P

Punjab & Sind Bank

PSB
Market snapshot · 2026-08-12 21:25 UTC

₹23.73

₹-0.01 (-0.04%)

MARKET CAP

₹16.84K Cr

STOCK P/E

12.2x

52W HIGH

₹32.46

52W LOW

₹20.50

BOOK VALUE

₹20.75

EPS

₹1.95

ROE

9.79%

SECTOR

Financials

GROSS NPA

2.21%

VOLUME

13.72L

P/B RATIO

1.14x

NET NPA

0.65%

Sector

Financials

Themes

Public BanksPsuPresident of India Portfolio
D
Dividend
₹30.78₹28.48₹26.19₹23.89₹21.59VolumeDAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 39.5% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.19). Confidence: 66%.

Forward Valuation Outlook

Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.

P/B
Strongly Undervalued

5Y Average

1.39

Current

1.14

Overvalued

1.60

Undervalued

1.18

P/E
Strongly Undervalued

5Y Average

16.56

Current

12.17

Overvalued

26.28

Undervalued

14.15

P/S
Strongly Undervalued

5Y Average

4.72

Current

3.47

Overvalued

6.19

Undervalued

2.96

Peers & Comparison

Sector: Financials · Theme: Public Banks

Public Banks Peers8 peers
Avg P/E: 24.6x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
UCO BANK
UCOBANKPublic Banks
+53.0%21.5%
11.6x
Undervalued
-53% vs avg
-6.8%
INDIAN OVERSEAS BANK
IOBPublic Banks
+48.1%36.6%
11.4x
Undervalued
-54% vs avg
-5.3%
BANK OF MAHARASHTRA
MAHABANKPublic Banks
+21.8%53.4%
8.4x
Undervalued
-66% vs avg
+43.4%
BANK OF INDIA
BANKINDIAPublic Banks
+18.5%35.0%
5.4x
Undervalued
-78% vs avg
+25.8%
PNB HOUSING FIN LTD.
PNBHOUSINGHome Financing
+5.8%61.4%
13.1x
Undervalued
-47% vs avg
+47.7%
CANARA HSBC LIFE INS CO L
CANHLIFEInsurance
+20.4%1.1%
106.2x
Premium
+332% vs avg
+34.0%
CANARA ROBECO AMC LIMITED
CRAMCAsset Management
+20.2%45.6%
23.6x
Fair
-4% vs avg
-14.6%
INDIAN RENEWABLE ENERGY
IREDASpecialized Finance
+23.7%46.0%
16.8x
Undervalued
-32% vs avg
-17.7%
WHY THESE PEERS

PUNJAB & SIND BANK trades at a discount (12.2x vs peer avg 24.6x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include UCO BANK, INDIAN OVERSEAS BANK, BANK OF MAHARASHTRA — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹3.21K CrJun 2026

Latest net profit

₹332 CrJun 2026

Free cash flow

₹-2.13K CrMar 2026

Net Profit

₹332 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr850 Cr1.70K Cr2.55K Cr3.40K Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOtheradjustmentsProfitbefore taxTax &minorityNet Profit0.00 Cr850 Cr1.70K Cr2.55K Cr3.40K Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-60.00K Cr0.00 Cr60.00K Cr1.20L Cr1.80L Cr
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +2,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,0423,0303,213
Interest1,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,0552,175
Expenses +6826489208758319249021,3561,0469671,037787920
Financing Profit5627-181-18619-5236-234-146-17-51188119
Financing Margin %2%1%-7%-8%1%-2%1%-7%-5%-1%-2%6%4%
Other Income +179268362413194359338677469374507427332
Depreciation0000000000000
Profit before tax234295181227213307375442323357456615451
Tax %35%36%37%39%15%22%25%29%17%18%26%31%27%
Net Profit +153189114139182240282313269295336422332
EPS in Rs0.230.280.170.210.270.350.420.440.380.420.470.590.47
Gross NPA %6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%2.40%2.21%
Net NPA %1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%0.79%0.65%
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderJun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters93.85%93.85%93.85%93.85%93.85%
FII0.25%0.16%0.16%0.15%0.14%
DII4.08%4.03%4.00%3.90%3.81%
Public1.82%1.96%1.99%2.09%2.21%
Others———0.01%—
Jun 2026
Promoters
FII
DII
Public

Events Timeline

Annual Report FY26

FY2026PDFCompany Reports Open

Shareholder Meeting / Postal Ballot-Outcome of AGM

Jul 28, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Jul 27, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Jul 20, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Newspaper Publication

Jul 20, 2026PDFCompany Reports Open