Stox
40
Punjab & Sind Bank
NSE: PSB · Unclassified
₹20.20+1.56%06 Nov 2026
Ask the data
Instant answers about Punjab & Sind Bank — computed from its filings, no language modelMarket cap₹14,333 cr
Current price₹20.20
High / Low₹32 / ₹18
P/E9.5
P/B0.99
Book value₹20.5
ROE10.3%
ROCE—
Debt / equity—
Dividend yield0.35%
EPS (TTM)₹2.12
Face value₹10
Price & valuation
split & bonus adjusted · pick a metric and rangeAnnual performance
annual · ₹ crore · line = operating margin| FY12† | FY13† | FY14† | FY15† | FY16† | FY17† | FY18† | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 6,892 | 7,757 | 8,416 | 9,017 | 9,223 | 8,751 | 8,530 | 8,827 | 7,877 | 8,055 | 8,933 | 10,915 | 13,049 | 13,759 |
| Pre-provision op. profit | 760 | 939 | 801 | 775 | 1,270 | 1,242 | 1,145 | 1,097 | 771 | 1,330 | 1,450 | 1,131 | 2,075 | 2,182 |
| Operating margin | 11.0% | 12.1% | 9.5% | 8.6% | 13.8% | 14.2% | 13.4% | 12.4% | 9.8% | 16.5% | 16.2% | 10.4% | 15.9% | 15.9% |
| Interest | 4,973 | 5,699 | 6,352 | 6,909 | 6,569 | 6,014 | 5,714 | 5,872 | 4,712 | 4,444 | 5,019 | 6,853 | 7,698 | 8,170 |
| Profit before tax | 614 | 487 | 246 | 148 | 498 | 250 | -595 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,752 |
| Tax | 163 | 147 | -54 | 27 | 162 | 49 | 149 | -532 | -671 | 148 | 307 | 342 | 322 | 430 |
| Net profit | 451 | 339 | 301 | 121 | 336 | 201 | -744 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,322 |
| EPS ₹ | — | — | — | — | — | — | — | -15.76 | -35.71 | 2.56 | 1.94 | 0.88 | 1.50 | 1.86 |
| Operating cash flow | — | — | — | — | — | — | — | — | — | -5,999 | 1,428 | 1,749 | -2,294 | -1,893 |
| Capex | — | — | — | — | — | — | — | — | — | 121 | 90 | 229 | 167 | 241 |
| Dividend paid | — | — | — | — | — | — | — | — | — | 0 | 210 | 325 | 136 | 50 |
| Total assets | — | — | — | — | — | — | — | — | — | — | — | 1,47,657 | 1,61,815 | 1,79,270 |
| Equity | — | — | — | — | — | — | — | — | — | — | — | 15,533 | 13,355 | 14,132 |
Quarterly performance
last 62 quarters · ₹ crore| DEC '10† | MAR '11† | JUN '11† | SEP '11† | DEC '11† | MAR '12† | JUN '12† | SEP '12† | DEC '12† | MAR '13† | JUN '13† | SEP '13† | DEC '13† | MAR '14† | JUN '14† | SEP '14† | DEC '14† | MAR '15† | JUN '15† | SEP '15† | DEC '15† | MAR '16† | JUN '16† | SEP '16† | DEC '16† | MAR '17† | JUN '17† | SEP '17† | DEC '17† | MAR '18† | JUN '18 | SEP '18† | DEC '18 | MAR '19† | JUN '19 | SEP '19 | DEC '19 | MAR '20 | JUN '20 | SEP '20 | DEC '20 | MAR '21 | JUN '21 | SEP '21 | MAR '22 | SEP '22 | DEC '22 | MAR '23 | JUN '23 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 1,352 | 1,486 | 1,595 | 1,711 | 1,754 | 1,832 | 1,844 | 1,886 | 1,983 | 2,044 | 2,000 | 1,980 | 2,178 | 2,258 | 2,263 | 2,253 | 2,266 | 2,235 | 2,356 | 2,304 | 2,261 | 2,302 | 2,279 | 2,204 | 2,158 | 2,110 | 2,063 | 2,167 | 2,179 | 2,122 | 2,336 | 2,409 | 2,337 | 2,304 | 2,238 | 2,223 | 2,077 | 2,289 | 1,954 | 1,999 | 1,983 | 1,941 | 2,040 | 1,945 | 2,008 | 2,120 | 2,245 | 2,652 | 2,494 | 2,674 | 2,853 | 2,894 | 2,846 | 3,098 | 3,269 | 3,836 | 3,379 | 3,373 | 3,549 | 3,457 | 3,546 | 3,747 |
