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PUNJAB & SIND BANK vs BANK OF MAHARASHTRA - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK BANK OF MAHARASHTRA PUNJAB & SIND BANK/
BANK OF MAHARASHTRA
 
P/E (TTM) x 41.9 11.3 371.7% View Chart
P/BV x 2.5 2.6 96.4% View Chart
Dividend Yield % 0.9 2.2 38.3%  

Financials

 PUNJAB & SIND BANK   BANK OF MAHARASHTRA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
BANK OF MAHARASHTRA
Mar-23
PUNJAB & SIND BANK/
BANK OF MAHARASHTRA
5-Yr Chart
Click to enlarge
High Rs4536 123.2%   
Low Rs1315 83.3%   
Income per share (Unadj.) Rs11.823.6 49.9%  
Earnings per share (Unadj.) Rs1.93.9 50.1%  
Cash flow per share (Unadj.) Rs5.85.8 101.2%  
Dividends per share (Unadj.) Rs0.481.30 36.9%  
Avg Dividend yield %1.75.1 33.1%  
Book value per share (Unadj.) Rs22.323.5 95.0%  
Shares outstanding (eoy) m6,777.796,730.50 100.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.1 223.4%   
Avg P/E ratio x14.86.6 222.8%  
Avg P/CF ratio x13.42.8 472.6%  
Avg Price/Bookvalue ratio x1.31.1 117.4%  
Dividend payout %24.833.6 73.8%   
Avg Mkt Cap Rs m193,675172,469 112.3%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44420,581 75.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927158,986 50.3%  
Other income Rs m9,40022,809 41.2%   
Interest expense Rs m50,19481,568 61.5%   
Net interest income Rs m29,73477,418 38.4%  
Operating expense Rs m24,63439,225 62.8%   
Gross profit Rs m5,10038,193 13.4%  
Gross profit margin %6.424.0 26.6%  
Provisions/contingencies Rs m1,36934,975 3.9%   
Profit before tax Rs m16,19834,456 47.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m022 0.0%   
Tax Rs m3,0688,429 36.4%   
Profit after tax Rs m13,13026,050 50.4%  
Net profit margin %16.416.4 100.3%  
BALANCE SHEET DATA
Advances Rs m768,1941,712,207 44.9%   
Deposits Rs m1,096,6552,340,641 46.9%  
Credit/Deposit ratio x70.073.2 95.8%  
Yield on advances %7.26.7 106.8%   
Cost of deposits %4.33.1 140.1%   
Net Interest Margin %2.43.2 75.8%  
Net fixed assets Rs m15,19421,492 70.7%   
Share capital Rs m67,77867,305 100.7%   
Free reserves Rs m83,30790,597 92.0%   
Net worth Rs m151,085157,902 95.7%   
Borrowings Rs m90,184107,657 83.8%   
Investments Rs m448,384690,420 64.9%   
Total assets Rs m1,364,5452,678,272 50.9%  
Debt/equity ratio x7.915.5 50.7%   
Return on assets %1.01.0 98.9%  
Return on equity %8.716.5 52.7%  
Capital adequacy ratio %17.118.1 94.3%  
Net NPAs %1.80.3 736.0%  
CASH FLOW
From Operations Rs m14,284-14,399 -99.2%  
From Investments Rs m-882-1,751 50.4%  
From Financial Activity Rs m-13,3172,279 -584.3%  
Net Cashflow Rs m85-13,871 -0.6%  

Share Holding

Indian Promoters % 98.3 86.5 113.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 5.2 12.8%  
FIIs % 0.0 0.5 2.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 13.5 12.9%  
Shareholders   156,109 677,087 23.1%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs Bank of Maharashtra

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 Bank of Maharashtra Share Price Performance

Period Punjab & Sind Bank Bank of Maharashtra S&P BSE BANKEX
1-Day -2.02% -0.44% -0.39%
1-Month -16.62% -5.60% -0.28%
1-Year 123.45% 138.78% 17.83%
3-Year CAGR 50.64% 45.48% 11.02%
5-Year CAGR 12.72% 34.24% 9.52%

* 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.



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