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- Indian - banking
- PUNJAB & SIND BANK - PNB
PUNJAB & SIND BANK vs PNB - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | PNB | PUNJAB & SIND BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.9 | 8.6 | 558.2% | View Chart |
| P/BV | x | 2.1 | 1.1 | 198.2% | View Chart |
| Dividend Yield | % | 0.4 | 1.5 | 28.2% |
Financials
 PUNJAB & SIND BANK  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
PNB Mar-24 |
PUNJAB & SIND BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 133 | 58.3% | |
| Low | Rs | 25 | 46 | 54.4% | |
| Income per share (Unadj.) | Rs | 14.3 | 99.1 | 14.4% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 8.3 | 10.6% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 23.8 | 20.7% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 1.50 | 13.3% | |
| Avg Dividend yield | % | 0.4 | 1.7 | 23.3% | |
| Book value per share (Unadj.) | Rs | 22.9 | 100.3 | 22.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 11,011.02 | 61.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.9 | 396.5% | |
| Avg P/E ratio | x | 58.5 | 10.8 | 539.1% | |
| Avg P/CF ratio | x | 30.8 | 3.8 | 805.0% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 250.5% | |
| Dividend payout | % | 22.8 | 18.1 | 125.5% | |
| Avg Mkt Cap | Rs m | 348,209 | 987,963 | 35.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 186,432 | 10.4% | |
| 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 | 1,090,646 | 8.9% | |
| Other income | Rs m | 12,215 | 133,294 | 9.2% | |
| Interest expense | Rs m | 68,529 | 685,342 | 10.0% | |
| Net interest income | Rs m | 28,410 | 405,304 | 7.0% | |
| Operating expense | Rs m | 29,316 | 288,090 | 10.2% | |
| Gross profit | Rs m | -905 | 117,214 | -0.8% | |
| Gross profit margin | % | -0.9 | 10.7 | -8.7% | |
| Provisions/contingencies | Rs m | 5,355 | 167,220 | 3.2% | |
| Profit before tax | Rs m | 9,370 | 133,317 | 7.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -500 | -0.0% | |
| Prior Period Items | Rs m | 0 | 8,282 | 0.0% | |
| Tax | Rs m | 3,416 | 50,028 | 6.8% | |
| Profit after tax | Rs m | 5,954 | 91,072 | 6.5% | |
| Net profit margin | % | 6.1 | 8.4 | 73.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 9,417,625 | 8.8% | |
| Deposits | Rs m | 1,194,096 | 13,792,252 | 8.7% | |
| Credit/Deposit ratio | x | 69.3 | 68.3 | 101.5% | |
| Yield on advances | % | 8.4 | 8.1 | 103.4% | |
| Cost of deposits | % | 5.3 | 4.5 | 116.4% | |
| Net Interest Margin | % | 2.1 | 2.9 | 73.5% | |
| Net fixed assets | Rs m | 17,558 | 123,478 | 14.2% | |
| Share capital | Rs m | 67,778 | 22,022 | 307.8% | |
| Free reserves | Rs m | 87,556 | 1,081,845 | 8.1% | |
| Net worth | Rs m | 155,334 | 1,103,867 | 14.1% | |
| Borrowings | Rs m | 97,709 | 725,856 | 13.5% | |
| Investments | Rs m | 495,992 | 4,464,213 | 11.1% | |
| Total assets | Rs m | 1,476,565 | 15,986,360 | 9.2% | |
| Debt/equity ratio | x | 8.3 | 13.2 | 63.2% | |
| Return on assets | % | 0.4 | 0.6 | 70.8% | |
| Return on equity | % | 3.8 | 8.3 | 46.5% | |
| Capital adequacy ratio | % | 17.2 | 16.0 | 107.5% | |
| Net NPAs | % | 1.6 | 0.7 | 223.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -279,394 | -6.3% | |
| From Investments | Rs m | -2,286 | -15,064 | 15.2% | |
| From Financial Activity | Rs m | -4,340 | 35,176 | -12.3% | |
| Net Cashflow | Rs m | 10,863 | -259,283 | -4.2% | |
Share Holding
| Indian Promoters | % | 98.3 | 70.1 | 140.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 20.0 | 3.2% | |
| FIIs | % | 0.0 | 8.4 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 29.9 | 5.8% | |
| Shareholders | 199,351 | 2,579,491 | 7.7% | ||
| 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 PNB
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 PNB Share Price Performance
| Period | Punjab & Sind Bank | PNB | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.04% | 0.36% | 0.39% |
| 1-Month | -8.72% | -1.36% | -2.52% |
| 1-Year | 13.70% | 28.66% | 17.19% |
| 3-Year CAGR | 42.48% | 36.24% | 10.82% |
| 5-Year CAGR | 16.70% | 9.48% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of PNB the stake stands at 70.1%.
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 PNB.
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%.
PNB paid Rs 1.5, and its dividend payout ratio stood at 18.1%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
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