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- PUNJAB & SIND BANK - PNB
PUNJAB & SIND BANK vs PNB - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | PNB | PUNJAB & SIND BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.0 | 20.5 | 215.0% | View Chart |
| P/BV | x | 2.7 | 1.4 | 191.8% | View Chart |
| Dividend Yield | % | 0.8 | 0.5 | 161.4% |
Financials
 PUNJAB & SIND BANK  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
PNB Mar-23 |
PUNJAB & SIND BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 62 | 72.0% | |
| Low | Rs | 13 | 28 | 44.6% | |
| Income per share (Unadj.) | Rs | 11.8 | 78.9 | 15.0% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 3.0 | 63.7% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 8.7 | 66.7% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0.65 | 73.8% | |
| Avg Dividend yield | % | 1.7 | 1.4 | 116.4% | |
| Book value per share (Unadj.) | Rs | 22.3 | 93.4 | 23.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 11,011.02 | 61.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.6 | 424.2% | |
| Avg P/E ratio | x | 14.8 | 14.8 | 99.6% | |
| Avg P/CF ratio | x | 13.4 | 2.1 | 625.0% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.5 | 265.9% | |
| Dividend payout | % | 24.8 | 21.4 | 115.9% | |
| Avg Mkt Cap | Rs m | 193,675 | 496,046 | 39.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 149,426 | 10.3% | |
| 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 | 868,453 | 9.2% | |
| Other income | Rs m | 9,400 | 122,396 | 7.7% | |
| Interest expense | Rs m | 50,194 | 518,170 | 9.7% | |
| Net interest income | Rs m | 29,734 | 350,283 | 8.5% | |
| Operating expense | Rs m | 24,634 | 243,357 | 10.1% | |
| Gross profit | Rs m | 5,100 | 106,926 | 4.8% | |
| Gross profit margin | % | 6.4 | 12.3 | 51.8% | |
| Provisions/contingencies | Rs m | 1,369 | 198,629 | 0.7% | |
| Profit before tax | Rs m | 16,198 | 48,614 | 33.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -103 | -0.0% | |
| Prior Period Items | Rs m | 0 | 2,894 | 0.0% | |
| Tax | Rs m | 3,068 | 17,921 | 17.1% | |
| Profit after tax | Rs m | 13,130 | 33,485 | 39.2% | |
| Net profit margin | % | 16.4 | 3.9 | 426.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 8,374,590 | 9.2% | |
| Deposits | Rs m | 1,096,655 | 12,903,471 | 8.5% | |
| Credit/Deposit ratio | x | 70.0 | 64.9 | 107.9% | |
| Yield on advances | % | 7.2 | 6.9 | 103.9% | |
| Cost of deposits | % | 4.3 | 3.6 | 118.1% | |
| Net Interest Margin | % | 2.4 | 2.8 | 87.5% | |
| Net fixed assets | Rs m | 15,194 | 120,840 | 12.6% | |
| Share capital | Rs m | 67,778 | 22,022 | 307.8% | |
| Free reserves | Rs m | 83,307 | 1,006,783 | 8.3% | |
| Net worth | Rs m | 151,085 | 1,028,805 | 14.7% | |
| Borrowings | Rs m | 90,184 | 701,486 | 12.9% | |
| Investments | Rs m | 448,384 | 4,169,138 | 10.8% | |
| Total assets | Rs m | 1,364,545 | 14,936,490 | 9.1% | |
| Debt/equity ratio | x | 7.9 | 13.2 | 59.4% | |
| Return on assets | % | 1.0 | 0.2 | 429.2% | |
| Return on equity | % | 8.7 | 3.3 | 267.0% | |
| Capital adequacy ratio | % | 17.1 | 15.5 | 110.3% | |
| Net NPAs | % | 1.8 | 2.7 | 67.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 225,921 | 6.3% | |
| From Investments | Rs m | -882 | -7,325 | 12.0% | |
| From Financial Activity | Rs m | -13,317 | 12,750 | -104.4% | |
| Net Cashflow | Rs m | 85 | 231,346 | 0.0% | |
Share Holding
| Indian Promoters | % | 98.3 | 73.2 | 134.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 17.2 | 3.9% | |
| FIIs | % | 0.0 | 4.8 | 0.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 26.9 | 6.5% | |
| Shareholders | 184,679 | 2,353,625 | 7.8% | ||
| 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 PNB
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 PNB Share Price Performance
| Period | Punjab & Sind Bank | PNB | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.72% | 1.05% | -1.09% |
| 1-Month | 3.01% | 7.91% | 0.62% |
| 1-Year | 81.04% | 163.85% | 10.97% |
| 3-Year CAGR | 50.62% | 57.51% | 14.53% |
| 5-Year CAGR | 14.75% | 7.53% | 9.34% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of PNB the stake stands at 73.2%.
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 PNB.
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%.
PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
Today's Market
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Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results(Closing)
It was indeed a volatile trading session for Indian share markets today. Benchmark indices swung between gains and losses throughout the day.
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