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PUNJAB & SIND BANK vs SBI - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK SBI PUNJAB & SIND BANK/
SBI
 
P/E (TTM) x 44.3 10.4 427.5% View Chart
P/BV x 2.7 1.9 143.2% View Chart
Dividend Yield % 0.8 1.5 53.5%  

Financials

 PUNJAB & SIND BANK   SBI
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
SBI
Mar-23
PUNJAB & SIND BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs45630 7.1%   
Low Rs13431 2.9%   
Income per share (Unadj.) Rs11.8393.1 3.0%  
Earnings per share (Unadj.) Rs1.962.4 3.1%  
Cash flow per share (Unadj.) Rs5.8254.7 2.3%  
Dividends per share (Unadj.) Rs0.4811.30 4.2%  
Avg Dividend yield %1.72.1 78.8%  
Book value per share (Unadj.) Rs22.3402.2 5.5%  
Shares outstanding (eoy) m6,777.798,924.61 75.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.3 179.7%   
Avg P/E ratio x14.88.5 173.5%  
Avg P/CF ratio x13.45.1 261.6%  
Avg Price/Bookvalue ratio x1.31.3 97.2%  
Dividend payout %24.818.1 136.7%   
Avg Mkt Cap Rs m193,6754,732,052 4.1%   
No. of employees `000NANA-   
Total wages & salary Rs m15,444619,209 2.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,9273,508,446 2.3%  
Other income Rs m9,4001,225,336 0.8%   
Interest expense Rs m50,1941,899,808 2.6%   
Net interest income Rs m29,7341,608,638 1.8%  
Operating expense Rs m24,6341,898,145 1.3%   
Gross profit Rs m5,100-289,507 -1.8%  
Gross profit margin %6.4-8.3 -77.3%  
Provisions/contingencies Rs m1,369370,244 0.4%   
Profit before tax Rs m16,198753,983 2.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-21,017 -0.0%   
Prior Period Items Rs m011,915 0.0%   
Tax Rs m3,068188,399 1.6%   
Profit after tax Rs m13,130556,482 2.4%  
Net profit margin %16.415.9 103.6%  
BALANCE SHEET DATA
Advances Rs m768,19432,679,021 2.4%   
Deposits Rs m1,096,65544,685,355 2.5%  
Credit/Deposit ratio x70.073.1 95.8%  
Yield on advances %7.27.0 102.3%   
Cost of deposits %4.33.7 117.6%   
Net Interest Margin %2.43.1 78.7%  
Net fixed assets Rs m15,194440,238 3.5%   
Share capital Rs m67,7788,925 759.4%   
Free reserves Rs m83,3073,580,389 2.3%   
Net worth Rs m151,0853,589,313 4.2%   
Borrowings Rs m90,1845,211,520 1.7%   
Investments Rs m448,38419,131,079 2.3%   
Total assets Rs m1,364,54559,544,183 2.3%  
Debt/equity ratio x7.913.9 56.5%   
Return on assets %1.00.9 103.0%  
Return on equity %8.715.5 56.1%  
Capital adequacy ratio %17.114.7 116.5%  
Net NPAs %1.80.7 274.6%  
CASH FLOW
From Operations Rs m14,284-860,137 -1.7%  
From Investments Rs m-882-40,410 2.2%  
From Financial Activity Rs m-13,31763,864 -20.9%  
Net Cashflow Rs m85-805,932 -0.0%  

Share Holding

Indian Promoters % 98.3 57.5 170.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 35.1 1.9%  
FIIs % 0.0 10.9 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 42.5 4.1%  
Shareholders   156,109 3,047,685 5.1%  
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    ICICI BANK    AXIS BANK    PNB    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs SBI

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 SBI Share Price Performance

Period Punjab & Sind Bank SBI S&P BSE BANKEX
1-Day 6.26% 2.53% 0.82%
1-Month -4.49% 1.38% 2.48%
1-Year 151.33% 48.12% 19.28%
3-Year CAGR 52.63% 27.74% 12.00%
5-Year CAGR 13.80% 18.77% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the SBI share price.

Moving on to shareholding structures...

The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of SBI the stake stands at 57.5%.

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 SBI.

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%.

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of SBI.

For a sector overview, read our banking sector report.



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