PUNJAB & SIND BANK | UNION BANK | PUNJAB & SIND BANK/ UNION BANK |
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P/E (TTM) | x | 44.3 | 8.9 | 498.2% | View Chart |
P/BV | x | 2.7 | 1.5 | 179.8% | View Chart |
Dividend Yield | % | 0.8 | 2.0 | 41.2% |
PUNJAB & SIND BANK UNION BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
UNION BANK Mar-23 |
PUNJAB & SIND BANK/ UNION BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 96 | 46.3% | |
Low | Rs | 13 | 34 | 37.3% | |
Income per share (Unadj.) | Rs | 11.8 | 118.8 | 9.9% | |
Earnings per share (Unadj.) | Rs | 1.9 | 12.5 | 15.6% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 27.2 | 21.4% | |
Dividends per share (Unadj.) | Rs | 0.48 | 3.00 | 16.0% | |
Avg Dividend yield | % | 1.7 | 4.6 | 36.4% | |
Book value per share (Unadj.) | Rs | 22.3 | 115.3 | 19.3% | |
Shares outstanding (eoy) | m | 6,777.79 | 6,834.75 | 99.2% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 0.5 | 442.9% | |
Avg P/E ratio | x | 14.8 | 5.2 | 282.7% | |
Avg P/CF ratio | x | 13.4 | 1.7 | 771.2% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.6 | 227.5% | |
Dividend payout | % | 24.8 | 24.1 | 102.9% | |
Avg Mkt Cap | Rs m | 193,675 | 444,088 | 43.6% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 125,240 | 12.3% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 811,632 | 9.8% | |
Other income | Rs m | 9,400 | 159,154 | 5.9% | |
Interest expense | Rs m | 50,194 | 480,328 | 10.4% | |
Net interest income | Rs m | 29,734 | 331,303 | 9.0% | |
Operating expense | Rs m | 24,634 | 234,873 | 10.5% | |
Gross profit | Rs m | 5,100 | 96,430 | 5.3% | |
Gross profit margin | % | 6.4 | 11.9 | 53.7% | |
Provisions/contingencies | Rs m | 1,369 | 171,280 | 0.8% | |
Profit before tax | Rs m | 16,198 | 121,465 | 13.3% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 813 | 0.0% | |
Tax | Rs m | 3,068 | 37,162 | 8.3% | |
Profit after tax | Rs m | 13,130 | 85,117 | 15.4% | |
Net profit margin | % | 16.4 | 10.5 | 156.6% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 7,642,767 | 10.1% | |
Deposits | Rs m | 1,096,655 | 11,203,219 | 9.8% | |
Credit/Deposit ratio | x | 70.0 | 68.2 | 102.7% | |
Yield on advances | % | 7.2 | 7.4 | 96.3% | |
Cost of deposits | % | 4.3 | 4.0 | 108.6% | |
Net Interest Margin | % | 2.4 | 3.0 | 81.7% | |
Net fixed assets | Rs m | 15,194 | 88,258 | 17.2% | |
Share capital | Rs m | 67,778 | 69,388 | 97.7% | |
Free reserves | Rs m | 83,307 | 718,648 | 11.6% | |
Net worth | Rs m | 151,085 | 788,035 | 19.2% | |
Borrowings | Rs m | 90,184 | 427,366 | 21.1% | |
Investments | Rs m | 448,384 | 3,437,270 | 13.0% | |
Total assets | Rs m | 1,364,545 | 12,883,571 | 10.6% | |
Debt/equity ratio | x | 7.9 | 14.8 | 53.2% | |
Return on assets | % | 1.0 | 0.7 | 145.6% | |
Return on equity | % | 8.7 | 10.8 | 80.5% | |
Capital adequacy ratio | % | 17.1 | 16.0 | 106.6% | |
Net NPAs | % | 1.8 | 1.7 | 108.2% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | 61,114 | 23.4% | |
From Investments | Rs m | -882 | -25,611 | 3.4% | |
From Financial Activity | Rs m | -13,317 | -106,541 | 12.5% | |
Net Cashflow | Rs m | 85 | -71,038 | -0.1% |
Indian Promoters | % | 98.3 | 77.0 | 127.6% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 16.3 | 4.1% | |
FIIs | % | 0.0 | 4.0 | 0.3% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 23.0 | 7.6% | |
Shareholders | 156,109 | 874,309 | 17.9% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK 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 | Union Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 6.19% | 1.65% | 0.82% |
1-Month | -4.56% | 9.27% | 2.48% |
1-Year | 151.16% | 149.68% | 19.28% |
3-Year CAGR | 52.60% | 65.22% | 12.00% |
5-Year CAGR | 13.79% | 9.76% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Union 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 Union Bank the stake stands at 77.0%.
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 Union 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%.
Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Union Bank.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.