PUNJAB & SIND BANK | BANK OF MAHARASHTRA | PUNJAB & SIND BANK/ BANK OF MAHARASHTRA |
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P/E (TTM) | x | 45.8 | 12.5 | 365.4% | View Chart |
P/BV | x | 2.8 | 2.9 | 94.8% | View Chart |
Dividend Yield | % | 0.8 | 2.0 | 39.0% |
PUNJAB & SIND BANK BANK OF MAHARASHTRA |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
BANK OF MAHARASHTRA Mar-23 |
PUNJAB & SIND BANK/ BANK OF MAHARASHTRA |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 36 | 123.2% | |
Low | Rs | 13 | 15 | 83.3% | |
Income per share (Unadj.) | Rs | 11.8 | 23.6 | 49.9% | |
Earnings per share (Unadj.) | Rs | 1.9 | 3.9 | 50.1% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 5.8 | 101.2% | |
Dividends per share (Unadj.) | Rs | 0.48 | 1.30 | 36.9% | |
Avg Dividend yield | % | 1.7 | 5.1 | 33.1% | |
Book value per share (Unadj.) | Rs | 22.3 | 23.5 | 95.0% | |
Shares outstanding (eoy) | m | 6,777.79 | 6,730.50 | 100.7% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.1 | 223.4% | |
Avg P/E ratio | x | 14.8 | 6.6 | 222.8% | |
Avg P/CF ratio | x | 13.4 | 2.8 | 472.6% | |
Avg Price/Bookvalue ratio | x | 1.3 | 1.1 | 117.4% | |
Dividend payout | % | 24.8 | 33.6 | 73.8% | |
Avg Mkt Cap | Rs m | 193,675 | 172,469 | 112.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 20,581 | 75.0% | |
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 | 158,986 | 50.3% | |
Other income | Rs m | 9,400 | 22,809 | 41.2% | |
Interest expense | Rs m | 50,194 | 81,568 | 61.5% | |
Net interest income | Rs m | 29,734 | 77,418 | 38.4% | |
Operating expense | Rs m | 24,634 | 39,225 | 62.8% | |
Gross profit | Rs m | 5,100 | 38,193 | 13.4% | |
Gross profit margin | % | 6.4 | 24.0 | 26.6% | |
Provisions/contingencies | Rs m | 1,369 | 34,975 | 3.9% | |
Profit before tax | Rs m | 16,198 | 34,456 | 47.0% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 22 | 0.0% | |
Tax | Rs m | 3,068 | 8,429 | 36.4% | |
Profit after tax | Rs m | 13,130 | 26,050 | 50.4% | |
Net profit margin | % | 16.4 | 16.4 | 100.3% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 1,712,207 | 44.9% | |
Deposits | Rs m | 1,096,655 | 2,340,641 | 46.9% | |
Credit/Deposit ratio | x | 70.0 | 73.2 | 95.8% | |
Yield on advances | % | 7.2 | 6.7 | 106.8% | |
Cost of deposits | % | 4.3 | 3.1 | 140.1% | |
Net Interest Margin | % | 2.4 | 3.2 | 75.8% | |
Net fixed assets | Rs m | 15,194 | 21,492 | 70.7% | |
Share capital | Rs m | 67,778 | 67,305 | 100.7% | |
Free reserves | Rs m | 83,307 | 90,597 | 92.0% | |
Net worth | Rs m | 151,085 | 157,902 | 95.7% | |
Borrowings | Rs m | 90,184 | 107,657 | 83.8% | |
Investments | Rs m | 448,384 | 690,420 | 64.9% | |
Total assets | Rs m | 1,364,545 | 2,678,272 | 50.9% | |
Debt/equity ratio | x | 7.9 | 15.5 | 50.7% | |
Return on assets | % | 1.0 | 1.0 | 98.9% | |
Return on equity | % | 8.7 | 16.5 | 52.7% | |
Capital adequacy ratio | % | 17.1 | 18.1 | 94.3% | |
Net NPAs | % | 1.8 | 0.3 | 736.0% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -14,399 | -99.2% | |
From Investments | Rs m | -882 | -1,751 | 50.4% | |
From Financial Activity | Rs m | -13,317 | 2,279 | -584.3% | |
Net Cashflow | Rs m | 85 | -13,871 | -0.6% |
Indian Promoters | % | 98.3 | 86.5 | 113.6% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 5.7 | 11.7% | |
FIIs | % | 0.0 | 1.0 | 1.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 13.5 | 12.9% | |
Shareholders | 184,679 | 846,746 | 21.8% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
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 | Bank of Maharashtra | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.86% | 1.86% | 0.71% |
1-Month | 7.06% | 10.48% | 4.08% |
1-Year | 88.03% | 117.89% | 13.57% |
3-Year CAGR | 54.17% | 40.68% | 14.40% |
5-Year CAGR | 16.36% | 28.41% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Bank of Maharashtra share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of Bank of Maharashtra the stake stands at 86.5%.
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 Bank of Maharashtra.
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%.
Bank of Maharashtra paid Rs 1.3, and its dividend payout ratio stood at 33.6%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Bank of Maharashtra.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.