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- PUNJAB & SIND BANK - SOUTH IND.BANK
PUNJAB & SIND BANK vs SOUTH IND.BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | SOUTH IND.BANK | PUNJAB & SIND BANK/ SOUTH IND.BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | 4.8 | 961.5% | View Chart |
| P/BV | x | 2.0 | 0.7 | 304.2% | View Chart |
| Dividend Yield | % | 0.4 | 1.3 | 32.2% |
Financials
 PUNJAB & SIND BANK  SOUTH IND.BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
SOUTH IND.BANK Mar-24 |
PUNJAB & SIND BANK/ SOUTH IND.BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 40 | 193.0% | |
| Low | Rs | 25 | 15 | 171.8% | |
| Income per share (Unadj.) | Rs | 14.3 | 32.9 | 43.4% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 4.1 | 21.5% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 14.2 | 34.7% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 0.30 | 66.7% | |
| Avg Dividend yield | % | 0.4 | 1.1 | 35.6% | |
| Book value per share (Unadj.) | Rs | 22.9 | 33.7 | 67.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 2,615.93 | 259.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.8 | 431.2% | |
| Avg P/E ratio | x | 58.5 | 6.7 | 872.2% | |
| Avg P/CF ratio | x | 30.8 | 3.8 | 801.5% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.8 | 275.7% | |
| Dividend payout | % | 22.8 | 7.3 | 310.5% | |
| Avg Mkt Cap | Rs m | 348,209 | 71,755 | 485.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 17,053 | 114.0% | |
| 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 | 86,128 | 112.6% | |
| Other income | Rs m | 12,215 | 15,145 | 80.7% | |
| Interest expense | Rs m | 68,529 | 52,808 | 129.8% | |
| Net interest income | Rs m | 28,410 | 33,321 | 85.3% | |
| Operating expense | Rs m | 29,316 | 29,788 | 98.4% | |
| Gross profit | Rs m | -905 | 3,533 | -25.6% | |
| Gross profit margin | % | -0.9 | 4.1 | -22.8% | |
| Provisions/contingencies | Rs m | 5,355 | 7,976 | 67.1% | |
| Profit before tax | Rs m | 9,370 | 15,289 | 61.3% | |
| 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 | 4,587 | 74.5% | |
| Profit after tax | Rs m | 5,954 | 10,702 | 55.6% | |
| Net profit margin | % | 6.1 | 12.4 | 49.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 780,606 | 106.0% | |
| Deposits | Rs m | 1,194,096 | 1,019,191 | 117.2% | |
| Credit/Deposit ratio | x | 69.3 | 76.6 | 90.5% | |
| Yield on advances | % | 8.4 | 8.8 | 95.2% | |
| Cost of deposits | % | 5.3 | 4.8 | 109.6% | |
| Net Interest Margin | % | 2.1 | 3.3 | 65.7% | |
| Net fixed assets | Rs m | 17,558 | 8,211 | 213.8% | |
| Share capital | Rs m | 67,778 | 2,616 | 2,591.0% | |
| Free reserves | Rs m | 87,556 | 85,621 | 102.3% | |
| Net worth | Rs m | 155,334 | 88,237 | 176.0% | |
| Borrowings | Rs m | 97,709 | 39,121 | 249.8% | |
| Investments | Rs m | 495,992 | 239,765 | 206.9% | |
| Total assets | Rs m | 1,476,565 | 1,174,125 | 125.8% | |
| Debt/equity ratio | x | 8.3 | 12.0 | 69.3% | |
| Return on assets | % | 0.4 | 0.9 | 44.2% | |
| Return on equity | % | 3.8 | 12.1 | 31.6% | |
| Capital adequacy ratio | % | 17.2 | 19.9 | 86.2% | |
| Net NPAs | % | 1.6 | 1.5 | 111.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 70,752 | 24.7% | |
| From Investments | Rs m | -2,286 | -19,859 | 11.5% | |
| From Financial Activity | Rs m | -4,340 | -21,476 | 20.2% | |
| Net Cashflow | Rs m | 10,863 | 29,417 | 36.9% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 16.7 | 3.9% | |
| FIIs | % | 0.0 | 11.5 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 199,351 | 1,247,471 | 16.0% | ||
| 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 South Ind.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 South Ind.Bank Share Price Performance
| Period | Punjab & Sind Bank | South Ind.Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | -2.05% | -0.42% |
| 1-Month | -11.28% | -9.92% | -2.93% |
| 1-Year | 10.72% | -9.19% | 16.50% |
| 3-Year CAGR | 41.14% | 36.26% | 10.67% |
| 5-Year CAGR | 18.68% | 15.33% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the South Ind.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 South Ind.Bank the stake stands at 0.0%.
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 South Ind.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%.
South Ind.Bank paid Rs 0.3, 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 South Ind.Bank.
For a sector overview, read our banking sector report.
Today's Market
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On Thursday, Indian share markets traded lower throughout the trading session and ended on a weak note.
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