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- PUNJAB & SIND BANK - CENTRAL BANK
PUNJAB & SIND BANK vs CENTRAL BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | CENTRAL BANK | PUNJAB & SIND BANK/ CENTRAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.3 | 24.7 | 187.6% | View Chart |
| P/BV | x | 2.8 | 2.0 | 141.6% | 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 | Rs | 45 | 42 | 106.8% | |
| Low | Rs | 13 | 16 | 77.6% | |
| Income per share (Unadj.) | Rs | 11.8 | 29.6 | 39.9% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 1.9 | 100.2% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 7.3 | 79.8% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
| Avg Dividend yield | % | 1.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.3 | 33.7 | 66.2% | |
| Shares outstanding (eoy) | m | 6,777.79 | 8,680.94 | 78.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.0 | 247.4% | |
| Avg P/E ratio | x | 14.8 | 15.0 | 98.5% | |
| Avg P/CF ratio | x | 13.4 | 3.6 | 371.8% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.9 | 149.0% | |
| Dividend payout | % | 24.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 193,675 | 251,313 | 77.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 56,157 | 27.5% | |
| 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 | 79,927 | 256,571 | 31.2% | |
| Other income | Rs m | 9,400 | 40,845 | 23.0% | |
| Interest expense | Rs m | 50,194 | 139,051 | 36.1% | |
| Net interest income | Rs m | 29,734 | 117,520 | 25.3% | |
| Operating expense | Rs m | 24,634 | 89,100 | 27.6% | |
| Gross profit | Rs m | 5,100 | 28,420 | 17.9% | |
| Gross profit margin | % | 6.4 | 11.1 | 57.6% | |
| Provisions/contingencies | Rs m | 1,369 | 53,172 | 2.6% | |
| Profit before tax | Rs m | 16,198 | 26,725 | 60.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -96 | -0.0% | |
| Prior Period Items | Rs m | 0 | 791 | 0.0% | |
| Tax | Rs m | 3,068 | 10,631 | 28.9% | |
| Profit after tax | Rs m | 13,130 | 16,788 | 78.2% | |
| Net profit margin | % | 16.4 | 6.5 | 251.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 2,038,933 | 37.7% | |
| Deposits | Rs m | 1,096,655 | 3,597,751 | 30.5% | |
| Credit/Deposit ratio | x | 70.0 | 56.7 | 123.6% | |
| Yield on advances | % | 7.2 | 7.4 | 97.2% | |
| Cost of deposits | % | 4.3 | 3.7 | 115.3% | |
| Net Interest Margin | % | 2.4 | 3.5 | 70.8% | |
| Net fixed assets | Rs m | 15,194 | 47,856 | 31.7% | |
| Share capital | Rs m | 67,778 | 86,809 | 78.1% | |
| Free reserves | Rs m | 83,307 | 205,358 | 40.6% | |
| Net worth | Rs m | 151,085 | 292,167 | 51.7% | |
| Borrowings | Rs m | 90,184 | 83,339 | 108.2% | |
| Investments | Rs m | 448,384 | 1,365,694 | 32.8% | |
| Total assets | Rs m | 1,364,545 | 4,070,797 | 33.5% | |
| Debt/equity ratio | x | 7.9 | 12.6 | 62.3% | |
| Return on assets | % | 1.0 | 0.4 | 233.3% | |
| Return on equity | % | 8.7 | 5.7 | 151.2% | |
| Capital adequacy ratio | % | 17.1 | 14.1 | 121.1% | |
| Net NPAs | % | 1.8 | 1.8 | 104.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -87,863 | -16.3% | |
| From Investments | Rs m | -882 | -2,087 | 42.3% | |
| From Financial Activity | Rs m | -13,317 | NA | - | |
| Net Cashflow | Rs m | 85 | -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 | 3.0 | 22.6% | |
| FIIs | % | 0.0 | 0.2 | 11.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 6.9 | 25.3% | |
| Shareholders | 184,679 | 643,550 | 28.7% | ||
| 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 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 | 0.91% | 1.22% | -0.45% |
| 1-Month | 8.11% | 14.05% | 3.61% |
| 1-Year | 91.29% | 140.51% | 12.64% |
| 3-Year CAGR | 54.68% | 60.28% | 14.23% |
| 5-Year CAGR | 16.51% | 14.80% | 10.16% |
* 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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