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- PUNJAB & SIND BANK - BANK OF BARODA
PUNJAB & SIND BANK vs BANK OF BARODA - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | BANK OF BARODA | PUNJAB & SIND BANK/ BANK OF BARODA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.1 | 7.3 | 605.0% | View Chart |
| P/BV | x | 2.7 | 1.3 | 207.6% | View Chart |
| Dividend Yield | % | 0.8 | 2.1 | 38.3% |
Financials
 PUNJAB & SIND BANK  BANK OF BARODA |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
BANK OF BARODA Mar-23 |
PUNJAB & SIND BANK/ BANK OF BARODA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 197 | 22.6% | |
| Low | Rs | 13 | 90 | 13.9% | |
| Income per share (Unadj.) | Rs | 11.8 | 182.0 | 6.5% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 28.8 | 6.7% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 69.5 | 8.4% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 5.50 | 8.7% | |
| Avg Dividend yield | % | 1.7 | 3.8 | 43.8% | |
| Book value per share (Unadj.) | Rs | 22.3 | 203.1 | 11.0% | |
| Shares outstanding (eoy) | m | 6,777.79 | 5,171.36 | 131.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.8 | 307.3% | |
| Avg P/E ratio | x | 14.8 | 5.0 | 296.2% | |
| Avg P/CF ratio | x | 13.4 | 2.4 | 547.2% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.7 | 181.4% | |
| Dividend payout | % | 24.8 | 19.1 | 129.8% | |
| Avg Mkt Cap | Rs m | 193,675 | 742,349 | 26.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 143,427 | 10.8% | |
| 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 | 79,927 | 941,386 | 8.5% | |
| Other income | Rs m | 9,400 | 166,394 | 5.6% | |
| Interest expense | Rs m | 50,194 | 499,422 | 10.1% | |
| Net interest income | Rs m | 29,734 | 441,964 | 6.7% | |
| Operating expense | Rs m | 24,634 | 306,445 | 8.0% | |
| Gross profit | Rs m | 5,100 | 135,520 | 3.8% | |
| Gross profit margin | % | 6.4 | 14.4 | 44.3% | |
| Provisions/contingencies | Rs m | 1,369 | 155,035 | 0.9% | |
| Profit before tax | Rs m | 16,198 | 205,645 | 7.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -1,000 | -0.0% | |
| Prior Period Items | Rs m | 0 | 3,173 | 0.0% | |
| Tax | Rs m | 3,068 | 58,767 | 5.2% | |
| Profit after tax | Rs m | 13,130 | 149,052 | 8.8% | |
| Net profit margin | % | 16.4 | 15.8 | 103.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 9,636,518 | 8.0% | |
| Deposits | Rs m | 1,096,655 | 12,346,820 | 8.9% | |
| Credit/Deposit ratio | x | 70.0 | 78.0 | 89.8% | |
| Yield on advances | % | 7.2 | 6.8 | 104.9% | |
| Cost of deposits | % | 4.3 | 3.5 | 123.8% | |
| Net Interest Margin | % | 2.4 | 3.2 | 75.3% | |
| Net fixed assets | Rs m | 15,194 | 88,760 | 17.1% | |
| Share capital | Rs m | 67,778 | 10,355 | 654.5% | |
| Free reserves | Rs m | 83,307 | 1,040,192 | 8.0% | |
| Net worth | Rs m | 151,085 | 1,050,547 | 14.4% | |
| Borrowings | Rs m | 90,184 | 1,079,102 | 8.4% | |
| Investments | Rs m | 448,384 | 3,974,872 | 11.3% | |
| Total assets | Rs m | 1,364,545 | 15,258,790 | 8.9% | |
| Debt/equity ratio | x | 7.9 | 12.8 | 61.5% | |
| Return on assets | % | 1.0 | 1.0 | 98.5% | |
| Return on equity | % | 8.7 | 14.2 | 61.3% | |
| Capital adequacy ratio | % | 17.1 | 16.2 | 105.3% | |
| Net NPAs | % | 1.8 | 0.9 | 206.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -212,706 | -6.7% | |
| From Investments | Rs m | -882 | -10,963 | 8.0% | |
| From Financial Activity | Rs m | -13,317 | -54,884 | 24.3% | |
| Net Cashflow | Rs m | 85 | -278,552 | -0.0% | |
Share Holding
| Indian Promoters | % | 98.3 | 64.0 | 153.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 28.7 | 2.3% | |
| FIIs | % | 0.0 | 12.4 | 0.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 36.0 | 4.9% | |
| Shareholders | 184,679 | 1,329,618 | 13.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Bank of Baroda
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 Bank of Baroda Share Price Performance
| Period | Punjab & Sind Bank | Bank of Baroda | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.59% | 2.34% | -0.96% |
| 1-Month | 3.14% | 2.42% | 0.75% |
| 1-Year | 81.28% | 46.56% | 11.11% |
| 3-Year CAGR | 50.69% | 59.86% | 14.58% |
| 5-Year CAGR | 14.78% | 15.58% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Bank of Baroda share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.
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 Bank of Baroda.
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%.
Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Bank of Baroda.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results]()
Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results(Closing)
It was indeed a volatile trading session for Indian share markets today. Benchmark indices swung between gains and losses throughout the day.
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