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- PUNJAB & SIND BANK - ANDHRA BANK
PUNJAB & SIND BANK vs ANDHRA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | ANDHRA BANK | PUNJAB & SIND BANK/ ANDHRA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | -3.0 | - | View Chart |
| P/BV | x | 2.0 | 0.2 | 953.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  ANDHRA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
ANDHRA BANK Mar-19 |
PUNJAB & SIND BANK/ ANDHRA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 47 | 164.9% | |
| Low | Rs | 25 | 23 | 111.2% | |
| Income per share (Unadj.) | Rs | 14.3 | 66.6 | 21.5% | |
| Earnings per share (Unadj.) | Rs | 0.9 | -9.5 | -9.2% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | -18.0 | -27.3% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 0 | - | |
| Avg Dividend yield | % | 0.4 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.9 | 46.2 | 49.6% | |
| Shares outstanding (eoy) | m | 6,777.79 | 2,884.49 | 235.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.5 | 686.2% | |
| Avg P/E ratio | x | 58.5 | -3.7 | -1,595.2% | |
| Avg P/CF ratio | x | 30.8 | 2.0 | 1,557.8% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.8 | 297.3% | |
| Dividend payout | % | 22.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 348,209 | 100,524 | 346.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 23,015 | 84.5% | |
| 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 | 96,940 | 192,029 | 50.5% | |
| Other income | Rs m | 12,215 | 30,881 | 39.6% | |
| Interest expense | Rs m | 68,529 | 122,243 | 56.1% | |
| Net interest income | Rs m | 28,410 | 69,786 | 40.7% | |
| Operating expense | Rs m | 29,316 | 50,058 | 58.6% | |
| Gross profit | Rs m | -905 | 19,728 | -4.6% | |
| Gross profit margin | % | -0.9 | 10.3 | -9.1% | |
| Provisions/contingencies | Rs m | 5,355 | 78,280 | 6.8% | |
| Profit before tax | Rs m | 9,370 | -23,913 | -39.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 251 | 0.0% | |
| Tax | Rs m | 3,416 | 3,758 | 90.9% | |
| Profit after tax | Rs m | 5,954 | -27,420 | -21.7% | |
| Net profit margin | % | 6.1 | -14.3 | -43.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 1,588,479 | 52.1% | |
| Deposits | Rs m | 1,194,096 | 2,198,529 | 54.3% | |
| Credit/Deposit ratio | x | 69.3 | 72.3 | 95.9% | |
| Yield on advances | % | 8.4 | 8.9 | 94.2% | |
| Cost of deposits | % | 5.3 | 5.2 | 101.3% | |
| Net Interest Margin | % | 2.1 | 3.1 | 69.5% | |
| Net fixed assets | Rs m | 17,558 | 15,649 | 112.2% | |
| Share capital | Rs m | 67,778 | 28,845 | 235.0% | |
| Free reserves | Rs m | 87,556 | 104,472 | 83.8% | |
| Net worth | Rs m | 155,334 | 133,317 | 116.5% | |
| Borrowings | Rs m | 97,709 | 103,146 | 94.7% | |
| Investments | Rs m | 495,992 | 669,148 | 74.1% | |
| Total assets | Rs m | 1,476,565 | 2,540,440 | 58.1% | |
| Debt/equity ratio | x | 8.3 | 17.3 | 48.2% | |
| Return on assets | % | 0.4 | -1.1 | -37.4% | |
| Return on equity | % | 3.8 | -20.6 | -18.6% | |
| Capital adequacy ratio | % | 17.2 | 13.7 | 125.4% | |
| Net NPAs | % | 1.6 | 5.7 | 28.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 29,181 | 59.9% | |
| From Investments | Rs m | -2,286 | -837 | 273.0% | |
| From Financial Activity | Rs m | -4,340 | -37,515 | 11.6% | |
| Net Cashflow | Rs m | 10,863 | -9,099 | -119.4% | |
Share Holding
| Indian Promoters | % | 98.3 | 88.3 | 111.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 3.8 | 17.0% | |
| FIIs | % | 0.0 | 0.6 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 11.8 | 14.9% | |
| Shareholders | 199,351 | 238,812 | 83.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Andhra Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Punjab & Sind Bank vs Andhra Bank Share Price Performance
| Period | Punjab & Sind Bank | Andhra Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | -2.66% | -0.42% |
| 1-Month | -11.28% | -38.86% | -2.93% |
| 1-Year | 10.72% | -65.18% | 16.50% |
| 3-Year CAGR | 41.14% | -45.56% | 10.67% |
| 5-Year CAGR | 18.68% | -35.02% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Andhra Bank share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of Andhra Bank the stake stands at 88.3%.
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 Andhra Bank.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.2 per share. This amounted to a Dividend Payout ratio of 22.8%.
Andhra Bank paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Andhra Bank.
For a sector overview, read our banking sector report.
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