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PUNJAB & SIND BANK vs RBL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK RBL BANK PUNJAB & SIND BANK/
RBL BANK
 
P/E (TTM) x 44.3 12.2 364.7% View Chart
P/BV x 2.7 1.1 248.3% View Chart
Dividend Yield % 0.8 0.6 128.5%  

Financials

 PUNJAB & SIND BANK   RBL BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
RBL BANK
Mar-23
PUNJAB & SIND BANK/
RBL BANK
5-Yr Chart
Click to enlarge
High Rs45189 23.6%   
Low Rs1374 16.9%   
Income per share (Unadj.) Rs11.8159.3 7.4%  
Earnings per share (Unadj.) Rs1.915.3 12.6%  
Cash flow per share (Unadj.) Rs5.883.9 6.9%  
Dividends per share (Unadj.) Rs0.481.50 32.0%  
Avg Dividend yield %1.71.1 147.5%  
Book value per share (Unadj.) Rs22.3224.3 9.9%  
Shares outstanding (eoy) m6,777.79599.57 1,130.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.8 293.1%   
Avg P/E ratio x14.88.6 171.8%  
Avg P/CF ratio x13.43.5 379.5%  
Avg Price/Bookvalue ratio x1.30.6 218.4%  
Dividend payout %24.89.8 253.3%   
Avg Mkt Cap Rs m193,67578,948 245.3%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44416,535 93.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92795,496 83.7%  
Other income Rs m9,40025,069 37.5%   
Interest expense Rs m50,19446,786 107.3%   
Net interest income Rs m29,73448,709 61.0%  
Operating expense Rs m24,63451,348 48.0%   
Gross profit Rs m5,100-2,638 -193.3%  
Gross profit margin %6.4-2.8 -230.9%  
Provisions/contingencies Rs m1,36913,235 10.3%   
Profit before tax Rs m16,19812,211 132.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0683,016 101.7%   
Profit after tax Rs m13,1309,195 142.8%  
Net profit margin %16.49.6 170.6%  
BALANCE SHEET DATA
Advances Rs m768,194701,864 109.5%   
Deposits Rs m1,096,655848,747 129.2%  
Credit/Deposit ratio x70.082.7 84.7%  
Yield on advances %7.210.8 66.6%   
Cost of deposits %4.34.7 91.1%   
Net Interest Margin %2.44.9 49.6%  
Net fixed assets Rs m15,1945,532 274.7%   
Share capital Rs m67,7785,996 1,130.4%   
Free reserves Rs m83,307128,511 64.8%   
Net worth Rs m151,085134,507 112.3%   
Borrowings Rs m90,184133,317 67.6%   
Investments Rs m448,384287,303 156.1%   
Total assets Rs m1,364,5451,158,057 117.8%  
Debt/equity ratio x7.97.3 107.6%   
Return on assets %1.00.8 121.2%  
Return on equity %8.76.8 127.1%  
Capital adequacy ratio %17.116.9 101.1%  
Net NPAs %1.81.1 167.3%  
CASH FLOW
From Operations Rs m14,284-110,312 -12.9%  
From Investments Rs m-882-2,336 37.7%  
From Financial Activity Rs m-13,31722,347 -59.6%  
Net Cashflow Rs m85-90,301 -0.1%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 48.0 1.4%  
FIIs % 0.0 28.3 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 344,856 45.3%  
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    AXIS BANK    SBI    ICICI BANK    PNB    


More on Punjab & Sind Bank vs RBL 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 RBL BANK Share Price Performance

Period Punjab & Sind Bank RBL BANK S&P BSE BANKEX
1-Day 6.26% 0.69% 0.82%
1-Month -4.49% -6.23% 2.48%
1-Year 151.33% 77.87% 19.28%
3-Year CAGR 52.63% 4.87% 12.00%
5-Year CAGR 13.80% -18.91% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the RBL 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 RBL 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 RBL 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%.

RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 9.8%.

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

For a sector overview, read our banking sector report.



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