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- PUNJAB & SIND BANK - FEDERAL BANK
PUNJAB & SIND BANK vs FEDERAL BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | FEDERAL BANK | PUNJAB & SIND BANK/ FEDERAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.3 | 9.5 | 465.3% | View Chart |
| P/BV | x | 2.7 | 1.7 | 159.7% | View Chart |
| Dividend Yield | % | 0.8 | 0.7 | 122.5% |
Financials
 PUNJAB & SIND BANK  FEDERAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
FEDERAL BANK Mar-23 |
PUNJAB & SIND BANK/ FEDERAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 143 | 31.1% | |
| Low | Rs | 13 | 83 | 15.2% | |
| Income per share (Unadj.) | Rs | 11.8 | 84.2 | 14.0% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 15.0 | 13.0% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 35.8 | 16.3% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.00 | 48.0% | |
| Avg Dividend yield | % | 1.7 | 0.9 | 189.7% | |
| Book value per share (Unadj.) | Rs | 22.3 | 104.5 | 21.3% | |
| Shares outstanding (eoy) | m | 6,777.79 | 2,116.20 | 320.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.3 | 180.6% | |
| Avg P/E ratio | x | 14.8 | 7.6 | 195.3% | |
| Avg P/CF ratio | x | 13.4 | 4.7 | 282.3% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 1.1 | 118.7% | |
| Dividend payout | % | 24.8 | 6.7 | 370.5% | |
| Avg Mkt Cap | Rs m | 193,675 | 238,972 | 81.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 24,402 | 63.3% | |
| 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 | 178,118 | 44.9% | |
| Other income | Rs m | 9,400 | 24,362 | 38.6% | |
| Interest expense | Rs m | 50,194 | 99,752 | 50.3% | |
| Net interest income | Rs m | 29,734 | 78,365 | 37.9% | |
| Operating expense | Rs m | 24,634 | 52,112 | 47.3% | |
| Gross profit | Rs m | 5,100 | 26,253 | 19.4% | |
| Gross profit margin | % | 6.4 | 14.7 | 43.3% | |
| Provisions/contingencies | Rs m | 1,369 | 18,858 | 7.3% | |
| Profit before tax | Rs m | 16,198 | 42,629 | 38.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -453 | -0.0% | |
| Prior Period Items | Rs m | 0 | 341 | 0.0% | |
| Tax | Rs m | 3,068 | 10,872 | 28.2% | |
| Profit after tax | Rs m | 13,130 | 31,645 | 41.5% | |
| Net profit margin | % | 16.4 | 17.8 | 92.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 1,819,567 | 42.2% | |
| Deposits | Rs m | 1,096,655 | 2,129,885 | 51.5% | |
| Credit/Deposit ratio | x | 70.0 | 85.4 | 82.0% | |
| Yield on advances | % | 7.2 | 8.0 | 89.8% | |
| Cost of deposits | % | 4.3 | 4.0 | 106.4% | |
| Net Interest Margin | % | 2.4 | 3.4 | 71.9% | |
| Net fixed assets | Rs m | 15,194 | 8,903 | 170.7% | |
| Share capital | Rs m | 67,778 | 4,232 | 1,601.4% | |
| Free reserves | Rs m | 83,307 | 216,959 | 38.4% | |
| Net worth | Rs m | 151,085 | 221,191 | 68.3% | |
| Borrowings | Rs m | 90,184 | 258,620 | 34.9% | |
| Investments | Rs m | 448,384 | 487,022 | 92.1% | |
| Total assets | Rs m | 1,364,545 | 2,680,041 | 50.9% | |
| Debt/equity ratio | x | 7.9 | 10.8 | 72.7% | |
| Return on assets | % | 1.0 | 1.2 | 81.5% | |
| Return on equity | % | 8.7 | 14.3 | 60.7% | |
| Capital adequacy ratio | % | 17.1 | 14.8 | 115.5% | |
| Net NPAs | % | 1.8 | 0.7 | 266.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 4,893 | 291.9% | |
| From Investments | Rs m | -882 | -98,437 | 0.9% | |
| From Financial Activity | Rs m | -13,317 | 60,381 | -22.1% | |
| Net Cashflow | Rs m | 85 | -33,322 | -0.3% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 73.9 | 0.9% | |
| FIIs | % | 0.0 | 29.4 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 184,679 | 796,959 | 23.2% | ||
| 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 Federal 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 Federal Bank Share Price Performance
| Period | Punjab & Sind Bank | Federal Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.12% | -1.74% | -0.50% |
| 1-Month | 3.75% | 3.36% | 1.73% |
| 1-Year | 85.29% | 16.03% | 12.08% |
| 3-Year CAGR | 49.84% | 25.90% | 14.00% |
| 5-Year CAGR | 14.27% | 9.20% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Federal 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 Federal 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 Federal 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%.
Federal Bank paid Rs 1.0, and its dividend payout ratio stood at 6.7%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Federal Bank.
For a sector overview, read our banking sector report.
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