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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 -1.0 14.5 - View Chart
P/BV x 0.2 0.6 34.4% View Chart
Dividend Yield % 0.0 2.5 -  

Financials

 PUNJAB & SIND BANK   INDIAN BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
INDIAN BANK
Mar-18
PUNJAB & SIND BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs59428 13.7%   
Low Rs34252 13.6%   
Income per share (Unadj.) Rs204.1356.4 57.3%  
Earnings per share (Unadj.) Rs5.027.3 18.4%  
Cash flow per share (Unadj.) Rs18.818.2 103.5%  
Dividends per share (Unadj.) Rs06.00 0.0%  
Avg Dividend yield %01.8 0.0%  
Book value per share (Unadj.) Rs153.4389.7 39.4%  
Shares outstanding (eoy) m400.41480.29 83.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.21.0 23.8%   
Avg P/E ratio x9.212.5 74.1%  
Avg P/CF ratio x1.63.1 49.9%  
Avg Price/Bookvalue ratio x0.30.9 34.6%  
Dividend payout %022.0 0.0%   
Avg Mkt Cap Rs m18,559163,299 11.4%   
No. of employees `0009.419.8 47.4%   
Total wages & salary Rs m9,90121,046 47.0%   
Avg. income/employee Rs Th8,694.58,625.4 100.8%   
Avg. wages/employee Rs Th1,053.31,060.6 99.3%   
Avg. net profit/employee Rs Th213.9660.5 32.4%   
INCOME DATA
Interest income Rs m81,729171,153 47.8%  
Other income Rs m5,78124,166 23.9%   
Interest expense Rs m60,135108,513 55.4%   
Net interest income Rs m21,59362,640 34.5%  
Operating expense Rs m14,95636,733 40.7%   
Gross profit Rs m6,63825,907 25.6%  
Gross profit margin %8.115.1 53.7%  
Provisions/contingencies Rs m9,91439,270 25.2%   
Profit before tax Rs m2,50511,272 22.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m08 0.0%   
Prior Period Items Rs m00-   
Tax Rs m494-1,826 -27.1%   
Profit after tax Rs m2,01113,105 15.3%  
Net profit margin %2.57.7 32.1%  
BALANCE SHEET DATA
Advances Rs m583,3451,565,689 37.3%   
Deposits Rs m855,4022,082,618 41.1%  
Credit/Deposit ratio x68.275.2 90.7%  
Yield on advances %9.77.6 128.6%   
Cost of deposits %6.84.9 139.0%   
Net Interest Margin %2.42.6 91.5%  
Net fixed assets Rs m10,95434,221 32.0%   
Share capital Rs m4,0044,803 83.4%   
Free reserves Rs m32,84296,272 34.1%   
Net worth Rs m61,425187,154 32.8%   
Borrowings Rs m29,584197,602 15.0%   
Investments Rs m279,485716,191 39.0%   
Total assets Rs m966,4342,529,814 38.2%  
Debt/equity ratio x14.412.2 118.3%   
Return on assets %0.20.5 40.2%  
Return on equity %3.37.0 46.7%  
Capital adequacy ratio %11.112.6 88.0%  
Net NPAs %7.53.8 197.1%  
CASH FLOW
From Operations Rs m-5,089-36,758 13.8%  
From Investments Rs m-198-2,144 9.3%  
From Financial Activity Rs m2,15967,764 3.2%  
Net Cashflow Rs m-3,12828,863 -10.8%  

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:   IDBI BANK  KOTAK MAH. BANK  KARNATAKA BANK  BANK OF BARODA  ORIENTAL BANK  

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



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