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Compare Punjab & Sind Bank with Federal Bank - Equitymaster
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PUNJAB & SIND BANK vs FEDERAL BANK - Comparison Results

FEDERAL BANK 
   Change

Federal Bank Ltd (FBL) (the erstwhile Travancore Federal Bank Limited) was incorporated with an authorised capital of Rs 5,000 in Central Travancore in the year 1931 under the Travancore Company's Act. The bank started business of auctionchitty and o... More

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Current Valuations

    PUNJAB & SIND BANK FEDERAL BANK PUNJAB & SIND BANK/
FEDERAL BANK
 
P/E (TTM) x 4.6 8.7 53.5% View Chart
P/BV x 0.3 1.0 27.7% View Chart
Dividend Yield % 1.5 0.7 208.7%  

Financials

 PUNJAB & SIND BANK   FEDERAL BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
FEDERAL BANK
Mar-16
PUNJAB & SIND BANK/
FEDERAL BANK
5-Yr Chart
Click to enlarge
High Rs8480 105.3%   
Low Rs4441 105.8%   
Income per share (Unadj.) Rs214.545.5 471.3%  
Earnings per share (Unadj.) Rs3.02.8 107.1%  
Cash flow per share (Unadj.) Rs21.311.2 190.3%  
Dividends per share (Unadj.) Rs0.600.70 85.7%  
Avg Dividend yield %0.91.2 81.3%  
Book value per share (Unadj.) Rs139.846.9 297.9%  
Shares outstanding (eoy) m400.411,718.95 23.3%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.31.3 22.4%   
Avg P/E ratio x21.121.4 98.5%  
Avg P/CF ratio x3.48.7 39.3%  
Avg Price/Bookvalue ratio x0.51.3 35.4%  
Dividend payout %19.824.7 80.0%   
Avg Mkt Cap Rs m25,566104,082 24.6%   
No. of employees `0009.211.7 78.2%   
Total wages & salary Rs m8,74310,742 81.4%   
Avg. income/employee Rs Th9,355.76,666.2 140.3%   
Avg. wages/employee Rs Th952.4915.4 104.0%   
Avg. net profit/employee Rs Th132.2414.5 31.9%   
INCOME DATA
Interest income Rs m85,88678,228 109.8%  
Other income Rs m4,2887,866 54.5%   
Interest expense Rs m69,09452,594 131.4%   
Net interest income Rs m16,79225,635 65.5%  
Operating expense Rs m13,32519,063 69.9%   
Gross profit Rs m3,4676,571 52.8%  
Gross profit margin %4.08.4 48.1%  
Provisions/contingencies Rs m6,2737,118 88.1%   
Profit before tax Rs m1,4817,319 20.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-15 0.0%   
Tax Rs m2682,440 11.0%   
Profit after tax Rs m1,2144,864 24.9%  
Net profit margin %1.46.2 22.7%  
BALANCE SHEET DATA
Advances Rs m638,702584,198 109.3%   
Deposits Rs m867,147791,709 109.5%  
Credit/Deposit ratio x73.773.8 99.8%  
Yield on advances %10.09.8 101.4%   
Cost of deposits %7.76.4 120.8%   
Net Interest Margin %1.83.0 59.3%  
Net fixed assets Rs m9,9485,236 190.0%   
Share capital Rs m4,0043,438 116.5%   
Free reserves Rs m31,06135,310 88.0%   
Net worth Rs m55,96280,641 69.4%   
Borrowings Rs m30,48222,983 132.6%   
Investments Rs m267,517219,825 121.7%   
Total assets Rs m977,534915,544 106.8%  
Debt/equity ratio x16.010.1 158.8%   
Return on assets %0.10.5 23.4%  
Return on equity %2.26.0 35.9%  
Capital adequacy ratio %11.213.9 80.7%  
Net NPAs %3.61.6 216.5%  
CASH FLOW
From Operations Rs m-19,816-15,569 127.3%  
From Investments Rs m-84524,948 -3.4%  
From Financial Activity Rs m-392-2,992 13.1%  
Net Cashflow Rs m-21,0536,387 -329.6%  

Share Holding

Indian Promoters % 79.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 25.5 42.4%  
FIIs % 1.8 38.8 4.6%  
ADR/GDR % 0.0 2.2 -  
Free float % 7.8 33.0 23.6%  
Shareholders   150,895 82,469 183.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   IDBI BANK  VIJAYA BANK  INDUSIND BANK  CANARA BANK  INDIAN OVERSEAS BANK  

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



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