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Compare Punjab & Sind Bank with Development Credit Bank - Equitymaster
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PUNJAB & SIND BANK vs DCB BANK - Comparison Results

DCB BANK 
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Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    PUNJAB & SIND BANK DCB BANK PUNJAB & SIND BANK/
DCB BANK
 
P/E (TTM) x 5.8 23.7 24.6% View Chart
P/BV x 0.3 2.3 15.0% View Chart
Dividend Yield % 1.2 0.3 449.2%  

Financials

 PUNJAB & SIND BANK   DCB BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
DCB BANK
Mar-17
PUNJAB & SIND BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs84172 48.7%   
Low Rs4478 56.1%   
Income per share (Unadj.) Rs214.572.8 294.8%  
Earnings per share (Unadj.) Rs3.07.0 43.3%  
Cash flow per share (Unadj.) Rs21.328.9 73.8%  
Dividends per share (Unadj.) Rs0.600.50 120.0%  
Avg Dividend yield %0.90.4 235.2%  
Book value per share (Unadj.) Rs139.877.3 180.9%  
Shares outstanding (eoy) m400.41285.36 140.3%   
Bonus/Rights/Conversions PAOI-  
Avg Price / Income ratio x0.31.7 17.3%   
Avg P/E ratio x21.117.9 117.8%  
Avg P/CF ratio x3.411.5 29.8%  
Avg Price/Bookvalue ratio x0.51.6 28.2%  
Dividend payout %19.87.1 277.1%   
Avg Mkt Cap Rs m25,56635,713 71.6%   
No. of employees `0009.2NA-   
Total wages & salary Rs m8,7433,080 283.8%   
Avg. income/employee Rs Th9,355.7NM-  
Avg. wages/employee Rs Th952.4NM-  
Avg. net profit/employee Rs Th132.2N.A.-  
INCOME DATA
Interest income Rs m85,88620,762 413.7%  
Other income Rs m4,2882,495 171.9%   
Interest expense Rs m69,09412,791 540.2%   
Net interest income Rs m16,7927,971 210.7%  
Operating expense Rs m13,3256,283 212.1%   
Gross profit Rs m3,4671,688 205.4%  
Gross profit margin %4.08.1 49.7%  
Provisions/contingencies Rs m6,2731,115 562.7%   
Profit before tax Rs m1,4813,067 48.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2681,070 25.0%   
Profit after tax Rs m1,2141,997 60.8%  
Net profit margin %1.49.6 14.7%  
BALANCE SHEET DATA
Advances Rs m638,702158,176 403.8%   
Deposits Rs m867,147192,892 449.6%  
Credit/Deposit ratio x73.782.0 89.8%  
Yield on advances %10.010.4 95.8%   
Cost of deposits %7.76.1 126.4%   
Net Interest Margin %1.83.5 50.7%  
Net fixed assets Rs m9,9484,886 203.6%   
Share capital Rs m4,0042,854 140.3%   
Free reserves Rs m31,06113,116 236.8%   
Net worth Rs m55,96222,049 253.8%   
Borrowings Rs m30,48212,758 238.9%   
Investments Rs m267,51758,179 459.8%   
Total assets Rs m977,534240,464 406.5%  
Debt/equity ratio x16.09.3 172.0%   
Return on assets %0.10.8 14.9%  
Return on equity %2.29.1 23.9%  
Capital adequacy ratio %11.213.8 81.7%  
Net NPAs %3.60.8 449.4%  
CASH FLOW
From Operations Rs m-19,8162,398 -826.4%  
From Investments Rs m-845-711 118.8%  
From Financial Activity Rs m-3921,322 -29.7%  
Net Cashflow Rs m-21,0533,009 -699.7%  

Share Holding

Indian Promoters % 79.6 0.9 8,844.4%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 10.8 23.2 46.6%  
FIIs % 1.8 15.0 12.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 45.5 17.1%  
Shareholders   150,895 184,073 82.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   BANK OF INDIA  ING VYSYA BANK  YES BANK  INDUSIND BANK  DENA BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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