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PUNJAB & SIND BANK vs INDIAN OVERSEAS BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK INDIAN OVERSEAS BANK PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x 44.3 45.2 98.2% View Chart
P/BV x 2.7 4.6 58.8% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 PUNJAB & SIND BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
INDIAN OVERSEAS BANK
Mar-23
PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs4537 121.7%   
Low Rs1315 82.0%   
Income per share (Unadj.) Rs11.810.3 114.9%  
Earnings per share (Unadj.) Rs1.91.1 174.0%  
Cash flow per share (Unadj.) Rs5.82.6 222.8%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.313.2 169.4%  
Shares outstanding (eoy) m6,777.7918,902.41 35.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.42.5 95.8%   
Avg P/E ratio x14.823.3 63.2%  
Avg P/CF ratio x13.48.3 161.8%  
Avg Price/Bookvalue ratio x1.32.0 64.9%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,675490,990 39.4%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44441,024 37.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927194,070 41.2%  
Other income Rs m9,40041,164 22.8%   
Interest expense Rs m50,194111,463 45.0%   
Net interest income Rs m29,73482,607 36.0%  
Operating expense Rs m24,63464,298 38.3%   
Gross profit Rs m5,10018,309 27.9%  
Gross profit margin %6.49.4 67.6%  
Provisions/contingencies Rs m1,36938,433 3.6%   
Profit before tax Rs m16,19823,534 68.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0682,495 123.0%   
Profit after tax Rs m13,13021,040 62.4%  
Net profit margin %16.410.8 151.5%  
BALANCE SHEET DATA
Advances Rs m768,1941,780,677 43.1%   
Deposits Rs m1,096,6552,609,736 42.0%  
Credit/Deposit ratio x70.068.2 102.7%  
Yield on advances %7.27.4 97.0%   
Cost of deposits %4.34.0 106.6%   
Net Interest Margin %2.43.0 80.4%  
Net fixed assets Rs m15,19437,107 40.9%   
Share capital Rs m67,778189,024 35.9%   
Free reserves Rs m83,30759,736 139.5%   
Net worth Rs m151,085248,760 60.7%   
Borrowings Rs m90,184208,038 43.3%   
Investments Rs m448,384936,425 47.9%   
Total assets Rs m1,364,5453,134,499 43.5%  
Debt/equity ratio x7.911.3 69.3%   
Return on assets %1.00.7 143.4%  
Return on equity %8.78.5 102.8%  
Capital adequacy ratio %17.116.1 106.2%  
Net NPAs %1.81.8 100.5%  
CASH FLOW
From Operations Rs m14,284-155,835 -9.2%  
From Investments Rs m-882-5,596 15.8%  
From Financial Activity Rs m-13,317127 -10,445.6%  
Net Cashflow Rs m85-161,304 -0.1%  

Share Holding

Indian Promoters % 98.3 96.4 101.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 1.3 49.6%  
FIIs % 0.0 0.0 33.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 3.6 48.3%  
Shareholders   156,109 727,348 21.5%  
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 Indian Overseas 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 Indian Overseas Bank Share Price Performance

Period Punjab & Sind Bank Indian Overseas Bank S&P BSE BANKEX
1-Day 6.26% 5.41% 0.82%
1-Month -4.49% -5.06% 2.48%
1-Year 151.33% 183.33% 19.28%
3-Year CAGR 52.63% 55.67% 12.00%
5-Year CAGR 13.80% 33.40% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the Indian Overseas 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 Indian Overseas Bank the stake stands at 96.4%.

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 Indian Overseas 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%.

Indian Overseas 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 Indian Overseas Bank.

For a sector overview, read our banking sector report.



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