Punjab & Sind Bank PSB NSEFINANCIALPSU
Company Overview
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and central sector interest subsidiary schemes, roof solar top solar finance, and debt restructuring services. In addition, it offers locker facility and government schemes; life, general, and health insurance services; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding and pay, point of sale, unified payment interface, BBPS, IMPS/USSD, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, residential facilities, and gold card scheme; and social banking services. The company was incorporated in 1908 and is headquartered in New Delhi, India.
Why Investors Should Care
Revenue has grown at a 13.2% CAGR over the past five years.
Trades at a P/E of 12.5, below the sector median of 19.6.
Maintains a net profit margin of 23.5%.
Recent Developments
- Mar 2026 Revenue of ₹5,632.41 Cr (+4.7% YoY); net profit ₹1,321.93 Cr.
- Trailing 12 Months Year-on-year growth — revenue +4.7%, earnings +30.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 13.2%, profit CAGR 0.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 13.17% |
| 1 Year: | 4.67% |
Compounded Profit Growth
| 5 Years: | 0.23% |
| 1 Year: | 30.13% |
Stock Price Performance
| 1 Year: | -16.40% |
| 6 Months: | -5.33% |
| 3 Months: | -2.52% |
| 1 Month: | -3.13% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)47.25 · Neutral
P/E of 12.49 is below the sector median of 19.62 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 23.5%.
- Compounding revenue at 13.2% over 5 years.
CONS
- Trading 25.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PSB Punjab & Sind Bank NSEFINANCIALPSU | 23.23 | 12.49 | ₹16,483.04 Cr | 1.63% | - | 9.35% | 13.17% | 0.23% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 1,231.76 Cr | 1,276.99 Cr | 1,798.78 Cr | 1,369.14 Cr | 1,493.46 Cr | 1,402.17 Cr | 1,371.05 Cr |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | 1,015.95 Cr | 889.30 Cr | 1,031.58 Cr | 1,068.81 Cr | 946.50 Cr | 767.01 Cr | 1,043.10 Cr |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | 1,866.10 Cr | 1,992.38 Cr | 2,036.92 Cr | 2,010.25 Cr | 2,055.81 Cr | 2,055.19 Cr | 2,174.67 Cr |
| Pretax Income | 307.31 Cr | 374.65 Cr | 442.37 Cr | 323.02 Cr | 456.47 Cr | 615.45 Cr | 451.49 Cr |
| Tax Provision | 67.72 Cr | 92.69 Cr | 129.59 Cr | 53.86 Cr | 120.05 Cr | 193.62 Cr | 119.98 Cr |
| Net Income | 239.59 Cr | 281.96 Cr | 312.78 Cr | 269.16 Cr | 336.42 Cr | 421.83 Cr | 331.51 Cr |
| Diluted EPS | 0.35 | 0.42 | 0.46 | 0.38 | 0.47 | 0.59 | 0.47 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 3,886.06 Cr | 3,709.21 Cr | 5,381.34 Cr | 5,632.41 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 2,652.56 Cr | 2,984.52 Cr | 3,334.62 Cr | 3,520.19 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 5,019.35 Cr | 6,852.93 Cr | 7,697.64 Cr | 8,170.09 Cr |
| Pretax Income | - | 1,619.85 Cr | 936.98 Cr | 1,337.55 Cr | 1,752.33 Cr |
| Tax Provision | - | 306.82 Cr | 341.56 Cr | 321.72 Cr | 430.40 Cr |
| Net Income | - | 1,313.03 Cr | 595.42 Cr | 1,015.83 Cr | 1,321.93 Cr |
| Diluted EPS | - | 1.94 | 0.88 | 1.50 | 1.86 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 1.36 L Cr | 1.48 L Cr | 1.62 L Cr | 1.79 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 8,656.16 Cr | 9,056.85 Cr | 10,188.70 Cr | 7,688.84 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 1,652.82 Cr | 1,836.09 Cr | 2,997.99 Cr | 4,341.97 Cr |
| Total Liabilities | - | 1.21 L Cr | 1.32 L Cr | 1.48 L Cr | 1.65 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 9,018.38 Cr | 9,170.86 Cr | 11,879.52 Cr | 13,952.33 Cr |
| Total Equity | - | 15,108.51 Cr | 15,533.43 Cr | 13,354.76 Cr | 14,132.41 Cr |
| Shares Outstanding | - | 677.78 Cr | 677.78 Cr | 709.56 Cr | 709.56 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1,428.36 Cr | 1,746.38 Cr | -2,293.50 Cr | -1,893.11 Cr |
| Investing Cash Flow | - | -88.16 Cr | -228.63 Cr | -167.61 Cr | -240.91 Cr |
| Financing Cash Flow | - | -1,331.70 Cr | -431.47 Cr | 3,898.16 Cr | -386.79 Cr |
| Capital Expenditure | - | -90.31 Cr | -229.07 Cr | -167.41 Cr | -240.75 Cr |
| Free Cash Flow | - | 1,338.05 Cr | 1,517.32 Cr | -2,460.91 Cr | -2,133.86 Cr |
| Net Change in Cash | - | 8.50 Cr | 1,086.29 Cr | 1,437.05 Cr | -2,520.81 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 33.8% | 16.1% | 18.9% | 23.5% |
| ROE % | - | 8.7% | 3.8% | 7.6% | 9.4% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PSB
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PSB — Frequently Asked Questions
What is the current share price of Punjab & Sind Bank (PSB)?
As of 2026-09-08 04:53 IST, Punjab & Sind Bank (PSB) trades at ₹23.23 on NSE. Its 52-week range is ₹20.34 to ₹31.36.
What is the market capitalisation of PSB?
Punjab & Sind Bank (PSB) has a market capitalisation of ₹16,483.04 Cr on NSE.
What is the P/E ratio of PSB?
PSB trades at a trailing price-to-earnings (P/E) ratio of 12.49. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 1.15.
Does PSB pay a dividend?
Punjab & Sind Bank (PSB) currently offers a dividend yield of 1.63%.
What is the return on equity (ROE) of PSB?
PSB has a return on equity (ROE) of 9.35%.
Is PSB a good stock to buy?
This page provides a data-driven analysis of Punjab & Sind Bank (PSB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.