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Compare Punjab & Sind Bank with Bank of Baroda - Equitymaster
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PUNJAB & SIND BANK vs BANK OF BARODA - Comparison Results

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    PUNJAB & SIND BANK BANK OF BARODA PUNJAB & SIND BANK/
BANK OF BARODA
 
P/E (TTM) x 5.6 32.4 17.4% View Chart
P/BV x 0.3 0.9 38.6% View Chart
Dividend Yield % 1.3 0.7 173.2%  

Financials

 PUNJAB & SIND BANK   BANK OF BARODA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
BANK OF BARODA
Mar-17
PUNJAB & SIND BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs84192 43.8%   
Low Rs44128 34.1%   
Income per share (Unadj.) Rs214.5191.9 111.8%  
Earnings per share (Unadj.) Rs3.07.8 38.7%  
Cash flow per share (Unadj.) Rs21.317.1 124.4%  
Dividends per share (Unadj.) Rs0.601.20 50.0%  
Avg Dividend yield %0.90.7 125.3%  
Book value per share (Unadj.) Rs139.8185.8 75.2%  
Shares outstanding (eoy) m400.412,317.83 17.3%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.30.8 35.7%   
Avg P/E ratio x21.120.4 103.1%  
Avg P/CF ratio x3.43.3 103.6%  
Avg Price/Bookvalue ratio x0.50.9 53.0%  
Dividend payout %19.815.3 129.2%   
Avg Mkt Cap Rs m25,566370,911 6.9%   
No. of employees `0009.252.4 17.5%   
Total wages & salary Rs m8,74348,887 17.9%   
Avg. income/employee Rs Th9,355.78,484.1 110.3%   
Avg. wages/employee Rs Th952.4932.6 102.1%   
Avg. net profit/employee Rs Th132.2346.2 38.2%   
INCOME DATA
Interest income Rs m85,886444,735 19.3%  
Other income Rs m4,28879,368 5.4%   
Interest expense Rs m69,094295,957 23.3%   
Net interest income Rs m16,792148,777 11.3%  
Operating expense Rs m13,325103,498 12.9%   
Gross profit Rs m3,46745,279 7.7%  
Gross profit margin %4.010.2 39.6%  
Provisions/contingencies Rs m6,27394,404 6.6%   
Profit before tax Rs m1,48131,019 4.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m26812,469 2.1%   
Profit after tax Rs m1,21418,150 6.7%  
Net profit margin %1.44.1 34.6%  
BALANCE SHEET DATA
Advances Rs m638,7023,922,623 16.3%   
Deposits Rs m867,1476,172,569 14.0%  
Credit/Deposit ratio x73.763.5 115.9%  
Yield on advances %10.07.3 137.5%   
Cost of deposits %7.74.5 172.5%   
Net Interest Margin %1.82.2 81.8%  
Net fixed assets Rs m9,94859,297 16.8%   
Share capital Rs m4,0044,621 86.7%   
Free reserves Rs m31,061212,918 14.6%   
Net worth Rs m55,962430,676 13.0%   
Borrowings Rs m30,482312,420 9.8%   
Investments Rs m267,5171,407,164 19.0%   
Total assets Rs m977,5347,192,205 13.6%  
Debt/equity ratio x16.015.1 106.5%   
Return on assets %0.10.3 49.2%  
Return on equity %2.24.2 51.5%  
Capital adequacy ratio %11.212.2 91.8%  
Net NPAs %3.64.7 75.2%  
CASH FLOW
From Operations Rs m-19,816178,648 -11.1%  
From Investments Rs m-845-5,506 15.3%  
From Financial Activity Rs m-392-1,983 19.8%  
Net Cashflow Rs m-21,053171,159 -12.3%  

Share Holding

Indian Promoters % 79.6 56.3 141.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 16.6 65.1%  
FIIs % 1.8 15.6 11.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 11.5 67.6%  
Shareholders   150,895 180,376 83.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   SBI  ORIENTAL BANK  BANK OF MAHARASHTRA  DENA BANK  KOTAK MAH. BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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