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PUNJAB & SIND BANK vs CENTRAL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK CENTRAL BANK PUNJAB & SIND BANK/
CENTRAL BANK
 
P/E (TTM) x 44.3 22.2 199.9% View Chart
P/BV x 2.7 1.8 150.9% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 PUNJAB & SIND BANK   CENTRAL BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
CENTRAL BANK
Mar-23
PUNJAB & SIND BANK/
CENTRAL BANK
5-Yr Chart
Click to enlarge
High Rs4542 106.8%   
Low Rs1316 77.6%   
Income per share (Unadj.) Rs11.829.6 39.9%  
Earnings per share (Unadj.) Rs1.91.9 100.2%  
Cash flow per share (Unadj.) Rs5.87.3 79.8%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.333.7 66.2%  
Shares outstanding (eoy) m6,777.798,680.94 78.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.0 247.4%   
Avg P/E ratio x14.815.0 98.5%  
Avg P/CF ratio x13.43.6 371.8%  
Avg Price/Bookvalue ratio x1.30.9 149.0%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,675251,313 77.1%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44456,157 27.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927256,571 31.2%  
Other income Rs m9,40040,845 23.0%   
Interest expense Rs m50,194139,051 36.1%   
Net interest income Rs m29,734117,520 25.3%  
Operating expense Rs m24,63489,100 27.6%   
Gross profit Rs m5,10028,420 17.9%  
Gross profit margin %6.411.1 57.6%  
Provisions/contingencies Rs m1,36953,172 2.6%   
Profit before tax Rs m16,19826,725 60.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-96 -0.0%   
Prior Period Items Rs m0791 0.0%   
Tax Rs m3,06810,631 28.9%   
Profit after tax Rs m13,13016,788 78.2%  
Net profit margin %16.46.5 251.1%  
BALANCE SHEET DATA
Advances Rs m768,1942,038,933 37.7%   
Deposits Rs m1,096,6553,597,751 30.5%  
Credit/Deposit ratio x70.056.7 123.6%  
Yield on advances %7.27.4 97.2%   
Cost of deposits %4.33.7 115.3%   
Net Interest Margin %2.43.5 70.8%  
Net fixed assets Rs m15,19447,856 31.7%   
Share capital Rs m67,77886,809 78.1%   
Free reserves Rs m83,307205,358 40.6%   
Net worth Rs m151,085292,167 51.7%   
Borrowings Rs m90,18483,339 108.2%   
Investments Rs m448,3841,365,694 32.8%   
Total assets Rs m1,364,5454,070,797 33.5%  
Debt/equity ratio x7.912.6 62.3%   
Return on assets %1.00.4 233.3%  
Return on equity %8.75.7 151.2%  
Capital adequacy ratio %17.114.1 121.1%  
Net NPAs %1.81.8 104.0%  
CASH FLOW
From Operations Rs m14,284-87,863 -16.3%  
From Investments Rs m-882-2,087 42.3%  
From Financial Activity Rs m-13,317NA-  
Net Cashflow Rs m85-89,950 -0.1%  

Share Holding

Indian Promoters % 98.3 93.1 105.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 2.9 23.0%  
FIIs % 0.0 0.1 14.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 6.9 25.3%  
Shareholders   156,109 529,591 29.5%  
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    AXIS BANK    SBI    ICICI BANK    PNB    


More on Punjab & Sind Bank vs Central 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 Central Bank Share Price Performance

Period Punjab & Sind Bank Central Bank S&P BSE BANKEX
1-Day 6.26% 4.35% 0.82%
1-Month -4.49% -2.08% 2.48%
1-Year 151.33% 164.16% 19.28%
3-Year CAGR 52.63% 54.37% 12.00%
5-Year CAGR 13.80% 11.49% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the Central 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 Central Bank the stake stands at 93.1%.

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 Central 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%.

Central Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our banking sector report.



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