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- PUNJAB & SIND BANK - INDIAN BANK
PUNJAB & SIND BANK vs INDIAN BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | INDIAN BANK | PUNJAB & SIND BANK/ INDIAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 50.6 | 8.1 | 626.2% | View Chart |
| P/BV | x | 2.2 | 1.3 | 171.5% | View Chart |
| Dividend Yield | % | 0.4 | 2.1 | 19.0% |
Financials
 PUNJAB & SIND BANK  INDIAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
INDIAN BANK Mar-24 |
PUNJAB & SIND BANK/ INDIAN BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 573 | 13.5% | |
| Low | Rs | 25 | 267 | 9.4% | |
| Income per share (Unadj.) | Rs | 14.3 | 413.2 | 3.5% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 62.5 | 1.4% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 129.6 | 3.8% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 12.00 | 1.7% | |
| Avg Dividend yield | % | 0.4 | 2.9 | 13.6% | |
| Book value per share (Unadj.) | Rs | 22.9 | 447.3 | 5.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,346.96 | 503.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 1.0 | 353.0% | |
| Avg P/E ratio | x | 58.5 | 6.7 | 869.6% | |
| Avg P/CF ratio | x | 30.8 | 3.3 | 936.9% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 238.5% | |
| Dividend payout | % | 22.8 | 19.2 | 118.6% | |
| Avg Mkt Cap | Rs m | 348,209 | 566,196 | 61.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 93,199 | 20.9% | |
| 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 | 96,940 | 556,497 | 17.4% | |
| Other income | Rs m | 12,215 | 85,820 | 14.2% | |
| Interest expense | Rs m | 68,529 | 323,408 | 21.2% | |
| Net interest income | Rs m | 28,410 | 233,090 | 12.2% | |
| Operating expense | Rs m | 29,316 | 149,528 | 19.6% | |
| Gross profit | Rs m | -905 | 83,562 | -1.1% | |
| Gross profit margin | % | -0.9 | 15.0 | -6.2% | |
| Provisions/contingencies | Rs m | 5,355 | 88,090 | 6.1% | |
| Profit before tax | Rs m | 9,370 | 110,174 | 8.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -31 | -0.0% | |
| Prior Period Items | Rs m | 0 | 2,934 | 0.0% | |
| Tax | Rs m | 3,416 | 28,882 | 11.8% | |
| Profit after tax | Rs m | 5,954 | 84,194 | 7.1% | |
| Net profit margin | % | 6.1 | 15.1 | 40.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 5,148,891 | 16.1% | |
| Deposits | Rs m | 1,194,096 | 6,879,531 | 17.4% | |
| Credit/Deposit ratio | x | 69.3 | 74.8 | 92.6% | |
| Yield on advances | % | 8.4 | 7.9 | 106.5% | |
| Cost of deposits | % | 5.3 | 4.4 | 119.3% | |
| Net Interest Margin | % | 2.1 | 3.2 | 67.2% | |
| Net fixed assets | Rs m | 17,558 | 75,226 | 23.3% | |
| Share capital | Rs m | 67,778 | 13,470 | 503.2% | |
| Free reserves | Rs m | 87,556 | 589,012 | 14.9% | |
| Net worth | Rs m | 155,334 | 602,482 | 25.8% | |
| Borrowings | Rs m | 97,709 | 231,429 | 42.2% | |
| Investments | Rs m | 495,992 | 2,152,418 | 23.0% | |
| Total assets | Rs m | 1,476,565 | 7,957,088 | 18.6% | |
| Debt/equity ratio | x | 8.3 | 11.8 | 70.5% | |
| Return on assets | % | 0.4 | 1.1 | 38.1% | |
| Return on equity | % | 3.8 | 14.0 | 27.4% | |
| Capital adequacy ratio | % | 17.2 | 16.4 | 104.4% | |
| Net NPAs | % | 1.6 | 0.4 | 379.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -86,173 | -20.3% | |
| From Investments | Rs m | -2,286 | -6,177 | 37.0% | |
| From Financial Activity | Rs m | -4,340 | 11,951 | -36.3% | |
| Net Cashflow | Rs m | 10,863 | -80,399 | -13.5% | |
Share Holding
| Indian Promoters | % | 98.3 | 73.8 | 133.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 22.3 | 2.9% | |
| FIIs | % | 0.0 | 5.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 26.2 | 6.7% | |
| Shareholders | 199,351 | 325,449 | 61.3% | ||
| 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 Indian 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 Indian Bank Share Price Performance
| Period | Punjab & Sind Bank | Indian Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.01% | 2.47% | -0.81% |
| 1-Month | 3.60% | 3.97% | 1.21% |
| 1-Year | 22.42% | 42.15% | 19.39% |
| 3-Year CAGR | 46.24% | 58.41% | 12.84% |
| 5-Year CAGR | 19.75% | 35.40% | 10.15% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Indian 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 Indian Bank the stake stands at 73.8%.
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 Indian 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%.
Indian Bank paid Rs 12.0, and its dividend payout ratio stood at 19.2%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Indian Bank.
For a sector overview, read our banking sector report.
Today's Market
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Sensex Today Tanks 1,190 Points | Nifty Ends Below 23,900 | 3 Reasons Why Indian Share Market is Falling(Closing)
After starting the day on a flattish note with a positive bias, the benchmarks showcased heightened volatility and ended the day weak.
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