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- PUNJAB & SIND BANK - DCB BANK
PUNJAB & SIND BANK vs DCB BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | DCB BANK | PUNJAB & SIND BANK/ DCB BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.6 | 7.2 | 616.3% | View Chart |
| P/BV | x | 2.7 | 0.8 | 325.3% | View Chart |
| Dividend Yield | % | 0.8 | 1.0 | 77.3% |
Financials
 PUNJAB & SIND BANK  DCB BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
DCB BANK Mar-23 |
PUNJAB & SIND BANK/ DCB BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 141 | 31.6% | |
| Low | Rs | 13 | 69 | 18.1% | |
| Income per share (Unadj.) | Rs | 11.8 | 134.8 | 8.7% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 14.9 | 13.0% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 52.8 | 11.0% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.25 | 38.4% | |
| Avg Dividend yield | % | 1.7 | 1.2 | 141.3% | |
| Book value per share (Unadj.) | Rs | 22.3 | 146.5 | 15.2% | |
| Shares outstanding (eoy) | m | 6,777.79 | 311.50 | 2,175.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.8 | 310.7% | |
| Avg P/E ratio | x | 14.8 | 7.0 | 209.6% | |
| Avg P/CF ratio | x | 13.4 | 4.2 | 320.8% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.7 | 178.5% | |
| Dividend payout | % | 24.8 | 8.4 | 296.3% | |
| Avg Mkt Cap | Rs m | 193,675 | 32,762 | 591.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 6,929 | 222.9% | |
| 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 | 42,003 | 190.3% | |
| Other income | Rs m | 9,400 | 4,094 | 229.6% | |
| Interest expense | Rs m | 50,194 | 24,833 | 202.1% | |
| Net interest income | Rs m | 29,734 | 17,170 | 173.2% | |
| Operating expense | Rs m | 24,634 | 13,397 | 183.9% | |
| Gross profit | Rs m | 5,100 | 3,773 | 135.1% | |
| Gross profit margin | % | 6.4 | 9.0 | 71.0% | |
| Provisions/contingencies | Rs m | 1,369 | 3,212 | 42.6% | |
| Profit before tax | Rs m | 16,198 | 6,276 | 258.1% | |
| 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 | 1,620 | 189.4% | |
| Profit after tax | Rs m | 13,130 | 4,656 | 282.0% | |
| Net profit margin | % | 16.4 | 11.1 | 148.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 343,807 | 223.4% | |
| Deposits | Rs m | 1,096,655 | 412,389 | 265.9% | |
| Credit/Deposit ratio | x | 70.0 | 83.4 | 84.0% | |
| Yield on advances | % | 7.2 | 9.9 | 72.5% | |
| Cost of deposits | % | 4.3 | 5.4 | 79.7% | |
| Net Interest Margin | % | 2.4 | 3.7 | 66.8% | |
| Net fixed assets | Rs m | 15,194 | 7,827 | 194.1% | |
| Share capital | Rs m | 67,778 | 3,115 | 2,175.8% | |
| Free reserves | Rs m | 83,307 | 42,515 | 195.9% | |
| Net worth | Rs m | 151,085 | 45,630 | 331.1% | |
| Borrowings | Rs m | 90,184 | 41,181 | 219.0% | |
| Investments | Rs m | 448,384 | 125,825 | 356.4% | |
| Total assets | Rs m | 1,364,545 | 523,659 | 260.6% | |
| Debt/equity ratio | x | 7.9 | 9.9 | 79.0% | |
| Return on assets | % | 1.0 | 0.9 | 108.2% | |
| Return on equity | % | 8.7 | 10.2 | 85.2% | |
| Capital adequacy ratio | % | 17.1 | 17.6 | 97.4% | |
| Net NPAs | % | 1.8 | 1.0 | 176.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -15,657 | -91.2% | |
| From Investments | Rs m | -882 | -1,648 | 53.5% | |
| From Financial Activity | Rs m | -13,317 | 81 | -16,352.0% | |
| Net Cashflow | Rs m | 85 | -17,223 | -0.5% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.8 | 12,596.2% | |
| Foreign collaborators | % | 0.0 | 14.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 42.4 | 1.6% | |
| FIIs | % | 0.0 | 12.8 | 0.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 85.2 | 2.1% | |
| Shareholders | 184,679 | 248,471 | 74.3% | ||
| 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 DCB 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 DCB Bank Share Price Performance
| Period | Punjab & Sind Bank | DCB Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.62% | -1.35% | -0.62% |
| 1-Month | 4.40% | -1.23% | 1.10% |
| 1-Year | 83.48% | 17.26% | 11.50% |
| 3-Year CAGR | 51.30% | 11.57% | 14.71% |
| 5-Year CAGR | 15.06% | -9.80% | 9.45% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the DCB 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 DCB Bank the stake stands at 14.8%.
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 DCB 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%.
DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 8.4%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of DCB Bank.
For a sector overview, read our banking sector report.
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