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PUNJAB & SIND BANK vs ANDHRA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK ANDHRA BANK PUNJAB & SIND BANK/
ANDHRA BANK
 
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 -  

Financials

 PUNJAB & SIND BANK   ANDHRA BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
ANDHRA BANK
Mar-19
PUNJAB & SIND BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs4547 95.0%   
Low Rs1323 55.1%   
Income per share (Unadj.) Rs11.866.6 17.7%  
Earnings per share (Unadj.) Rs1.9-9.5 -20.4%  
Cash flow per share (Unadj.) Rs5.8-18.0 -32.4%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.346.2 48.2%  
Shares outstanding (eoy) m6,777.792,884.49 235.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.5 462.9%   
Avg P/E ratio x14.8-3.7 -402.3%  
Avg P/CF ratio x13.42.0 675.8%  
Avg Price/Bookvalue ratio x1.30.8 170.0%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,675100,524 192.7%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44423,015 67.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927192,029 41.6%  
Other income Rs m9,40030,881 30.4%   
Interest expense Rs m50,194122,243 41.1%   
Net interest income Rs m29,73469,786 42.6%  
Operating expense Rs m24,63450,058 49.2%   
Gross profit Rs m5,10019,728 25.9%  
Gross profit margin %6.410.3 62.1%  
Provisions/contingencies Rs m1,36978,280 1.7%   
Profit before tax Rs m16,198-23,913 -67.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0251 0.0%   
Tax Rs m3,0683,758 81.6%   
Profit after tax Rs m13,130-27,420 -47.9%  
Net profit margin %16.4-14.3 -115.0%  
BALANCE SHEET DATA
Advances Rs m768,1941,588,479 48.4%   
Deposits Rs m1,096,6552,198,529 49.9%  
Credit/Deposit ratio x70.072.3 97.0%  
Yield on advances %7.28.9 80.3%   
Cost of deposits %4.35.2 82.4%   
Net Interest Margin %2.43.1 79.1%  
Net fixed assets Rs m15,19415,649 97.1%   
Share capital Rs m67,77828,845 235.0%   
Free reserves Rs m83,307104,472 79.7%   
Net worth Rs m151,085133,317 113.3%   
Borrowings Rs m90,184103,146 87.4%   
Investments Rs m448,384669,148 67.0%   
Total assets Rs m1,364,5452,540,440 53.7%  
Debt/equity ratio x7.917.3 45.5%   
Return on assets %1.0-1.1 -89.2%  
Return on equity %8.7-20.6 -42.3%  
Capital adequacy ratio %17.113.7 125.0%  
Net NPAs %1.85.7 32.1%  
CASH FLOW
From Operations Rs m14,28429,181 48.9%  
From Investments Rs m-882-837 105.3%  
From Financial Activity Rs m-13,317-37,515 35.5%  
Net Cashflow Rs m85-9,099 -0.9%  

Share Holding

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Punjab & Sind Bank vs Andhra 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 Andhra Bank Share Price Performance

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.



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