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Compare Punjab & Sind Bank with Indian Overseas Bank - Equitymaster

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PUNJAB & SIND BANK vs INDIAN OVERSEAS BANK - Comparison Results

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Current Valuations

    PUNJAB & SIND BANK INDIAN OVERSEAS BANK PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -1.0 -0.3 - View Chart
P/BV x 0.2 0.1 154.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
INDIAN OVERSEAS BANK
Mar-18
PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs5932 181.7%   
Low Rs3417 198.8%   
Income per share (Unadj.) Rs204.136.6 557.2%  
Earnings per share (Unadj.) Rs5.0-12.9 -39.0%  
Cash flow per share (Unadj.) Rs18.8-36.1 -52.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.427.1 565.2%  
Shares outstanding (eoy) m400.414,890.77 8.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.7 33.7%   
Avg P/E ratio x9.2-1.9 -481.3%  
Avg P/CF ratio x1.61.5 106.8%  
Avg Price/Bookvalue ratio x0.30.9 33.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,559120,802 15.4%   
No. of employees `0009.427.9 33.6%   
Total wages & salary Rs m9,90129,942 33.1%   
Avg. income/employee Rs Th8,694.56,412.9 135.6%   
Avg. wages/employee Rs Th1,053.31,071.8 98.3%   
Avg. net profit/employee Rs Th213.9-2,255.0 -9.5%   
INCOME DATA
Interest income Rs m81,729179,152 45.6%  
Other income Rs m5,78137,464 15.4%   
Interest expense Rs m60,135124,476 48.3%   
Net interest income Rs m21,59354,676 39.5%  
Operating expense Rs m14,95655,849 26.8%   
Gross profit Rs m6,638-1,174 -565.5%  
Gross profit margin %8.1-0.7 -1,239.7%  
Provisions/contingencies Rs m9,914145,930 6.8%   
Profit before tax Rs m2,505-86,317 -2.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m494-23,322 -2.1%   
Profit after tax Rs m2,011-62,995 -3.2%  
Net profit margin %2.5-35.2 -7.0%  
BALANCE SHEET DATA
Advances Rs m583,3451,324,888 44.0%   
Deposits Rs m855,4022,168,318 39.5%  
Credit/Deposit ratio x68.261.1 111.6%  
Yield on advances %9.79.0 107.9%   
Cost of deposits %6.85.3 128.4%   
Net Interest Margin %2.42.4 99.0%  
Net fixed assets Rs m10,95428,934 37.9%   
Share capital Rs m4,00448,908 8.2%   
Free reserves Rs m32,84269,912 47.0%   
Net worth Rs m61,425132,740 46.3%   
Borrowings Rs m29,58492,281 32.1%   
Investments Rs m279,485686,459 40.7%   
Total assets Rs m966,4342,479,681 39.0%  
Debt/equity ratio x14.417.0 84.6%   
Return on assets %0.2-2.5 -8.2%  
Return on equity %3.3-47.5 -6.9%  
Capital adequacy ratio %11.19.3 119.5%  
Net NPAs %7.515.3 49.0%  
CASH FLOW
From Operations Rs m-5,089-17,933 28.4%  
From Investments Rs m-198-1,151 17.2%  
From Financial Activity Rs m2,15952,303 4.1%  
Net Cashflow Rs m-3,12833,220 -9.4%  

Share Holding

Indian Promoters % 79.6 73.8 107.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 15.3 70.6%  
FIIs % 1.8 1.9 94.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 9.1 85.7%  
Shareholders   150,895 250,609 60.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  AXIS BANK  BANK OF INDIA  

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



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