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PUNJAB & SIND BANK vs KARNATAKA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK KARNATAKA BANK PUNJAB & SIND BANK/
KARNATAKA BANK
 
P/E (TTM) x 44.3 5.7 778.6% View Chart
P/BV x 2.7 1.0 278.8% View Chart
Dividend Yield % 0.8 2.2 36.2%  

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 Rs45169 26.5%   
Low Rs1356 22.4%   
Income per share (Unadj.) Rs11.8231.2 5.1%  
Earnings per share (Unadj.) Rs1.937.8 5.1%  
Cash flow per share (Unadj.) Rs5.876.3 7.6%  
Dividends per share (Unadj.) Rs0.485.00 9.6%  
Avg Dividend yield %1.74.5 37.7%  
Book value per share (Unadj.) Rs22.3262.9 8.5%  
Shares outstanding (eoy) m6,777.79312.34 2,170.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.5 499.7%   
Avg P/E ratio x14.83.0 497.0%  
Avg P/CF ratio x13.41.6 842.2%  
Avg Price/Bookvalue ratio x1.30.4 300.7%  
Dividend payout %24.813.2 187.2%   
Avg Mkt Cap Rs m193,67535,014 553.1%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44410,735 143.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92772,202 110.7%  
Other income Rs m9,4009,926 94.7%   
Interest expense Rs m50,19440,351 124.4%   
Net interest income Rs m29,73431,851 93.4%  
Operating expense Rs m24,63419,700 125.0%   
Gross profit Rs m5,10012,151 42.0%  
Gross profit margin %6.416.8 37.9%  
Provisions/contingencies Rs m1,36910,280 13.3%   
Profit before tax Rs m16,19814,405 112.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0682,608 117.6%   
Profit after tax Rs m13,13011,797 111.3%  
Net profit margin %16.416.3 100.5%  
BALANCE SHEET DATA
Advances Rs m768,194599,516 128.1%   
Deposits Rs m1,096,655873,679 125.5%  
Credit/Deposit ratio x70.068.6 102.1%  
Yield on advances %7.29.3 76.9%   
Cost of deposits %4.34.3 99.3%   
Net Interest Margin %2.43.8 63.9%  
Net fixed assets Rs m15,1948,462 179.6%   
Share capital Rs m67,7783,124 2,169.9%   
Free reserves Rs m83,30778,997 105.5%   
Net worth Rs m151,08582,120 184.0%   
Borrowings Rs m90,18415,627 577.1%   
Investments Rs m448,384233,249 192.2%   
Total assets Rs m1,364,545990,571 137.8%  
Debt/equity ratio x7.910.8 72.5%   
Return on assets %1.01.2 80.8%  
Return on equity %8.714.4 60.5%  
Capital adequacy ratio %17.117.5 98.0%  
Net NPAs %1.81.7 108.2%  
CASH FLOW
From Operations Rs m14,28418,297 78.1%  
From Investments Rs m-882-875 100.7%  
From Financial Activity Rs m-13,317-195 6,845.8%  
Net Cashflow Rs m8517,227 0.5%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 36.7 1.8%  
FIIs % 0.0 19.0 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 267,637 58.3%  
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    ICICI BANK    AXIS BANK    SBI    PNB    


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 6.26% -1.53% 0.82%
1-Month -4.49% -2.22% 2.48%
1-Year 151.33% 78.09% 19.28%
3-Year CAGR 52.63% 55.04% 12.00%
5-Year CAGR 13.80% 13.14% 9.40%

* 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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