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- PNB - PUNJAB & SIND BANK
PNB vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| PNB | PUNJAB & SIND BANK | PNB/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 49.4 | 18.0% | View Chart |
| P/BV | x | 1.1 | 2.1 | 50.8% | View Chart |
| Dividend Yield | % | 1.4 | 0.4 | 352.5% |
Financials
 PNB  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PNB Mar-24 |
PUNJAB & SIND BANK Mar-24 |
PNB/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 133 | 78 | 171.6% | |
| Low | Rs | 46 | 25 | 184.0% | |
| Income per share (Unadj.) | Rs | 99.1 | 14.3 | 692.5% | |
| Earnings per share (Unadj.) | Rs | 8.3 | 0.9 | 941.5% | |
| Cash flow per share (Unadj.) | Rs | 23.8 | 4.9 | 483.8% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 0.20 | 750.0% | |
| Avg Dividend yield | % | 1.7 | 0.4 | 429.4% | |
| Book value per share (Unadj.) | Rs | 100.3 | 22.9 | 437.4% | |
| Shares outstanding (eoy) | m | 11,011.02 | 6,777.79 | 162.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 3.6 | 25.2% | |
| Avg P/E ratio | x | 10.8 | 58.5 | 18.5% | |
| Avg P/CF ratio | x | 3.8 | 30.8 | 12.4% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.2 | 39.9% | |
| Dividend payout | % | 18.1 | 22.8 | 79.7% | |
| Avg Mkt Cap | Rs m | 987,963 | 348,209 | 283.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 186,432 | 19,442 | 958.9% | |
| 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 | 1,090,646 | 96,940 | 1,125.1% | |
| Other income | Rs m | 133,294 | 12,215 | 1,091.3% | |
| Interest expense | Rs m | 685,342 | 68,529 | 1,000.1% | |
| Net interest income | Rs m | 405,304 | 28,410 | 1,426.6% | |
| Operating expense | Rs m | 288,090 | 29,316 | 982.7% | |
| Gross profit | Rs m | 117,214 | -905 | -12,947.3% | |
| Gross profit margin | % | 10.7 | -0.9 | -1,150.8% | |
| Provisions/contingencies | Rs m | 167,220 | 5,355 | 3,122.6% | |
| Profit before tax | Rs m | 133,317 | 9,370 | 1,422.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -500 | 0 | - | |
| Prior Period Items | Rs m | 8,282 | 0 | - | |
| Tax | Rs m | 50,028 | 3,416 | 1,464.7% | |
| Profit after tax | Rs m | 91,072 | 5,954 | 1,529.5% | |
| Net profit margin | % | 8.4 | 6.1 | 136.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 9,417,625 | 827,364 | 1,138.3% | |
| Deposits | Rs m | 13,792,252 | 1,194,096 | 1,155.0% | |
| Credit/Deposit ratio | x | 68.3 | 69.3 | 98.5% | |
| Yield on advances | % | 8.1 | 8.4 | 96.7% | |
| Cost of deposits | % | 4.5 | 5.3 | 85.9% | |
| Net Interest Margin | % | 2.9 | 2.1 | 136.0% | |
| Net fixed assets | Rs m | 123,478 | 17,558 | 703.3% | |
| Share capital | Rs m | 22,022 | 67,778 | 32.5% | |
| Free reserves | Rs m | 1,081,845 | 87,556 | 1,235.6% | |
| Net worth | Rs m | 1,103,867 | 155,334 | 710.6% | |
| Borrowings | Rs m | 725,856 | 97,709 | 742.9% | |
| Investments | Rs m | 4,464,213 | 495,992 | 900.1% | |
| Total assets | Rs m | 15,986,360 | 1,476,565 | 1,082.7% | |
| Debt/equity ratio | x | 13.2 | 8.3 | 158.1% | |
| Return on assets | % | 0.6 | 0.4 | 141.3% | |
| Return on equity | % | 8.3 | 3.8 | 215.2% | |
| Capital adequacy ratio | % | 16.0 | 17.2 | 93.1% | |
| Net NPAs | % | 0.7 | 1.6 | 44.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -279,394 | 17,489 | -1,597.6% | |
| From Investments | Rs m | -15,064 | -2,286 | 658.9% | |
| From Financial Activity | Rs m | 35,176 | -4,340 | -810.6% | |
| Net Cashflow | Rs m | -259,283 | 10,863 | -2,386.9% | |
Share Holding
| Indian Promoters | % | 70.1 | 98.3 | 71.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 20.0 | 0.7 | 3,080.0% | |
| FIIs | % | 8.4 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 29.9 | 1.8 | 1,709.7% | |
| Shareholders | 2,579,491 | 199,351 | 1,293.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PNB With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on PNB vs Punjab & Sind Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
PNB vs Punjab & Sind Bank Share Price Performance
| Period | PNB | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 4.88% | 4.75% | 1.96% |
| 1-Month | 9.28% | 3.38% | 2.55% |
| 1-Year | 33.26% | 19.65% | 20.11% |
| 3-Year CAGR | 37.87% | 42.24% | 11.72% |
| 5-Year CAGR | 10.21% | 19.73% | 10.73% |
* Compound Annual Growth Rate
Here are more details on the PNB share price and the Punjab & Sind Bank share price.
Moving on to shareholding structures...
The promoters of PNB hold a 70.1% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB and the shareholding pattern of Punjab & Sind Bank.
Finally, a word on dividends...
In the most recent financial year, PNB paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 18.1%.
Punjab & Sind Bank paid Rs 0.2, and its dividend payout ratio stood at 22.8%.
You may visit here to review the dividend history of PNB, and the dividend history of Punjab & Sind Bank.
For a sector overview, read our banking sector report.
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