PUNJAB & SIND BANK | RBL BANK | PUNJAB & SIND BANK/ RBL BANK |
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P/E (TTM) | x | 44.3 | 12.2 | 364.7% | View Chart |
P/BV | x | 2.7 | 1.1 | 248.3% | View Chart |
Dividend Yield | % | 0.8 | 0.6 | 128.5% |
PUNJAB & SIND BANK RBL BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
RBL BANK Mar-23 |
PUNJAB & SIND BANK/ RBL BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 189 | 23.6% | |
Low | Rs | 13 | 74 | 16.9% | |
Income per share (Unadj.) | Rs | 11.8 | 159.3 | 7.4% | |
Earnings per share (Unadj.) | Rs | 1.9 | 15.3 | 12.6% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 83.9 | 6.9% | |
Dividends per share (Unadj.) | Rs | 0.48 | 1.50 | 32.0% | |
Avg Dividend yield | % | 1.7 | 1.1 | 147.5% | |
Book value per share (Unadj.) | Rs | 22.3 | 224.3 | 9.9% | |
Shares outstanding (eoy) | m | 6,777.79 | 599.57 | 1,130.4% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.8 | 293.1% | |
Avg P/E ratio | x | 14.8 | 8.6 | 171.8% | |
Avg P/CF ratio | x | 13.4 | 3.5 | 379.5% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.6 | 218.4% | |
Dividend payout | % | 24.8 | 9.8 | 253.3% | |
Avg Mkt Cap | Rs m | 193,675 | 78,948 | 245.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 16,535 | 93.4% | |
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 | 95,496 | 83.7% | |
Other income | Rs m | 9,400 | 25,069 | 37.5% | |
Interest expense | Rs m | 50,194 | 46,786 | 107.3% | |
Net interest income | Rs m | 29,734 | 48,709 | 61.0% | |
Operating expense | Rs m | 24,634 | 51,348 | 48.0% | |
Gross profit | Rs m | 5,100 | -2,638 | -193.3% | |
Gross profit margin | % | 6.4 | -2.8 | -230.9% | |
Provisions/contingencies | Rs m | 1,369 | 13,235 | 10.3% | |
Profit before tax | Rs m | 16,198 | 12,211 | 132.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 3,068 | 3,016 | 101.7% | |
Profit after tax | Rs m | 13,130 | 9,195 | 142.8% | |
Net profit margin | % | 16.4 | 9.6 | 170.6% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 701,864 | 109.5% | |
Deposits | Rs m | 1,096,655 | 848,747 | 129.2% | |
Credit/Deposit ratio | x | 70.0 | 82.7 | 84.7% | |
Yield on advances | % | 7.2 | 10.8 | 66.6% | |
Cost of deposits | % | 4.3 | 4.7 | 91.1% | |
Net Interest Margin | % | 2.4 | 4.9 | 49.6% | |
Net fixed assets | Rs m | 15,194 | 5,532 | 274.7% | |
Share capital | Rs m | 67,778 | 5,996 | 1,130.4% | |
Free reserves | Rs m | 83,307 | 128,511 | 64.8% | |
Net worth | Rs m | 151,085 | 134,507 | 112.3% | |
Borrowings | Rs m | 90,184 | 133,317 | 67.6% | |
Investments | Rs m | 448,384 | 287,303 | 156.1% | |
Total assets | Rs m | 1,364,545 | 1,158,057 | 117.8% | |
Debt/equity ratio | x | 7.9 | 7.3 | 107.6% | |
Return on assets | % | 1.0 | 0.8 | 121.2% | |
Return on equity | % | 8.7 | 6.8 | 127.1% | |
Capital adequacy ratio | % | 17.1 | 16.9 | 101.1% | |
Net NPAs | % | 1.8 | 1.1 | 167.3% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -110,312 | -12.9% | |
From Investments | Rs m | -882 | -2,336 | 37.7% | |
From Financial Activity | Rs m | -13,317 | 22,347 | -59.6% | |
Net Cashflow | Rs m | 85 | -90,301 | -0.1% |
Indian Promoters | % | 98.3 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 48.0 | 1.4% | |
FIIs | % | 0.0 | 28.3 | 0.0% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 100.0 | 1.8% | |
Shareholders | 156,109 | 344,856 | 45.3% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK ICICI BANK AXIS BANK SBI 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 | RBL BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | 6.26% | 0.69% | 0.82% |
1-Month | -4.49% | -6.23% | 2.48% |
1-Year | 151.33% | 77.87% | 19.28% |
3-Year CAGR | 52.63% | 4.87% | 12.00% |
5-Year CAGR | 13.80% | -18.91% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the RBL 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 RBL BANK the stake stands at 0.0%.
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 RBL 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%.
RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 9.8%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of RBL 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.