PUNJAB & SIND BANK | CSB BANK | PUNJAB & SIND BANK/ CSB BANK |
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P/E (TTM) | x | 44.3 | 12.1 | 365.1% | View Chart |
P/BV | x | 2.7 | 2.2 | 122.9% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK CSB BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
CSB BANK Mar-23 |
PUNJAB & SIND BANK/ CSB BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 275 | 16.2% | |
Low | Rs | 13 | 178 | 7.0% | |
Income per share (Unadj.) | Rs | 11.8 | 133.7 | 8.8% | |
Earnings per share (Unadj.) | Rs | 1.9 | 31.6 | 6.1% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 87.4 | 6.7% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 183.6 | 12.1% | |
Shares outstanding (eoy) | m | 6,777.79 | 173.49 | 3,906.7% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.7 | 143.0% | |
Avg P/E ratio | x | 14.8 | 7.2 | 205.5% | |
Avg P/CF ratio | x | 13.4 | 5.6 | 240.5% | |
Avg Price/Bookvalue ratio | x | 1.3 | 1.2 | 103.9% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 39,295 | 492.9% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 5,585 | 276.5% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 23,197 | 344.6% | |
Other income | Rs m | 9,400 | 3,160 | 297.4% | |
Interest expense | Rs m | 50,194 | 9,858 | 509.2% | |
Net interest income | Rs m | 29,734 | 13,338 | 222.9% | |
Operating expense | Rs m | 24,634 | 9,425 | 261.4% | |
Gross profit | Rs m | 5,100 | 3,914 | 130.3% | |
Gross profit margin | % | 6.4 | 16.9 | 37.8% | |
Provisions/contingencies | Rs m | 1,369 | 1,600 | 85.5% | |
Profit before tax | Rs m | 16,198 | 7,336 | 220.8% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 3,068 | 1,863 | 164.7% | |
Profit after tax | Rs m | 13,130 | 5,474 | 239.9% | |
Net profit margin | % | 16.4 | 23.6 | 69.6% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 206,506 | 372.0% | |
Deposits | Rs m | 1,096,655 | 245,058 | 447.5% | |
Credit/Deposit ratio | x | 70.0 | 84.3 | 83.1% | |
Yield on advances | % | 7.2 | 9.1 | 78.3% | |
Cost of deposits | % | 4.3 | 3.7 | 115.0% | |
Net Interest Margin | % | 2.4 | 5.0 | 48.6% | |
Net fixed assets | Rs m | 15,194 | 3,194 | 475.8% | |
Share capital | Rs m | 67,778 | 1,735 | 3,905.6% | |
Free reserves | Rs m | 83,307 | 30,118 | 276.6% | |
Net worth | Rs m | 151,085 | 31,853 | 474.3% | |
Borrowings | Rs m | 90,184 | 7,830 | 1,151.8% | |
Investments | Rs m | 448,384 | 58,487 | 766.6% | |
Total assets | Rs m | 1,364,545 | 291,623 | 467.9% | |
Debt/equity ratio | x | 7.9 | 7.9 | 98.9% | |
Return on assets | % | 1.0 | 1.9 | 51.3% | |
Return on equity | % | 8.7 | 17.2 | 50.6% | |
Capital adequacy ratio | % | 17.1 | 27.1 | 63.1% | |
Net NPAs | % | 1.8 | 0.4 | 525.7% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | 22,115 | 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 m | 85 | 2,629 | 3.2% |
Indian Promoters | % | 98.3 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 49.7 | - | |
Indian inst/Mut Fund | % | 0.7 | 20.9 | 3.2% | |
FIIs | % | 0.0 | 4.9 | 0.4% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 50.3 | 3.5% | |
Shareholders | 184,679 | 63,497 | 290.8% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | CSB BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.10% | -2.89% | -1.10% |
1-Month | 3.65% | 18.38% | 0.61% |
1-Year | 82.17% | 38.42% | 10.96% |
3-Year CAGR | 50.94% | 17.03% | 14.52% |
5-Year CAGR | 14.89% | 5.90% | 9.34% |
* 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.
Asian share markets are mixed today after US shares extended their losing streak to the longest since January 2024.