PUNJAB & SIND BANK | J&K BANK | PUNJAB & SIND BANK/ J&K BANK |
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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% |
PUNJAB & SIND BANK J&K BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
J&K BANK Mar-23 |
PUNJAB & SIND BANK/ J&K BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 63 | 71.2% | |
Low | Rs | 13 | 24 | 52.5% | |
Income per share (Unadj.) | Rs | 11.8 | 90.7 | 13.0% | |
Earnings per share (Unadj.) | Rs | 1.9 | 11.4 | 16.9% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 46.1 | 12.6% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0.50 | 96.0% | |
Avg Dividend yield | % | 1.7 | 1.2 | 145.4% | |
Book value per share (Unadj.) | Rs | 22.3 | 95.9 | 23.2% | |
Shares outstanding (eoy) | m | 6,777.79 | 1,031.48 | 657.1% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.5 | 507.8% | |
Avg P/E ratio | x | 14.8 | 3.8 | 390.1% | |
Avg P/CF ratio | x | 13.4 | 2.4 | 551.2% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.5 | 284.2% | |
Dividend payout | % | 24.8 | 4.4 | 567.1% | |
Avg Mkt Cap | Rs m | 193,675 | 44,637 | 433.9% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 27,086 | 57.0% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 93,552 | 85.4% | |
Other income | Rs m | 9,400 | 7,652 | 122.8% | |
Interest expense | Rs m | 50,194 | 46,094 | 108.9% | |
Net interest income | Rs m | 29,734 | 47,458 | 62.7% | |
Operating expense | Rs m | 24,634 | 36,509 | 67.5% | |
Gross profit | Rs m | 5,100 | 10,949 | 46.6% | |
Gross profit margin | % | 6.4 | 11.7 | 54.5% | |
Provisions/contingencies | Rs m | 1,369 | 6,616 | 20.7% | |
Profit before tax | Rs m | 16,198 | 17,856 | 90.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | -181 | -0.0% | |
Tax | Rs m | 3,068 | 5,870 | 52.3% | |
Profit after tax | Rs m | 13,130 | 11,805 | 111.2% | |
Net profit margin | % | 16.4 | 12.6 | 130.2% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 822,776 | 93.4% | |
Deposits | Rs m | 1,096,655 | 1,220,272 | 89.9% | |
Credit/Deposit ratio | x | 70.0 | 67.4 | 103.9% | |
Yield on advances | % | 7.2 | 8.5 | 84.2% | |
Cost of deposits | % | 4.3 | 3.6 | 120.6% | |
Net Interest Margin | % | 2.4 | 4.1 | 60.3% | |
Net fixed assets | Rs m | 15,194 | 22,244 | 68.3% | |
Share capital | Rs m | 67,778 | 1,032 | 6,570.0% | |
Free reserves | Rs m | 83,307 | 97,932 | 85.1% | |
Net worth | Rs m | 151,085 | 98,963 | 152.7% | |
Borrowings | Rs m | 90,184 | 28,923 | 311.8% | |
Investments | Rs m | 448,384 | 347,804 | 128.9% | |
Total assets | Rs m | 1,364,545 | 1,459,126 | 93.5% | |
Debt/equity ratio | x | 7.9 | 12.6 | 62.2% | |
Return on assets | % | 1.0 | 0.8 | 118.9% | |
Return on equity | % | 8.7 | 11.9 | 72.9% | |
Capital adequacy ratio | % | 17.1 | 15.4 | 111.0% | |
Net NPAs | % | 1.8 | 1.6 | 113.6% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | 14,284 | -4,071 | -350.8% | |
From Investments | Rs m | -882 | -1,235 | 71.4% | |
From Financial Activity | Rs m | -13,317 | 6,376 | -208.9% | |
Net Cashflow | Rs m | 85 | 1,070 | 7.9% |
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 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
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.
Asian shares slipped before a Bank of Japan policy decision where authorities are likely to bring an end to the world's last negative rates regime.