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- PUNJAB & SIND BANK - INDIAN BANK
PUNJAB & SIND BANK vs INDIAN BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | INDIAN BANK | PUNJAB & SIND BANK/ INDIAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 43.7 | 9.4 | 463.1% | View Chart |
| P/BV | x | 2.6 | 1.4 | 189.0% | View Chart |
| Dividend Yield | % | 0.8 | 1.7 | 48.7% |
Financials
 PUNJAB & SIND BANK  INDIAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
INDIAN BANK Mar-23 |
PUNJAB & SIND BANK/ INDIAN BANK |
5-Yr Chart Click to enlarge
|
||
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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% | |
Share Holding
| 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 ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Indian 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 Indian Bank Share Price Performance
| Period | Punjab & Sind Bank | Indian Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.79% | 0.38% | 1.02% |
| 1-Month | 4.44% | 5.60% | 2.05% |
| 1-Year | 85.14% | 60.56% | 12.30% |
| 3-Year CAGR | 50.22% | 73.27% | 14.92% |
| 5-Year CAGR | 15.31% | 14.91% | 10.00% |
* 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.
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