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PUNJAB & SIND BANK vs CSB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK CSB BANK PUNJAB & SIND BANK/
CSB BANK
 
P/E (TTM) x 44.3 10.7 412.8% View Chart
P/BV x 2.7 1.9 139.0% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 PUNJAB & SIND BANK   CSB BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
CSB BANK
Mar-23
PUNJAB & SIND BANK/
CSB BANK
5-Yr Chart
Click to enlarge
High Rs45275 16.2%   
Low Rs13178 7.0%   
Income per share (Unadj.) Rs11.8133.7 8.8%  
Earnings per share (Unadj.) Rs1.931.6 6.1%  
Cash flow per share (Unadj.) Rs5.887.4 6.7%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.3183.6 12.1%  
Shares outstanding (eoy) m6,777.79173.49 3,906.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.7 143.0%   
Avg P/E ratio x14.87.2 205.5%  
Avg P/CF ratio x13.45.6 240.5%  
Avg Price/Bookvalue ratio x1.31.2 103.9%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,67539,295 492.9%   
No. of employees `000NANA-   
Total wages & salary Rs m15,4445,585 276.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92723,197 344.6%  
Other income Rs m9,4003,160 297.4%   
Interest expense Rs m50,1949,858 509.2%   
Net interest income Rs m29,73413,338 222.9%  
Operating expense Rs m24,6349,425 261.4%   
Gross profit Rs m5,1003,914 130.3%  
Gross profit margin %6.416.9 37.8%  
Provisions/contingencies Rs m1,3691,600 85.5%   
Profit before tax Rs m16,1987,336 220.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0681,863 164.7%   
Profit after tax Rs m13,1305,474 239.9%  
Net profit margin %16.423.6 69.6%  
BALANCE SHEET DATA
Advances Rs m768,194206,506 372.0%   
Deposits Rs m1,096,655245,058 447.5%  
Credit/Deposit ratio x70.084.3 83.1%  
Yield on advances %7.29.1 78.3%   
Cost of deposits %4.33.7 115.0%   
Net Interest Margin %2.45.0 48.6%  
Net fixed assets Rs m15,1943,194 475.8%   
Share capital Rs m67,7781,735 3,905.6%   
Free reserves Rs m83,30730,118 276.6%   
Net worth Rs m151,08531,853 474.3%   
Borrowings Rs m90,1847,830 1,151.8%   
Investments Rs m448,38458,487 766.6%   
Total assets Rs m1,364,545291,623 467.9%  
Debt/equity ratio x7.97.9 98.9%   
Return on assets %1.01.9 51.3%  
Return on equity %8.717.2 50.6%  
Capital adequacy ratio %17.127.1 63.1%  
Net NPAs %1.80.4 525.7%  
CASH FLOW
From Operations Rs m14,28422,115 64.6%  
From Investments Rs m-882-7,243 12.2%  
From Financial Activity Rs m-13,317-12,242 108.8%  
Net Cashflow Rs m852,629 3.2%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 49.7 -  
Indian inst/Mut Fund % 0.7 20.7 3.2%  
FIIs % 0.0 4.6 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 50.3 3.5%  
Shareholders   156,109 62,958 248.0%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


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

Period Punjab & Sind Bank CSB BANK S&P BSE BANKEX
1-Day 6.26% 0.03% 0.82%
1-Month -4.49% 1.01% 2.48%
1-Year 151.33% 44.51% 19.28%
3-Year CAGR 52.63% 14.12% 12.00%
5-Year CAGR 13.80% 3.36% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the CSB 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 CSB BANK the stake stands at 49.7%.

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 CSB 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%.

CSB 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 CSB BANK.

For a sector overview, read our banking sector report.



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