 | 93.4 | 23.9% | |
Shares outstanding (eoy) | m | 6,777.79 | 11,011.02 | 61.6% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.6 | 424.2% | |
Avg P/E ratio | x | 14.8 | 14.8 | 99.6% | |
Avg P/CF ratio | x | 13.4 | 2.1 | 625.0% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.5 | 265.9% | |
Dividend payout | % | 24.8 | 21.4 | 115.9% | |
Avg Mkt Cap | Rs m | 193,675 | 496,046 | 39.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 149,426 | 10.3% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 79,927 | 868,453 | 9.2% | |
Other income | Rs m | 9,400 | 122,396 | 7.7% | |
Interest expense | Rs m | 50,194 | 518,170 | 9.7% | |
Net interest income | Rs m | 29,734 | 350,283 | 8.5% | |
Operating expense | Rs m | 24,634 | 243,357 | 10.1% | |
Gross profit | Rs m | 5,100 | 106,926 | 4.8% | |
Gross profit margin | % | 6.4 | 12.3 | 51.8% | |
Provisions/contingencies | Rs m | 1,369 | 198,629 | 0.7% | |
Profit before tax | Rs m | 16,198 | 48,614 | 33.3% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -103 | -0.0% | |
Prior Period Items | Rs m | 0 | 2,894 | 0.0% | |
Tax | Rs m | 3,068 | 17,921 | 17.1% | |
Profit after tax | Rs m | 13,130 | 33,485 | 39.2% | |
Net profit margin | % | 16.4 | 3.9 | 426.1% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 768,194 | 8,374,590 | 9.2% | |
Deposits | Rs m | 1,096,655 | 12,903,471 | 8.5% | |
Credit/Deposit ratio | x | 70.0 | 64.9 | 107.9% | |
Yield on advances | % | 7.2 | 6.9 | 103.9% | |
Cost of deposits | % | 4.3 | 3.6 | 118.1% | |
Net Interest Margin | % | 2.4 | 2.8 | 87.5% | |
Net fixed assets | Rs m | 15,194 | 120,840 | 12.6% | |
Share capital | Rs m | 67,778 | 22,022 | 307.8% | |
Free reserves | Rs m | 83,307 | 1,006,783 | 8.3% | |
Net worth | Rs m | 151,085 | 1,028,805 | 14.7% | |
Borrowings | Rs m | 90,184 | 701,486 | 12.9% | |
Investments | Rs m | 448,384 | 4,169,138 | 10.8% | |
Total assets | Rs m | 1,364,545 | 14,936,490 | 9.1% | |
Debt/equity ratio | x | 7.9 | 13.2 | 59.4% | |
Return on assets | % | 1.0 | 0.2 | 429.2% | |
Return on equity | % | 8.7 | 3.3 | 267.0% | |
Capital adequacy ratio | % | 17.1 | 15.5 | 110.3% | |
Net NPAs | % | 1.8 | 2.7 | 67.6% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | 14,284 | 225,921 | 6.3% | |
From Investments | Rs m | -882 | -7,325 | 12.0% | |
From Financial Activity | Rs m | -13,317 | 12,750 | -104.4% | |
Net Cashflow | Rs m | 85 | 231,346 | 0.0% |
Indian Promoters | % | 98.3 | 73.2 | 134.3% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 17.2 | 3.9% | |
FIIs | % | 0.0 | 4.8 | 0.4% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 26.9 | 6.5% | |
Shareholders | 184,679 | 2,353,625 | 7.8% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | PNB | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.84% | 0.60% | 1.98% |
1-Month | 3.17% | -4.67% | 2.62% |
1-Year | 103.05% | 150.00% | 11.88% |
3-Year CAGR | 43.07% | 47.07% | 12.05% |
5-Year CAGR | 17.94% | 8.60% | 10.22% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of PNB the stake stands at 73.2%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Punjab & Sind Bank and the shareholding pattern of PNB.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.
PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets continued the momentum as the session progressed and ended on firm footing.