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PUNJAB & SIND BANK vs J&K BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK J&K BANK PUNJAB & SIND BANK/
J&K BANK
 
P/E (TTM) x 42.4 8.9 473.8% View Chart
P/BV x 2.6 1.5 176.3% View Chart
Dividend Yield % 0.8 0.4 219.5%  

Financials

 PUNJAB & SIND BANK   J&K BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
J&K BANK
Mar-23
PUNJAB & SIND BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs4563 71.2%   
Low Rs1324 52.5%   
Income per share (Unadj.) Rs11.890.7 13.0%  
Earnings per share (Unadj.) Rs1.911.4 16.9%  
Cash flow per share (Unadj.) Rs5.846.1 12.6%  
Dividends per share (Unadj.) Rs0.480.50 96.0%  
Avg Dividend yield %1.71.2 145.4%  
Book value per share (Unadj.) Rs22.395.9 23.2%  
Shares outstanding (eoy) m6,777.791,031.48 657.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.5 507.8%   
Avg P/E ratio x14.83.8 390.1%  
Avg P/CF ratio x13.42.4 551.2%  
Avg Price/Bookvalue ratio x1.30.5 284.2%  
Dividend payout %24.84.4 567.1%   
Avg Mkt Cap Rs m193,67544,637 433.9%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44427,086 57.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92793,552 85.4%  
Other income Rs m9,4007,652 122.8%   
Interest expense Rs m50,19446,094 108.9%   
Net interest income Rs m29,73447,458 62.7%  
Operating expense Rs m24,63436,509 67.5%   
Gross profit Rs m5,10010,949 46.6%  
Gross profit margin %6.411.7 54.5%  
Provisions/contingencies Rs m1,3696,616 20.7%   
Profit before tax Rs m16,19817,856 90.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-181 -0.0%   
Tax Rs m3,0685,870 52.3%   
Profit after tax Rs m13,13011,805 111.2%  
Net profit margin %16.412.6 130.2%  
BALANCE SHEET DATA
Advances Rs m768,194822,776 93.4%   
Deposits Rs m1,096,6551,220,272 89.9%  
Credit/Deposit ratio x70.067.4 103.9%  
Yield on advances %7.28.5 84.2%   
Cost of deposits %4.33.6 120.6%   
Net Interest Margin %2.44.1 60.3%  
Net fixed assets Rs m15,19422,244 68.3%   
Share capital Rs m67,7781,032 6,570.0%   
Free reserves Rs m83,30797,932 85.1%   
Net worth Rs m151,08598,963 152.7%   
Borrowings Rs m90,18428,923 311.8%   
Investments Rs m448,384347,804 128.9%   
Total assets Rs m1,364,5451,459,126 93.5%  
Debt/equity ratio x7.912.6 62.2%   
Return on assets %1.00.8 118.9%  
Return on equity %8.711.9 72.9%  
Capital adequacy ratio %17.115.4 111.0%  
Net NPAs %1.81.6 113.6%  
CASH FLOW
From Operations Rs m14,284-4,071 -350.8%  
From Investments Rs m-882-1,235 71.4%  
From Financial Activity Rs m-13,3176,376 -208.9%  
Net Cashflow Rs m851,070 7.9%  

Share Holding

Indian Promoters % 98.3 59.4 165.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 13.6 4.8%  
FIIs % 0.0 5.8 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 40.6 4.3%  
Shareholders   156,109 204,193 76.5%  
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    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs J&K 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 J&K Bank Share Price Performance

Period Punjab & Sind Bank J&K Bank S&P BSE BANKEX
1-Day -0.80% -0.99% -0.47%
1-Month -15.58% -9.25% -0.36%
1-Year 126.23% 174.15% 17.74%
3-Year CAGR 51.26% 69.73% 10.99%
5-Year CAGR 12.99% 20.73% 9.50%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the J&K 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 J&K Bank the stake stands at 59.4%.

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 J&K 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%.

J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of J&K Bank.

For a sector overview, read our banking sector report.



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