PUNJAB & SIND BANK | INDIAN BANK | PUNJAB & SIND BANK/ INDIAN BANK |
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P/E (TTM) | x | 45.9 | 9.7 | 473.3% | View Chart |
P/BV | x | 2.8 | 1.4 | 193.2% | View Chart |
Dividend Yield | % | 0.8 | 1.6 | 47.6% |
PUNJAB & SIND BANK INDIAN BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
INDIAN BANK Mar-23 |
PUNJAB & SIND BANK/ INDIAN BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 310 | 14.4% | |
Low | Rs | 13 | 137 | 9.1% | |
Income per share (Unadj.) | Rs | 11.8 | 361.2 | 3.3% | |
Earnings per share (Unadj.) | Rs | 1.9 | 44.7 | 4.3% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 71.6 | 8.1% | |
Dividends per share (Unadj.) | Rs | 0.48 | 8.60 | 5.6% | |
Avg Dividend yield | % | 1.7 | 3.8 | 43.7% | |
Book value per share (Unadj.) | Rs | 22.3 | 397.5 | 5.6% | |
Shares outstanding (eoy) | m | 6,777.79 | 1,245.44 | 544.2% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.6 | 391.4% | |
Avg P/E ratio | x | 14.8 | 5.0 | 295.1% | |
Avg P/CF ratio | x | 13.4 | 1.8 | 747.8% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.6 | 227.9% | |
Dividend payout | % | 24.8 | 19.2 | 128.9% | |
Avg Mkt Cap | Rs m | 193,675 | 278,481 | 69.5% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 75,789 | 20.4% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 449,852 | 17.8% | |
Other income | Rs m | 9,400 | 78,045 | 12.0% | |
Interest expense | Rs m | 50,194 | 247,173 | 20.3% | |
Net interest income | Rs m | 29,734 | 202,679 | 14.7% | |
Operating expense | Rs m | 24,634 | 127,248 | 19.4% | |
Gross profit | Rs m | 5,100 | 75,431 | 6.8% | |
Gross profit margin | % | 6.4 | 16.8 | 38.1% | |
Provisions/contingencies | Rs m | 1,369 | 100,171 | 1.4% | |
Profit before tax | Rs m | 16,198 | 59,632 | 27.2% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -12 | -0.0% | |
Prior Period Items | Rs m | 0 | 2,430 | 0.0% | |
Tax | Rs m | 3,068 | 6,327 | 48.5% | |
Profit after tax | Rs m | 13,130 | 55,723 | 23.6% | |
Net profit margin | % | 16.4 | 12.4 | 132.6% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 4,492,940 | 17.1% | |
Deposits | Rs m | 1,096,655 | 6,211,232 | 17.7% | |
Credit/Deposit ratio | x | 70.0 | 72.3 | 96.8% | |
Yield on advances | % | 7.2 | 7.1 | 100.8% | |
Cost of deposits | % | 4.3 | 3.7 | 115.3% | |
Net Interest Margin | % | 2.4 | 3.2 | 76.9% | |
Net fixed assets | Rs m | 15,194 | 74,704 | 20.3% | |
Share capital | Rs m | 67,778 | 12,454 | 544.2% | |
Free reserves | Rs m | 83,307 | 482,614 | 17.3% | |
Net worth | Rs m | 151,085 | 495,068 | 30.5% | |
Borrowings | Rs m | 90,184 | 220,924 | 40.8% | |
Investments | Rs m | 448,384 | 1,883,663 | 23.8% | |
Total assets | Rs m | 1,364,545 | 7,133,340 | 19.1% | |
Debt/equity ratio | x | 7.9 | 13.0 | 60.5% | |
Return on assets | % | 1.0 | 0.8 | 123.2% | |
Return on equity | % | 8.7 | 11.3 | 77.2% | |
Capital adequacy ratio | % | 17.1 | 16.5 | 103.7% | |
Net NPAs | % | 1.8 | 0.9 | 204.4% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -278,940 | -5.1% | |
From Investments | Rs m | -882 | -3,140 | 28.1% | |
From Financial Activity | Rs m | -13,317 | -15,434 | 86.3% | |
Net Cashflow | Rs m | 85 | -297,514 | -0.0% |
Indian Promoters | % | 98.3 | 73.8 | 133.1% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 22.2 | 3.0% | |
FIIs | % | 0.0 | 5.3 | 0.4% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 26.2 | 6.7% | |
Shareholders | 184,679 | 308,165 | 59.9% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | Indian Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.95% | 3.44% | 0.71% |
1-Month | 7.14% | 3.14% | 4.08% |
1-Year | 88.19% | 66.27% | 13.57% |
3-Year CAGR | 54.22% | 68.89% | 14.40% |
5-Year CAGR | 16.38% | 15.85% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Indian 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 Indian Bank the stake stands at 73.8%.
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 Indian 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%.
Indian Bank paid Rs 8.6, and its dividend payout ratio stood at 19.2%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Indian Bank.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.