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Compare Punjab & Sind Bank with Indian Bank - Equitymaster
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PUNJAB & SIND BANK vs INDIAN BANK - Comparison Results

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Current Valuations

    PUNJAB & SIND BANK INDIAN BANK PUNJAB & SIND BANK/
INDIAN BANK
 
P/E (TTM) x 5.7 9.5 59.6% View Chart
P/BV x 0.3 0.9 36.6% View Chart
Dividend Yield % 1.3 1.4 87.4%  

Financials

 PUNJAB & SIND BANK   INDIAN BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
INDIAN BANK
Mar-15
PUNJAB & SIND BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs84224 37.5%   
Low Rs44113 38.8%   
Income per share (Unadj.) Rs214.5330.1 65.0%  
Earnings per share (Unadj.) Rs3.021.8 13.9%  
Cash flow per share (Unadj.) Rs21.358.4 36.5%  
Dividends per share (Unadj.) Rs0.604.20 14.3%  
Avg Dividend yield %0.92.5 37.7%  
Book value per share (Unadj.) Rs139.8312.9 44.7%  
Shares outstanding (eoy) m400.41480.29 83.4%   
Bonus/Rights/Conversions PAPI-  
Avg Price / Income ratio x0.30.5 58.3%   
Avg P/E ratio x21.17.7 273.0%  
Avg P/CF ratio x3.43.1 109.0%  
Avg Price/Bookvalue ratio x0.50.5 84.8%  
Dividend payout %19.819.2 102.9%   
Avg Mkt Cap Rs m25,56680,929 31.6%   
No. of employees `0009.220.3 45.2%   
Total wages & salary Rs m8,74317,463 50.1%   
Avg. income/employee Rs Th9,355.77,811.8 119.8%   
Avg. wages/employee Rs Th952.4860.5 110.7%   
Avg. net profit/employee Rs Th132.2516.8 25.6%   
INCOME DATA
Interest income Rs m85,886158,534 54.2%  
Other income Rs m4,28813,722 31.2%   
Interest expense Rs m69,094113,898 60.7%   
Net interest income Rs m16,79244,636 37.6%  
Operating expense Rs m13,32528,254 47.2%   
Gross profit Rs m3,46716,382 21.2%  
Gross profit margin %4.010.3 39.1%  
Provisions/contingencies Rs m6,27315,335 40.9%   
Profit before tax Rs m1,48115,105 9.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m018 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2684,635 5.8%   
Profit after tax Rs m1,21410,488 11.6%  
Net profit margin %1.46.6 21.4%  
BALANCE SHEET DATA
Advances Rs m638,7021,258,702 50.7%   
Deposits Rs m867,1471,692,042 51.2%  
Credit/Deposit ratio x73.774.4 99.0%  
Yield on advances %10.09.6 104.0%   
Cost of deposits %7.76.6 116.6%   
Net Interest Margin %1.82.4 73.4%  
Net fixed assets Rs m9,94829,738 33.5%   
Share capital Rs m4,0044,803 83.4%   
Free reserves Rs m31,06179,581 39.0%   
Net worth Rs m55,962150,290 37.2%   
Borrowings Rs m30,48226,461 115.2%   
Investments Rs m267,517460,605 58.1%   
Total assets Rs m977,5341,930,357 50.6%  
Debt/equity ratio x16.011.4 140.3%   
Return on assets %0.10.5 22.8%  
Return on equity %2.27.0 31.1%  
Capital adequacy ratio %11.212.9 87.4%  
Net NPAs %3.62.5 142.0%  
CASH FLOW
From Operations Rs m-19,81651,357 -38.6%  
From Investments Rs m-845-2,364 35.7%  
From Financial Activity Rs m-392-23,117 1.7%  
Net Cashflow Rs m-21,05325,876 -81.4%  

Share Holding

Indian Promoters % 79.6 82.1 97.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 8.5 127.1%  
FIIs % 1.8 5.6 32.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 3.8 205.3%  
Shareholders   150,895 66,052 228.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF INDIA  UNION BANK  CITY UNION BANK  

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



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