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- PUNJAB & SIND BANK - ORIENTAL BANK
PUNJAB & SIND BANK vs ORIENTAL BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | ORIENTAL BANK | PUNJAB & SIND BANK/ ORIENTAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 49.9 | 9.2 | 540.6% | View Chart |
| P/BV | x | 2.2 | 0.3 | 691.7% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  ORIENTAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
ORIENTAL BANK Mar-19 |
PUNJAB & SIND BANK/ ORIENTAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 116 | 66.6% | |
| Low | Rs | 25 | 58 | 43.5% | |
| Income per share (Unadj.) | Rs | 14.3 | 130.4 | 11.0% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 0.4 | 218.9% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | -21.3 | -23.1% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 0 | - | |
| Avg Dividend yield | % | 0.4 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.9 | 137.9 | 16.6% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,370.21 | 494.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.7 | 537.0% | |
| Avg P/E ratio | x | 58.5 | 217.3 | 26.9% | |
| Avg P/CF ratio | x | 30.8 | 3.2 | 967.0% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.6 | 354.5% | |
| Dividend payout | % | 22.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 348,209 | 119,517 | 291.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 23,976 | 81.1% | |
| 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 | 178,677 | 54.3% | |
| Other income | Rs m | 12,215 | 26,691 | 45.8% | |
| Interest expense | Rs m | 68,529 | 123,696 | 55.4% | |
| Net interest income | Rs m | 28,410 | 54,981 | 51.7% | |
| Operating expense | Rs m | 29,316 | 44,134 | 66.4% | |
| Gross profit | Rs m | -905 | 10,847 | -8.3% | |
| Gross profit margin | % | -0.9 | 6.1 | -15.4% | |
| Provisions/contingencies | Rs m | 5,355 | 36,988 | 14.5% | |
| Profit before tax | Rs m | 9,370 | -36,308 | -25.8% | |
| 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 | -36,858 | -9.3% | |
| Profit after tax | Rs m | 5,954 | 550 | 1,082.7% | |
| Net profit margin | % | 6.1 | 0.3 | 1,995.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 1,592,848 | 51.9% | |
| Deposits | Rs m | 1,194,096 | 2,326,454 | 51.3% | |
| Credit/Deposit ratio | x | 69.3 | 68.5 | 101.2% | |
| Yield on advances | % | 8.4 | 7.6 | 110.8% | |
| Cost of deposits | % | 5.3 | 5.0 | 106.5% | |
| Net Interest Margin | % | 2.1 | 2.3 | 93.1% | |
| Net fixed assets | Rs m | 17,558 | 25,551 | 68.7% | |
| Share capital | Rs m | 67,778 | 13,702 | 494.7% | |
| Free reserves | Rs m | 87,556 | 175,310 | 49.9% | |
| Net worth | Rs m | 155,334 | 189,012 | 82.2% | |
| Borrowings | Rs m | 97,709 | 141,194 | 69.2% | |
| Investments | Rs m | 495,992 | 792,678 | 62.6% | |
| Total assets | Rs m | 1,476,565 | 2,719,096 | 54.3% | |
| Debt/equity ratio | x | 8.3 | 13.1 | 63.7% | |
| Return on assets | % | 0.4 | 0 | 1,993.8% | |
| Return on equity | % | 3.8 | 0.3 | 1,317.4% | |
| Capital adequacy ratio | % | 17.2 | 12.7 | 134.8% | |
| Net NPAs | % | 1.6 | 5.9 | 27.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -29,515 | -59.3% | |
| From Investments | Rs m | -2,286 | -2,226 | 102.7% | |
| From Financial Activity | Rs m | -4,340 | 59,688 | -7.3% | |
| Net Cashflow | Rs m | 10,863 | 27,947 | 38.9% | |
Share Holding
| Indian Promoters | % | 98.3 | 87.6 | 112.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 7.6 | 8.5% | |
| FIIs | % | 0.0 | 2.1 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 12.4 | 14.1% | |
| Shareholders | 199,351 | 149,523 | 133.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Oriental 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 Oriental Bank Share Price Performance
| Period | Punjab & Sind Bank | Oriental Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 5.79% | 3.22% | 2.06% |
| 1-Month | 4.41% | 2.49% | 2.64% |
| 1-Year | 20.84% | -59.75% | 20.22% |
| 3-Year CAGR | 42.71% | -31.34% | 11.76% |
| 5-Year CAGR | 19.97% | -28.00% | 10.75% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Oriental 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 Oriental Bank the stake stands at 87.6%.
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 Oriental 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%.
Oriental Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Oriental Bank.
For a sector overview, read our banking sector report.
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