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- PUNJAB & SIND BANK - KARNATAKA BANK
PUNJAB & SIND BANK vs KARNATAKA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | KARNATAKA BANK | PUNJAB & SIND BANK/ KARNATAKA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 45.0 | 6.1 | 735.9% | View Chart |
| P/BV | x | 2.7 | 1.0 | 263.5% | View Chart |
| Dividend Yield | % | 0.8 | 2.2 | 35.6% |
Financials
 PUNJAB & SIND BANK  KARNATAKA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
KARNATAKA BANK Mar-23 |
PUNJAB & SIND BANK/ KARNATAKA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 169 | 26.5% | |
| Low | Rs | 13 | 56 | 22.4% | |
| Income per share (Unadj.) | Rs | 11.8 | 231.2 | 5.1% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 37.8 | 5.1% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 76.3 | 7.6% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 5.00 | 9.6% | |
| Avg Dividend yield | % | 1.7 | 4.5 | 37.7% | |
| Book value per share (Unadj.) | Rs | 22.3 | 262.9 | 8.5% | |
| Shares outstanding (eoy) | m | 6,777.79 | 312.34 | 2,170.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.5 | 499.7% | |
| Avg P/E ratio | x | 14.8 | 3.0 | 497.0% | |
| Avg P/CF ratio | x | 13.4 | 1.6 | 842.2% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.4 | 300.7% | |
| Dividend payout | % | 24.8 | 13.2 | 187.2% | |
| Avg Mkt Cap | Rs m | 193,675 | 35,014 | 553.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 10,735 | 143.9% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 72,202 | 110.7% | |
| Other income | Rs m | 9,400 | 9,926 | 94.7% | |
| Interest expense | Rs m | 50,194 | 40,351 | 124.4% | |
| Net interest income | Rs m | 29,734 | 31,851 | 93.4% | |
| Operating expense | Rs m | 24,634 | 19,700 | 125.0% | |
| Gross profit | Rs m | 5,100 | 12,151 | 42.0% | |
| Gross profit margin | % | 6.4 | 16.8 | 37.9% | |
| Provisions/contingencies | Rs m | 1,369 | 10,280 | 13.3% | |
| Profit before tax | Rs m | 16,198 | 14,405 | 112.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,068 | 2,608 | 117.6% | |
| Profit after tax | Rs m | 13,130 | 11,797 | 111.3% | |
| Net profit margin | % | 16.4 | 16.3 | 100.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 599,516 | 128.1% | |
| Deposits | Rs m | 1,096,655 | 873,679 | 125.5% | |
| Credit/Deposit ratio | x | 70.0 | 68.6 | 102.1% | |
| Yield on advances | % | 7.2 | 9.3 | 76.9% | |
| Cost of deposits | % | 4.3 | 4.3 | 99.3% | |
| Net Interest Margin | % | 2.4 | 3.8 | 63.9% | |
| Net fixed assets | Rs m | 15,194 | 8,462 | 179.6% | |
| Share capital | Rs m | 67,778 | 3,124 | 2,169.9% | |
| Free reserves | Rs m | 83,307 | 78,997 | 105.5% | |
| Net worth | Rs m | 151,085 | 82,120 | 184.0% | |
| Borrowings | Rs m | 90,184 | 15,627 | 577.1% | |
| Investments | Rs m | 448,384 | 233,249 | 192.2% | |
| Total assets | Rs m | 1,364,545 | 990,571 | 137.8% | |
| Debt/equity ratio | x | 7.9 | 10.8 | 72.5% | |
| Return on assets | % | 1.0 | 1.2 | 80.8% | |
| Return on equity | % | 8.7 | 14.4 | 60.5% | |
| Capital adequacy ratio | % | 17.1 | 17.5 | 98.0% | |
| Net NPAs | % | 1.8 | 1.7 | 108.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 18,297 | 78.1% | |
| From Investments | Rs m | -882 | -875 | 100.7% | |
| From Financial Activity | Rs m | -13,317 | -195 | 6,845.8% | |
| Net Cashflow | Rs m | 85 | 17,227 | 0.5% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 41.9 | 1.6% | |
| FIIs | % | 0.0 | 18.9 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 184,679 | 300,872 | 61.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Karnataka 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 Karnataka Bank Share Price Performance
| Period | Punjab & Sind Bank | Karnataka Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.54% | 0.02% | 0.18% |
| 1-Month | 5.06% | -2.39% | 2.80% |
| 1-Year | 82.92% | 75.44% | 12.23% |
| 3-Year CAGR | 53.36% | 54.81% | 14.67% |
| 5-Year CAGR | 15.92% | 14.28% | 10.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Karnataka 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 Karnataka Bank the stake stands at 0.0%.
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 Karnataka 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%.
Karnataka Bank paid Rs 5.0, and its dividend payout ratio stood at 13.2%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Karnataka Bank.
For a sector overview, read our banking sector report.
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