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PUNJAB & SIND BANK vs EQUITAS SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK EQUITAS SMALL FINANCE BANK PUNJAB & SIND BANK/
EQUITAS SMALL FINANCE BANK
 
P/E (TTM) x 42.7 13.5 316.8% View Chart
P/BV x 2.6 2.0 126.2% View Chart
Dividend Yield % 0.8 1.1 77.4%  

Financials

 PUNJAB & SIND BANK   EQUITAS SMALL FINANCE BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
EQUITAS SMALL FINANCE BANK
Mar-23
PUNJAB & SIND BANK/
EQUITAS SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs4578 57.3%   
Low Rs1338 33.3%   
Income per share (Unadj.) Rs11.837.5 31.5%  
Earnings per share (Unadj.) Rs1.95.2 37.5%  
Cash flow per share (Unadj.) Rs5.819.9 29.3%  
Dividends per share (Unadj.) Rs0.481.00 48.0%  
Avg Dividend yield %1.71.7 96.9%  
Book value per share (Unadj.) Rs22.346.4 48.0%  
Shares outstanding (eoy) m6,777.791,110.56 610.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.5 157.4%   
Avg P/E ratio x14.811.2 132.1%  
Avg P/CF ratio x13.45.4 245.2%  
Avg Price/Bookvalue ratio x1.31.2 103.1%  
Dividend payout %24.819.4 128.0%   
Avg Mkt Cap Rs m193,67564,063 302.3%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44410,967 140.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92741,619 192.0%  
Other income Rs m9,4006,696 140.4%   
Interest expense Rs m50,19416,172 310.4%   
Net interest income Rs m29,73425,447 116.8%  
Operating expense Rs m24,63420,383 120.9%   
Gross profit Rs m5,1005,064 100.7%  
Gross profit margin %6.412.2 52.4%  
Provisions/contingencies Rs m1,3696,024 22.7%   
Profit before tax Rs m16,1987,688 210.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0681,952 157.2%   
Profit after tax Rs m13,1305,736 228.9%  
Net profit margin %16.413.8 119.2%  
BALANCE SHEET DATA
Advances Rs m768,194257,986 297.8%   
Deposits Rs m1,096,655253,806 432.1%  
Credit/Deposit ratio x70.0101.6 68.9%  
Yield on advances %7.214.6 49.1%   
Cost of deposits %4.35.4 80.4%   
Net Interest Margin %2.47.8 31.2%  
Net fixed assets Rs m15,1943,377 449.9%   
Share capital Rs m67,77811,106 610.3%   
Free reserves Rs m83,30740,417 206.1%   
Net worth Rs m151,08551,523 293.2%   
Borrowings Rs m90,18429,738 303.3%   
Investments Rs m448,38466,646 672.8%   
Total assets Rs m1,364,545349,581 390.3%  
Debt/equity ratio x7.95.5 142.7%   
Return on assets %1.01.6 58.6%  
Return on equity %8.711.1 78.1%  
Capital adequacy ratio %17.123.8 71.8%  
Net NPAs %1.81.2 152.1%  
CASH FLOW
From Operations Rs m14,284-9,977 -143.2%  
From Investments Rs m-882-2,613 33.7%  
From Financial Activity Rs m-13,317601 -2,215.3%  
Net Cashflow Rs m85-8,883 -1.0%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 65.3 1.0%  
FIIs % 0.0 19.6 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 361,709 43.2%  
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 EQUITAS SMALL FINANCE 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 EQUITAS SMALL FINANCE BANK Share Price Performance

Period Punjab & Sind Bank EQUITAS SMALL FINANCE BANK S&P BSE BANKEX
1-Day -1.42% -1.33% 0.04%
1-Month -14.90% -12.85% 0.11%
1-Year 128.05% 40.17% 18.30%
3-Year CAGR 51.66% 19.11% 11.49%
5-Year CAGR 13.66% 23.18% 9.74%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the EQUITAS SMALL FINANCE 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 EQUITAS SMALL FINANCE BANK the stake stands at 0.0%.

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 EQUITAS SMALL FINANCE 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%.

EQUITAS SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 19.4%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of EQUITAS SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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