PUNJAB & SIND BANK | ANDHRA BANK | PUNJAB & SIND BANK/ ANDHRA BANK |
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P/E (TTM) | x | 44.3 | -3.0 | - | View Chart |
P/BV | x | 2.7 | 0.2 | 1,262.8% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK ANDHRA BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
ANDHRA BANK Mar-19 |
PUNJAB & SIND BANK/ ANDHRA BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 47 | 95.0% | |
Low | Rs | 13 | 23 | 55.1% | |
Income per share (Unadj.) | Rs | 11.8 | 66.6 | 17.7% | |
Earnings per share (Unadj.) | Rs | 1.9 | -9.5 | -20.4% | |
Cash flow per share (Unadj.) | Rs | 5.8 | -18.0 | -32.4% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 46.2 | 48.2% | |
Shares outstanding (eoy) | m | 6,777.79 | 2,884.49 | 235.0% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.5 | 462.9% | |
Avg P/E ratio | x | 14.8 | -3.7 | -402.3% | |
Avg P/CF ratio | x | 13.4 | 2.0 | 675.8% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.8 | 170.0% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 100,524 | 192.7% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 23,015 | 67.1% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 192,029 | 41.6% | |
Other income | Rs m | 9,400 | 30,881 | 30.4% | |
Interest expense | Rs m | 50,194 | 122,243 | 41.1% | |
Net interest income | Rs m | 29,734 | 69,786 | 42.6% | |
Operating expense | Rs m | 24,634 | 50,058 | 49.2% | |
Gross profit | Rs m | 5,100 | 19,728 | 25.9% | |
Gross profit margin | % | 6.4 | 10.3 | 62.1% | |
Provisions/contingencies | Rs m | 1,369 | 78,280 | 1.7% | |
Profit before tax | Rs m | 16,198 | -23,913 | -67.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 251 | 0.0% | |
Tax | Rs m | 3,068 | 3,758 | 81.6% | |
Profit after tax | Rs m | 13,130 | -27,420 | -47.9% | |
Net profit margin | % | 16.4 | -14.3 | -115.0% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 1,588,479 | 48.4% | |
Deposits | Rs m | 1,096,655 | 2,198,529 | 49.9% | |
Credit/Deposit ratio | x | 70.0 | 72.3 | 97.0% | |
Yield on advances | % | 7.2 | 8.9 | 80.3% | |
Cost of deposits | % | 4.3 | 5.2 | 82.4% | |
Net Interest Margin | % | 2.4 | 3.1 | 79.1% | |
Net fixed assets | Rs m | 15,194 | 15,649 | 97.1% | |
Share capital | Rs m | 67,778 | 28,845 | 235.0% | |
Free reserves | Rs m | 83,307 | 104,472 | 79.7% | |
Net worth | Rs m | 151,085 | 133,317 | 113.3% | |
Borrowings | Rs m | 90,184 | 103,146 | 87.4% | |
Investments | Rs m | 448,384 | 669,148 | 67.0% | |
Total assets | Rs m | 1,364,545 | 2,540,440 | 53.7% | |
Debt/equity ratio | x | 7.9 | 17.3 | 45.5% | |
Return on assets | % | 1.0 | -1.1 | -89.2% | |
Return on equity | % | 8.7 | -20.6 | -42.3% | |
Capital adequacy ratio | % | 17.1 | 13.7 | 125.0% | |
Net NPAs | % | 1.8 | 5.7 | 32.1% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | 29,181 | 48.9% | |
From Investments | Rs m | -882 | -837 | 105.3% | |
From Financial Activity | Rs m | -13,317 | -37,515 | 35.5% | |
Net Cashflow | Rs m | 85 | -9,099 | -0.9% |
Indian Promoters | % | 98.3 | 88.3 | 111.3% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 3.8 | 17.2% | |
FIIs | % | 0.0 | 0.6 | 1.6% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 11.8 | 14.9% | |
Shareholders | 156,109 | 238,812 | 65.4% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK PNB
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | Andhra Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 6.26% | -2.66% | 0.82% |
1-Month | -4.49% | -38.86% | 2.48% |
1-Year | 151.33% | -65.18% | 19.28% |
3-Year CAGR | 52.63% | -45.56% | 12.00% |
5-Year CAGR | 13.80% | -35.02% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Andhra 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 Andhra Bank the stake stands at 88.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Punjab & Sind Bank and the shareholding pattern of Andhra Bank.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.
Andhra 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 Andhra Bank.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.