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PUNJAB & SIND BANK vs BANDHAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK BANDHAN BANK PUNJAB & SIND BANK/
BANDHAN BANK
 
P/E (TTM) x 44.3 9.7 456.0% View Chart
P/BV x 2.7 1.5 180.8% View Chart
Dividend Yield % 0.8 0.8 96.5%  

Financials

 PUNJAB & SIND BANK   BANDHAN BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
BANDHAN BANK
Mar-23
PUNJAB & SIND BANK/
BANDHAN BANK
5-Yr Chart
Click to enlarge
High Rs45350 12.8%   
Low Rs13182 6.9%   
Income per share (Unadj.) Rs11.898.7 11.9%  
Earnings per share (Unadj.) Rs1.913.6 14.2%  
Cash flow per share (Unadj.) Rs5.816.3 35.6%  
Dividends per share (Unadj.) Rs0.481.50 32.0%  
Avg Dividend yield %1.70.6 297.7%  
Book value per share (Unadj.) Rs22.3121.5 18.3%  
Shares outstanding (eoy) m6,777.791,610.84 420.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.42.7 90.0%   
Avg P/E ratio x14.819.5 75.6%  
Avg P/CF ratio x13.46.0 221.2%  
Avg Price/Bookvalue ratio x1.32.2 58.6%  
Dividend payout %24.811.0 225.0%   
Avg Mkt Cap Rs m193,675428,241 45.2%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44427,151 56.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927159,047 50.3%  
Other income Rs m9,40024,686 38.1%   
Interest expense Rs m50,19466,451 75.5%   
Net interest income Rs m29,73492,596 32.1%  
Operating expense Rs m24,63446,368 53.1%   
Gross profit Rs m5,10046,228 11.0%  
Gross profit margin %6.429.1 22.0%  
Provisions/contingencies Rs m1,36948,967 2.8%   
Profit before tax Rs m16,19828,930 56.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0686,983 43.9%   
Profit after tax Rs m13,13021,946 59.8%  
Net profit margin %16.413.8 119.1%  
BALANCE SHEET DATA
Advances Rs m768,1941,047,568 73.3%   
Deposits Rs m1,096,6551,080,693 101.5%  
Credit/Deposit ratio x70.096.9 72.3%  
Yield on advances %7.213.1 54.5%   
Cost of deposits %4.35.0 85.2%   
Net Interest Margin %2.46.8 36.2%  
Net fixed assets Rs m15,1945,089 298.6%   
Share capital Rs m67,77816,108 420.8%   
Free reserves Rs m83,307179,614 46.4%   
Net worth Rs m151,085195,722 77.2%   
Borrowings Rs m90,184247,108 36.5%   
Investments Rs m448,384323,659 138.5%   
Total assets Rs m1,364,5451,557,700 87.6%  
Debt/equity ratio x7.96.8 115.8%   
Return on assets %1.01.4 68.3%  
Return on equity %8.711.2 77.5%  
Capital adequacy ratio %17.119.8 86.5%  
Net NPAs %1.81.2 157.3%  
CASH FLOW
From Operations Rs m14,284-42,446 -33.7%  
From Investments Rs m-882-16,179 5.4%  
From Financial Activity Rs m-13,31747,913 -27.8%  
Net Cashflow Rs m85-10,713 -0.8%  

Share Holding

Indian Promoters % 98.3 40.0 245.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 49.6 1.3%  
FIIs % 0.0 34.8 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 60.0 2.9%  
Shareholders   156,109 550,138 28.4%  
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    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs BANDHAN 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 BANDHAN BANK Share Price Performance

Period Punjab & Sind Bank BANDHAN BANK S&P BSE BANKEX
1-Day 6.26% -0.39% 0.82%
1-Month -4.49% -8.39% 2.48%
1-Year 151.33% -3.95% 19.28%
3-Year CAGR 52.63% -18.79% 12.00%
5-Year CAGR 13.80% -19.15% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the BANDHAN 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 BANDHAN BANK the stake stands at 40.0%.

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 BANDHAN 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%.

BANDHAN BANK paid Rs 1.5, and its dividend payout ratio stood at 11.0%.

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

For a sector overview, read our banking sector report.



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