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- PUNJAB & SIND BANK - DCB BANK
PUNJAB & SIND BANK vs DCB BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | DCB BANK | PUNJAB & SIND BANK/ DCB BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | 6.3 | 740.9% | View Chart |
| P/BV | x | 2.0 | 0.7 | 286.6% | View Chart |
| Dividend Yield | % | 0.4 | 1.1 | 39.3% |
Financials
 PUNJAB & SIND BANK  DCB BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
DCB BANK Mar-24 |
PUNJAB & SIND BANK/ DCB BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 163 | 47.4% | |
| Low | Rs | 25 | 100 | 25.3% | |
| Income per share (Unadj.) | Rs | 14.3 | 171.4 | 8.3% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 17.1 | 5.1% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 61.7 | 8.0% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 1.25 | 16.0% | |
| Avg Dividend yield | % | 0.4 | 0.9 | 41.0% | |
| Book value per share (Unadj.) | Rs | 22.9 | 162.0 | 14.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 312.80 | 2,166.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.8 | 467.9% | |
| Avg P/E ratio | x | 58.5 | 7.7 | 761.4% | |
| Avg P/CF ratio | x | 30.8 | 4.8 | 646.6% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.8 | 276.0% | |
| Dividend payout | % | 22.8 | 7.3 | 312.1% | |
| Avg Mkt Cap | Rs m | 348,209 | 41,165 | 845.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 7,943 | 244.8% | |
| 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 | 53,620 | 180.8% | |
| Other income | Rs m | 12,215 | 4,742 | 257.6% | |
| Interest expense | Rs m | 68,529 | 34,341 | 199.6% | |
| Net interest income | Rs m | 28,410 | 19,279 | 147.4% | |
| Operating expense | Rs m | 29,316 | 15,377 | 190.6% | |
| Gross profit | Rs m | -905 | 3,902 | -23.2% | |
| Gross profit margin | % | -0.9 | 7.3 | -12.8% | |
| Provisions/contingencies | Rs m | 5,355 | 3,285 | 163.0% | |
| Profit before tax | Rs m | 9,370 | 7,220 | 129.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,416 | 1,860 | 183.6% | |
| Profit after tax | Rs m | 5,954 | 5,360 | 111.1% | |
| Net profit margin | % | 6.1 | 10.0 | 61.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 409,246 | 202.2% | |
| Deposits | Rs m | 1,194,096 | 493,530 | 241.9% | |
| Credit/Deposit ratio | x | 69.3 | 82.9 | 83.6% | |
| Yield on advances | % | 8.4 | 10.4 | 81.1% | |
| Cost of deposits | % | 5.3 | 6.2 | 84.9% | |
| Net Interest Margin | % | 2.1 | 3.4 | 63.6% | |
| Net fixed assets | Rs m | 17,558 | 8,411 | 208.7% | |
| Share capital | Rs m | 67,778 | 3,128 | 2,166.8% | |
| Free reserves | Rs m | 87,556 | 47,551 | 184.1% | |
| Net worth | Rs m | 155,334 | 50,679 | 306.5% | |
| Borrowings | Rs m | 97,709 | 62,195 | 157.1% | |
| Investments | Rs m | 495,992 | 162,108 | 306.0% | |
| Total assets | Rs m | 1,476,565 | 630,370 | 234.2% | |
| Debt/equity ratio | x | 8.3 | 11.0 | 75.8% | |
| Return on assets | % | 0.4 | 0.9 | 47.4% | |
| Return on equity | % | 3.8 | 10.6 | 36.2% | |
| Capital adequacy ratio | % | 17.2 | 16.6 | 103.4% | |
| Net NPAs | % | 1.6 | 1.1 | 146.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -12,398 | -141.1% | |
| From Investments | Rs m | -2,286 | -1,329 | 172.0% | |
| From Financial Activity | Rs m | -4,340 | 20,702 | -21.0% | |
| Net Cashflow | Rs m | 10,863 | 6,975 | 155.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.8 | 12,596.2% | |
| Foreign collaborators | % | 0.0 | 14.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 37.7 | 1.7% | |
| FIIs | % | 0.0 | 11.1 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 85.3 | 2.1% | |
| Shareholders | 199,351 | 247,961 | 80.4% | ||
| 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 DCB 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 DCB Bank Share Price Performance
| Period | Punjab & Sind Bank | DCB Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | -0.70% | -0.42% |
| 1-Month | -11.28% | 0.04% | -2.93% |
| 1-Year | 10.72% | 1.33% | 16.50% |
| 3-Year CAGR | 41.14% | 6.90% | 10.67% |
| 5-Year CAGR | 18.68% | -8.60% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the DCB 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 DCB Bank the stake stands at 14.7%.
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 DCB 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%.
DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 7.3%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of DCB Bank.
For a sector overview, read our banking sector report.
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