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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 -1.8 -0.4 - View Chart
P/BV x 0.2 0.1 200.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
INDIAN OVERSEAS BANK
Mar-19
PUNJAB & SIND BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs4019 215.5%   
Low Rs2411 220.2%   
Income per share (Unadj.) Rs151.519.3 785.5%  
Earnings per share (Unadj.) Rs-9.6-4.1 235.3%  
Cash flow per share (Unadj.) Rs-30.4-16.1 188.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs97.917.9 547.2%  
Shares outstanding (eoy) m564.919,141.65 6.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.8 27.7%   
Avg P/E ratio x-3.3-3.6 92.3%  
Avg P/CF ratio x0.91.4 62.8%  
Avg Price/Bookvalue ratio x0.30.8 39.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,162135,296 13.4%   
No. of employees `0008.926.3 34.0%   
Total wages & salary Rs m11,75826,469 44.4%   
Avg. income/employee Rs Th9,564.96,691.4 142.9%   
Avg. wages/employee Rs Th1,314.01,004.5 130.8%   
Avg. net profit/employee Rs Th-607.4-1,418.6 42.8%   
INCOME DATA
Interest income Rs m85,587176,313 48.5%  
Other income Rs m4,88642,063 11.6%   
Interest expense Rs m62,790123,521 50.8%   
Net interest income Rs m22,79752,791 43.2%  
Operating expense Rs m17,11144,516 38.4%   
Gross profit Rs m5,6868,276 68.7%  
Gross profit margin %6.64.7 141.5%  
Provisions/contingencies Rs m25,709132,171 19.5%   
Profit before tax Rs m-8,588-59,605 14.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-3,153-22,227 14.2%   
Profit after tax Rs m-5,435-37,379 14.5%  
Net profit margin %-6.3-21.2 30.0%  
BALANCE SHEET DATA
Advances Rs m691,7551,325,976 52.2%   
Deposits Rs m985,5762,225,341 44.3%  
Credit/Deposit ratio x70.259.6 117.8%  
Yield on advances %8.78.8 98.6%   
Cost of deposits %6.15.2 117.1%   
Net Interest Margin %2.22.3 97.6%  
Net fixed assets Rs m12,30433,369 36.9%   
Share capital Rs m5,64991,417 6.2%   
Free reserves Rs m25,97672,182 36.0%   
Net worth Rs m55,318163,599 33.8%   
Borrowings Rs m27,14061,460 44.2%   
Investments Rs m261,729669,323 39.1%   
Total assets Rs m1,089,8212,500,075 43.6%  
Debt/equity ratio x18.314.0 131.0%   
Return on assets %-0.5-1.5 33.4%  
Return on equity %-9.8-22.8 43.0%  
Capital adequacy ratio %10.910.2 107.1%  
Net NPAs %7.210.8 66.8%  
CASH FLOW
From Operations Rs m-973-7,859 12.4%  
From Investments Rs m-611-6,471 9.4%  
From Financial Activity Rs m-3,56157,795 -6.2%  
Net Cashflow Rs m-5,14543,465 -11.8%  

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:   J&K BANK  CORPORATION BANK  IDBI BANK  SYNDICATE BANK  ICICI BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (4QFY19); Net Profit Up 45.0% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 20 bn (up 45.0% YoY). Sales on the other hand came in at Rs 46 bn (down 5.6% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (3QFY19); Net Profit Up 63.2% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 63.2% YoY). Sales on the other hand came in at Rs 45 bn (up 6.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (2QFY19); Net Profit Down 897.3% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, PUNJAB & SIND BANK has posted a net profit of Rs 1 bn (down 897.3% YoY). Sales on the other hand came in at Rs 22 bn (up 10.1% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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