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- PUNJAB & SIND BANK - J&K BANK
PUNJAB & SIND BANK vs J&K BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | J&K BANK | PUNJAB & SIND BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.2 | 5.1 | 919.1% | View Chart |
| P/BV | x | 2.0 | 0.9 | 239.7% | View Chart |
| Dividend Yield | % | 0.4 | 2.3 | 18.8% |
Financials
 PUNJAB & SIND BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
J&K BANK Mar-24 |
PUNJAB & SIND BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 152 | 50.8% | |
| Low | Rs | 25 | 48 | 52.1% | |
| Income per share (Unadj.) | Rs | 14.3 | 101.8 | 14.0% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 16.1 | 5.5% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 51.2 | 9.6% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 2.15 | 9.3% | |
| Avg Dividend yield | % | 0.4 | 2.1 | 18.2% | |
| Book value per share (Unadj.) | Rs | 22.9 | 110.7 | 20.7% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,101.18 | 615.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 1.0 | 364.2% | |
| Avg P/E ratio | x | 58.5 | 6.2 | 936.6% | |
| Avg P/CF ratio | x | 30.8 | 4.8 | 635.2% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 247.1% | |
| Dividend payout | % | 22.8 | 13.4 | 170.3% | |
| Avg Mkt Cap | Rs m | 348,209 | 110,597 | 314.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 25,790 | 75.4% | |
| 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 | 112,132 | 86.5% | |
| Other income | Rs m | 12,215 | 8,377 | 145.8% | |
| Interest expense | Rs m | 68,529 | 60,079 | 114.1% | |
| Net interest income | Rs m | 28,410 | 52,053 | 54.6% | |
| Operating expense | Rs m | 29,316 | 37,626 | 77.9% | |
| Gross profit | Rs m | -905 | 14,427 | -6.3% | |
| Gross profit margin | % | -0.9 | 12.9 | -7.3% | |
| Provisions/contingencies | Rs m | 5,355 | 5,105 | 104.9% | |
| Profit before tax | Rs m | 9,370 | 23,881 | 39.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 3,416 | 6,182 | 55.3% | |
| Profit after tax | Rs m | 5,954 | 17,712 | 33.6% | |
| Net profit margin | % | 6.1 | 15.8 | 38.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 937,566 | 88.2% | |
| Deposits | Rs m | 1,194,096 | 1,347,632 | 88.6% | |
| Credit/Deposit ratio | x | 69.3 | 69.6 | 99.6% | |
| Yield on advances | % | 8.4 | 9.2 | 91.5% | |
| Cost of deposits | % | 5.3 | 4.2 | 125.3% | |
| Net Interest Margin | % | 2.1 | 4.0 | 53.1% | |
| Net fixed assets | Rs m | 17,558 | 22,083 | 79.5% | |
| Share capital | Rs m | 67,778 | 1,101 | 6,154.2% | |
| Free reserves | Rs m | 87,556 | 120,826 | 72.5% | |
| Net worth | Rs m | 155,334 | 121,927 | 127.4% | |
| Borrowings | Rs m | 97,709 | 28,850 | 338.7% | |
| Investments | Rs m | 495,992 | 349,002 | 142.1% | |
| Total assets | Rs m | 1,476,565 | 1,545,046 | 95.6% | |
| Debt/equity ratio | x | 8.3 | 11.3 | 73.7% | |
| Return on assets | % | 0.4 | 1.1 | 35.2% | |
| Return on equity | % | 3.8 | 14.5 | 26.4% | |
| Capital adequacy ratio | % | 17.2 | 15.4 | 111.3% | |
| Net NPAs | % | 1.6 | 0.8 | 206.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -8,526 | -205.1% | |
| From Investments | Rs m | -2,286 | -2,573 | 88.9% | |
| From Financial Activity | Rs m | -4,340 | 4,074 | -106.5% | |
| Net Cashflow | Rs m | 10,863 | -7,024 | -154.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 59.4 | 165.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 12.9 | 5.1% | |
| FIIs | % | 0.0 | 6.5 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 40.6 | 4.3% | |
| Shareholders | 199,351 | 278,050 | 71.7% | ||
| 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 J&K 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 J&K Bank Share Price Performance
| Period | Punjab & Sind Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.27% | 0.26% | 1.61% |
| 1-Month | -4.38% | 3.84% | -0.07% |
| 1-Year | 14.59% | -14.22% | 18.92% |
| 3-Year CAGR | 41.73% | 34.47% | 11.26% |
| 5-Year CAGR | 18.63% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the J&K 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 J&K Bank the stake stands at 59.4%.
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 J&K 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%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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