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PUNJAB & SIND BANK vs SOUTH IND.BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK SOUTH IND.BANK PUNJAB & SIND BANK/
SOUTH IND.BANK
 
P/E (TTM) x 41.9 6.6 629.7% View Chart
P/BV x 2.5 1.1 227.5% View Chart
Dividend Yield % 0.9 1.1 80.5%  

Financials

 PUNJAB & SIND BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
SOUTH IND.BANK
Mar-23
PUNJAB & SIND BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs4522 204.8%   
Low Rs137 171.9%   
Income per share (Unadj.) Rs11.834.6 34.1%  
Earnings per share (Unadj.) Rs1.93.7 52.3%  
Cash flow per share (Unadj.) Rs5.813.5 43.1%  
Dividends per share (Unadj.) Rs0.480.30 160.0%  
Avg Dividend yield %1.72.1 81.4%  
Book value per share (Unadj.) Rs22.331.9 69.9%  
Shares outstanding (eoy) m6,777.792,092.74 323.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.4 576.2%   
Avg P/E ratio x14.83.9 376.0%  
Avg P/CF ratio x13.42.0 662.0%  
Avg Price/Bookvalue ratio x1.30.5 281.3%  
Dividend payout %24.88.1 306.0%   
Avg Mkt Cap Rs m193,67530,418 636.7%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44413,080 118.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92772,332 110.5%  
Other income Rs m9,4008,114 115.8%   
Interest expense Rs m50,19442,211 118.9%   
Net interest income Rs m29,73430,121 98.7%  
Operating expense Rs m24,63423,158 106.4%   
Gross profit Rs m5,1006,963 73.2%  
Gross profit margin %6.49.6 66.3%  
Provisions/contingencies Rs m1,3697,323 18.7%   
Profit before tax Rs m16,19812,468 129.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0684,715 65.1%   
Profit after tax Rs m13,1307,753 169.4%  
Net profit margin %16.410.7 153.3%  
BALANCE SHEET DATA
Advances Rs m768,194698,044 110.0%   
Deposits Rs m1,096,655916,501 119.7%  
Credit/Deposit ratio x70.076.2 92.0%  
Yield on advances %7.28.2 87.5%   
Cost of deposits %4.34.2 102.3%   
Net Interest Margin %2.43.2 76.6%  
Net fixed assets Rs m15,1947,539 201.5%   
Share capital Rs m67,7782,093 3,238.7%   
Free reserves Rs m83,30764,654 128.9%   
Net worth Rs m151,08566,746 226.4%   
Borrowings Rs m90,18469,939 128.9%   
Investments Rs m448,384246,413 182.0%   
Total assets Rs m1,364,5451,076,972 126.7%  
Debt/equity ratio x7.914.8 53.2%   
Return on assets %1.00.7 133.7%  
Return on equity %8.711.6 74.8%  
Capital adequacy ratio %17.117.3 99.1%  
Net NPAs %1.81.9 98.9%  
CASH FLOW
From Operations Rs m14,284-72,608 -19.7%  
From Investments Rs m-882-3,861 22.8%  
From Financial Activity Rs m-13,31735,239 -37.8%  
Net Cashflow Rs m85-41,229 -0.2%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 22.3 3.0%  
FIIs % 0.0 14.7 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 888,397 17.6%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs South Ind.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 South Ind.Bank Share Price Performance

Period Punjab & Sind Bank South Ind.Bank S&P BSE BANKEX
1-Day -2.03% -2.48% -0.32%
1-Month -16.63% -15.67% -0.21%
1-Year 123.42% 62.58% 17.91%
3-Year CAGR 50.63% 46.90% 11.05%
5-Year CAGR 12.71% 12.09% 9.53%

* 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.



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