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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 -1.7 -0.3 - View Chart
P/BV x 0.2 0.1 149.1% 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-17
PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs5933 178.9%   
Low Rs3421 162.1%   
Income per share (Unadj.) Rs204.180.3 254.1%  
Earnings per share (Unadj.) Rs5.0-27.9 -18.0%  
Cash flow per share (Unadj.) Rs18.8-36.4 -51.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.456.0 274.0%  
Shares outstanding (eoy) m400.412,454.72 16.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 67.8%   
Avg P/E ratio x9.2-1.0 -956.1%  
Avg P/CF ratio x1.634.6 4.5%  
Avg Price/Bookvalue ratio x0.30.5 62.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,55966,032 28.1%   
No. of employees `0009.4NA-   
Total wages & salary Rs m9,90130,447 32.5%   
Avg. income/employee Rs Th8,694.5NM-  
Avg. wages/employee Rs Th1,053.3NM-  
Avg. net profit/employee Rs Th213.9N.A.-  
INCOME DATA
Interest income Rs m81,729197,186 41.4%  
Other income Rs m5,78133,726 17.1%   
Interest expense Rs m60,135145,290 41.4%   
Net interest income Rs m21,59351,896 41.6%  
Operating expense Rs m14,95649,120 30.4%   
Gross profit Rs m6,6382,776 239.1%  
Gross profit margin %8.11.4 577.0%  
Provisions/contingencies Rs m9,91470,311 14.1%   
Profit before tax Rs m2,505-68,045 -3.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m494358 137.9%   
Profit after tax Rs m2,011-68,403 -2.9%  
Net profit margin %2.5-34.7 -7.1%  
BALANCE SHEET DATA
Advances Rs m583,3451,404,586 41.5%   
Deposits Rs m855,4022,113,426 40.5%  
Credit/Deposit ratio x68.266.5 102.6%  
Yield on advances %9.710.0 97.3%   
Cost of deposits %6.86.2 110.4%   
Net Interest Margin %2.42.2 107.7%  
Net fixed assets Rs m10,95430,543 35.9%   
Share capital Rs m4,00424,547 16.3%   
Free reserves Rs m32,842101,106 32.5%   
Net worth Rs m61,425137,446 44.7%   
Borrowings Rs m29,584160,977 18.4%   
Investments Rs m279,485715,492 39.1%   
Total assets Rs m966,4342,471,675 39.1%  
Debt/equity ratio x14.416.5 87.1%   
Return on assets %0.2-2.8 -7.5%  
Return on equity %3.3-49.8 -6.6%  
Capital adequacy ratio %11.110.5 105.2%  
Net NPAs %7.514.0 53.7%  
CASH FLOW
From Operations Rs m-5,089-5,050 100.8%  
From Investments Rs m-198-1,349 14.7%  
From Financial Activity Rs m2,15916,166 13.4%  
Net Cashflow Rs m-3,1289,768 -32.0%  

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:   ANDHRA BANK  SOUTH IND.BANK  ICICI BANK  CANARA BANK  AXIS BANK  

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



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