PUNJAB & SIND BANK | SOUTH IND.BANK | PUNJAB & SIND BANK/ SOUTH IND.BANK |
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P/E (TTM) | x | 44.9 | 6.6 | 684.1% | View Chart |
P/BV | x | 2.7 | 1.1 | 247.2% | View Chart |
Dividend Yield | % | 0.8 | 1.1 | 74.1% |
PUNJAB & SIND BANK SOUTH IND.BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
SOUTH IND.BANK Mar-23 |
PUNJAB & SIND BANK/ SOUTH IND.BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 22 | 204.8% | |
Low | Rs | 13 | 7 | 171.9% | |
Income per share (Unadj.) | Rs | 11.8 | 34.6 | 34.1% | |
Earnings per share (Unadj.) | Rs | 1.9 | 3.7 | 52.3% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 13.5 | 43.1% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0.30 | 160.0% | |
Avg Dividend yield | % | 1.7 | 2.1 | 81.4% | |
Book value per share (Unadj.) | Rs | 22.3 | 31.9 | 69.9% | |
Shares outstanding (eoy) | m | 6,777.79 | 2,092.74 | 323.9% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.4 | 576.2% | |
Avg P/E ratio | x | 14.8 | 3.9 | 376.0% | |
Avg P/CF ratio | x | 13.4 | 2.0 | 662.0% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.5 | 281.3% | |
Dividend payout | % | 24.8 | 8.1 | 306.0% | |
Avg Mkt Cap | Rs m | 193,675 | 30,418 | 636.7% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 13,080 | 118.1% | |
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 | 72,332 | 110.5% | |
Other income | Rs m | 9,400 | 8,114 | 115.8% | |
Interest expense | Rs m | 50,194 | 42,211 | 118.9% | |
Net interest income | Rs m | 29,734 | 30,121 | 98.7% | |
Operating expense | Rs m | 24,634 | 23,158 | 106.4% | |
Gross profit | Rs m | 5,100 | 6,963 | 73.2% | |
Gross profit margin | % | 6.4 | 9.6 | 66.3% | |
Provisions/contingencies | Rs m | 1,369 | 7,323 | 18.7% | |
Profit before tax | Rs m | 16,198 | 12,468 | 129.9% | |
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 | 4,715 | 65.1% | |
Profit after tax | Rs m | 13,130 | 7,753 | 169.4% | |
Net profit margin | % | 16.4 | 10.7 | 153.3% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 698,044 | 110.0% | |
Deposits | Rs m | 1,096,655 | 916,501 | 119.7% | |
Credit/Deposit ratio | x | 70.0 | 76.2 | 92.0% | |
Yield on advances | % | 7.2 | 8.2 | 87.5% | |
Cost of deposits | % | 4.3 | 4.2 | 102.3% | |
Net Interest Margin | % | 2.4 | 3.2 | 76.6% | |
Net fixed assets | Rs m | 15,194 | 7,539 | 201.5% | |
Share capital | Rs m | 67,778 | 2,093 | 3,238.7% | |
Free reserves | Rs m | 83,307 | 64,654 | 128.9% | |
Net worth | Rs m | 151,085 | 66,746 | 226.4% | |
Borrowings | Rs m | 90,184 | 69,939 | 128.9% | |
Investments | Rs m | 448,384 | 246,413 | 182.0% | |
Total assets | Rs m | 1,364,545 | 1,076,972 | 126.7% | |
Debt/equity ratio | x | 7.9 | 14.8 | 53.2% | |
Return on assets | % | 1.0 | 0.7 | 133.7% | |
Return on equity | % | 8.7 | 11.6 | 74.8% | |
Capital adequacy ratio | % | 17.1 | 17.3 | 99.1% | |
Net NPAs | % | 1.8 | 1.9 | 98.9% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -72,608 | -19.7% | |
From Investments | Rs m | -882 | -3,861 | 22.8% | |
From Financial Activity | Rs m | -13,317 | 35,239 | -37.8% | |
Net Cashflow | Rs m | 85 | -41,229 | -0.2% |
Indian Promoters | % | 98.3 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 19.5 | 3.4% | |
FIIs | % | 0.0 | 15.0 | 0.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 100.0 | 1.8% | |
Shareholders | 184,679 | 1,046,619 | 17.6% | ||
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 | South Ind.Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.29% | 1.52% | 0.19% |
1-Month | 5.09% | -3.71% | 1.92% |
1-Year | 84.70% | 81.18% | 12.40% |
3-Year CAGR | 51.63% | 53.73% | 15.02% |
5-Year CAGR | 15.21% | 10.24% | 9.63% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the South Ind.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 South Ind.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 South Ind.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%.
South Ind.Bank paid Rs 0.3, and its dividend payout ratio stood at 8.1%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of South Ind.Bank.
For a sector overview, read our banking sector report.
Asian share markets are mixed today after US shares extended their losing streak to the longest since January 2024.