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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 5.6 -0.8 - View Chart
P/BV x 0.3 0.2 185.8% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 PUNJAB & SIND BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
INDIAN OVERSEAS BANK
Mar-16
PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs8448 176.6%   
Low Rs4421 207.6%   
Income per share (Unadj.) Rs214.5130.1 164.8%  
Earnings per share (Unadj.) Rs3.0-18.7 -16.2%  
Cash flow per share (Unadj.) Rs21.3-32.1 -66.3%  
Dividends per share (Unadj.) Rs0.600-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs139.886.7 161.2%  
Shares outstanding (eoy) m400.411,807.27 22.2%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.30.3 112.9%   
Avg P/E ratio x21.1-1.8 -1,151.2%  
Avg P/CF ratio x3.41.9 177.7%  
Avg Price/Bookvalue ratio x0.50.4 115.5%  
Dividend payout %19.80-   
Avg Mkt Cap Rs m25,56661,989 41.2%   
No. of employees `0009.2NA-   
Total wages & salary Rs m8,74333,904 25.8%   
Avg. income/employee Rs Th9,355.7NM-  
Avg. wages/employee Rs Th952.4NM-  
Avg. net profit/employee Rs Th132.2N.A.-  
INCOME DATA
Interest income Rs m85,886235,173 36.5%  
Other income Rs m4,28825,283 17.0%   
Interest expense Rs m69,094181,346 38.1%   
Net interest income Rs m16,79253,827 31.2%  
Operating expense Rs m13,32550,255 26.5%   
Gross profit Rs m3,4673,572 97.1%  
Gross profit margin %4.01.5 265.8%  
Provisions/contingencies Rs m6,27366,136 9.5%   
Profit before tax Rs m1,481-42,179 -3.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m268-8,308 -3.2%   
Profit after tax Rs m1,214-33,872 -3.6%  
Net profit margin %1.4-14.4 -9.8%  
BALANCE SHEET DATA
Advances Rs m638,7021,608,607 39.7%   
Deposits Rs m867,1472,245,142 38.6%  
Credit/Deposit ratio x73.771.6 102.8%  
Yield on advances %10.010.4 96.4%   
Cost of deposits %7.77.2 106.7%   
Net Interest Margin %1.82.1 86.3%  
Net fixed assets Rs m9,94832,705 30.4%   
Share capital Rs m4,00418,073 22.2%   
Free reserves Rs m31,06189,452 34.7%   
Net worth Rs m55,962156,658 35.7%   
Borrowings Rs m30,482271,833 11.2%   
Investments Rs m267,517791,896 33.8%   
Total assets Rs m977,5342,744,368 35.6%  
Debt/equity ratio x16.016.1 99.8%   
Return on assets %0.1-1.2 -10.1%  
Return on equity %2.2-21.6 -10.0%  
Capital adequacy ratio %11.29.7 116.4%  
Net NPAs %3.611.9 29.9%  
CASH FLOW
From Operations Rs m-19,816-15,515 127.7%  
From Investments Rs m-845-2,536 33.3%  
From Financial Activity Rs m-392-8,472 4.6%  
Net Cashflow Rs m-21,053-26,523 79.4%  

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:   HDFC BANK  FEDERAL BANK  DCB BANK  BANK OF INDIA  KOTAK MAH. BANK  

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



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