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- PNB - PUNJAB & SIND BANK
PNB vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| PNB | PUNJAB & SIND BANK | PNB/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 20.3 | 43.7 | 46.4% | View Chart |
| P/BV | x | 1.4 | 2.6 | 52.0% | View Chart |
| Dividend Yield | % | 0.5 | 0.8 | 62.1% |
Financials
 PNB  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PNB Mar-23 |
PUNJAB & SIND BANK Mar-23 |
PNB/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 62 | 45 | 139.0% | |
| Low | Rs | 28 | 13 | 224.4% | |
| Income per share (Unadj.) | Rs | 78.9 | 11.8 | 668.8% | |
| Earnings per share (Unadj.) | Rs | 3.0 | 1.9 | 157.0% | |
| Cash flow per share (Unadj.) | Rs | 8.7 | 5.8 | 149.9% | |
| Dividends per share (Unadj.) | Rs | 0.65 | 0.48 | 135.4% | |
| Avg Dividend yield | % | 1.4 | 1.7 | 85.9% | |
| Book value per share (Unadj.) | Rs | 93.4 | 22.3 | 419.2% | |
| Shares outstanding (eoy) | m | 11,011.02 | 6,777.79 | 162.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.4 | 23.6% | |
| Avg P/E ratio | x | 14.8 | 14.8 | 100.4% | |
| Avg P/CF ratio | x | 2.1 | 13.4 | 16.0% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.3 | 37.6% | |
| Dividend payout | % | 21.4 | 24.8 | 86.3% | |
| Avg Mkt Cap | Rs m | 496,046 | 193,675 | 256.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 149,426 | 15,444 | 967.5% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 868,453 | 79,927 | 1,086.6% | |
| Other income | Rs m | 122,396 | 9,400 | 1,302.1% | |
| Interest expense | Rs m | 518,170 | 50,194 | 1,032.3% | |
| Net interest income | Rs m | 350,283 | 29,734 | 1,178.1% | |
| Operating expense | Rs m | 243,357 | 24,634 | 987.9% | |
| Gross profit | Rs m | 106,926 | 5,100 | 2,096.7% | |
| Gross profit margin | % | 12.3 | 6.4 | 193.0% | |
| Provisions/contingencies | Rs m | 198,629 | 1,369 | 14,508.0% | |
| Profit before tax | Rs m | 48,614 | 16,198 | 300.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -103 | 0 | - | |
| Prior Period Items | Rs m | 2,894 | 0 | - | |
| Tax | Rs m | 17,921 | 3,068 | 584.1% | |
| Profit after tax | Rs m | 33,485 | 13,130 | 255.0% | |
| Net profit margin | % | 3.9 | 16.4 | 23.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 8,374,590 | 768,194 | 1,090.2% | |
| Deposits | Rs m | 12,903,471 | 1,096,655 | 1,176.6% | |
| Credit/Deposit ratio | x | 64.9 | 70.0 | 92.7% | |
| Yield on advances | % | 6.9 | 7.2 | 96.3% | |
| Cost of deposits | % | 3.6 | 4.3 | 84.7% | |
| Net Interest Margin | % | 2.8 | 2.4 | 114.3% | |
| Net fixed assets | Rs m | 120,840 | 15,194 | 795.3% | |
| Share capital | Rs m | 22,022 | 67,778 | 32.5% | |
| Free reserves | Rs m | 1,006,783 | 83,307 | 1,208.5% | |
| Net worth | Rs m | 1,028,805 | 151,085 | 680.9% | |
| Borrowings | Rs m | 701,486 | 90,184 | 777.8% | |
| Investments | Rs m | 4,169,138 | 448,384 | 929.8% | |
| Total assets | Rs m | 14,936,490 | 1,364,545 | 1,094.6% | |
| Debt/equity ratio | x | 13.2 | 7.9 | 168.3% | |
| Return on assets | % | 0.2 | 1.0 | 23.3% | |
| Return on equity | % | 3.3 | 8.7 | 37.5% | |
| Capital adequacy ratio | % | 15.5 | 17.1 | 90.6% | |
| Net NPAs | % | 2.7 | 1.8 | 147.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 225,921 | 14,284 | 1,581.7% | |
| From Investments | Rs m | -7,325 | -882 | 830.9% | |
| From Financial Activity | Rs m | 12,750 | -13,317 | -95.7% | |
| Net Cashflow | Rs m | 231,346 | 85 | 272,267.9% | |
Share Holding
| Indian Promoters | % | 73.2 | 98.3 | 74.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 17.2 | 0.7 | 2,564.2% | |
| FIIs | % | 4.8 | 0.0 | 24,100.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 26.9 | 1.8 | 1,534.3% | |
| Shareholders | 2,353,625 | 184,679 | 1,274.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PNB With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on PNB vs Punjab & Sind Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
PNB vs Punjab & Sind Bank Share Price Performance
| Period | PNB | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -1.00% | -0.79% | 1.02% |
| 1-Month | 10.04% | 4.44% | 2.05% |
| 1-Year | 164.43% | 85.14% | 12.30% |
| 3-Year CAGR | 56.98% | 50.22% | 14.92% |
| 5-Year CAGR | 8.17% | 15.31% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the PNB share price and the Punjab & Sind Bank share price.
Moving on to shareholding structures...
The promoters of PNB hold a 73.2% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB and the shareholding pattern of Punjab & Sind Bank.
Finally, a word on dividends...
In the most recent financial year, PNB paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 21.4%.
Punjab & Sind Bank paid Rs 0.5, and its dividend payout ratio stood at 24.8%.
You may visit here to review the dividend history of PNB, and the dividend history of Punjab & Sind Bank.
For a sector overview, read our banking sector report.
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