| Pre-provision op. profit | 232 | 290 | 167 | 170 | 185 | 238 | 177 | 202 | 286 | 273 | 234 | 172 | 190 | 204 | 198 | 214 | 161 | 202 | 274 | 260 | 299 | 437 | 329 | 301 | 277 | 335 | 305 | 359 | 353 | 128 | 408 | 351 | 234 | 404 | 270 | 251 | 147 | 430 | 226 | 231 | 140 | 174 | 411 | 249 | 317 | 318 | 344 | 536 | 257 | 260 | 277 | 336 | 317 | 458 | 484 | 816 | 540 | 505 | 594 | 542 | 545 | 617 |
| Operating margin | 17.2% | 19.5% | 10.5% | 9.9% | 10.5% | 13.0% | 9.6% | 10.7% | 14.4% | 13.4% | 11.7% | 8.7% | 8.7% | 9.0% | 8.7% | 9.5% | 7.1% | 9.0% | 11.6% | 11.3% | 13.2% | 19.0% | 14.5% | 13.6% | 12.8% | 15.9% | 14.8% | 16.6% | 16.2% | 6.0% | 17.5% | 14.5% | 10.0% | 17.5% | 12.0% | 11.3% | 7.1% | 18.8% | 11.6% | 11.6% | 7.1% | 9.0% | 20.1% | 12.8% | 15.8% | 15.0% | 15.3% | 20.2% | 10.3% | 9.7% | 9.7% | 11.6% | 11.1% | 14.8% | 14.8% | 21.3% | 16.0% | 15.0% | 16.7% | 15.7% | 15.4% | 16.5% |
| Other income | 92 | 120 | 94 | 105 | 94 | 125 | 86 | 87 | 105 | 139 | 127 | 79 | 116 | 122 | 125 | 97 | 83 | 124 | 112 | 75 | 116 | 176 | 125 | 157 | 148 | 148 | 123 | 168 | 135 | 156 | 151 | 209 | 181 | 286 | 167 | 209 | 136 | 385 | 154 | 199 | 219 | 330 | 349 | 204 | 215 | 140 | 138 | 547 | 179 | 268 | 362 | 13 | 194 | 359 | 338 | 677 | 469 | 374 | 507 | 427 | 332 | 352 |
| Interest | 874 | 972 | 1,150 | 1,249 | 1,286 | 1,288 | 1,389 | 1,397 | 1,439 | 1,474 | 1,447 | 1,496 | 1,657 | 1,751 | 1,744 | 1,695 | 1,752 | 1,719 | 1,728 | 1,659 | 1,585 | 1,597 | 1,593 | 1,528 | 1,499 | 1,394 | 1,374 | 1,403 | 1,444 | 1,493 | 1,474 | 1,595 | 1,622 | 1,589 | 1,503 | 1,504 | 1,464 | 1,400 | 1,263 | 1,187 | 1,147 | 1,116 | 1,111 | 1,124 | 1,096 | 1,205 | 1,302 | 1,421 | 1,578 | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 | 2,056 | 2,055 | 2,175 | 2,234 |
| Profit before tax | 171 | 220 | 99 | 188 | 157 | 170 | 92 | 138 | 139 | 119 | 196 | -15 | 105 | -39 | 34 | 118 | 56 | -60 | 58 | 143 | 127 | 170 | 139 | 75 | 101 | -64 | 53 | 64 | -235 | -476 | -617 | -243 | 31 | -30 | -65 | -722 | -347 | -388 | -157 | -632 | -2,785 | 169 | 334 | 98 | 449 | 193 | 552 | 593 | 234 | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 | 615 | 451 | 565 |
| Tax | 36 | 90 | 35 | 40 | 65 | 23 | 68 | 21 | 65 | -6 | 74 | -58 | 5 | -75 | 13 | 5 | -2 | 10 | 15 | 19 | 57 | 72 | 85 | 13 | 24 | -73 | 28 | 50 | 23 | 48 | -219 | -134 | 9 | 29 | -35 | -253 | -92 | -152 | -40 | -231 | -409 | 9 | 160 | -120 | 103 | -85 | 179 | 136 | 82 | 106 | 66 | 87 | 32 | 68 | 93 | 130 | 54 | 63 | 120 | 194 | 120 | 153 |
| Net profit | 135 | 130 | 64 | 148 | 92 | 148 | 24 | 117 | 74 | 124 | 122 | 43 | 100 | 36 | 21 | 112 | 58 | -70 | 43 | 124 | 70 | 98 | 53 | 62 | 78 | 8 | 25 | 14 | -258 | -525 | -398 | -109 | 22 | -59 | -30 | -469 | -255 | -236 | -157 | -401 | -2,376 | 161 | 174 | 218 | 346 | 278 | 373 | 457 | 153 | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 | 422 | 332 | 412 |
| EPS ₹ | 7.32 | 5.13 | 2.87 | 6.62 | 4.11 | 5.63 | 1.03 | 5.00 | 3.15 | 4.30 | 4.79 | 1.69 | 3.91 | 0.46 | 0.78 | 4.06 | — | -1.75 | 1.08 | 3.11 | 1.76 | 2.45 | 1.33 | 1.55 | 1.94 | 0.21 | 0.63 | 0.34 | -6.45 | -12.87 | -7.05 | -1.93 | 0.40 | -1.04 | -0.53 | -7.79 | -3.96 | -3.37 | -1.67 | -5.72 | -33.89 | 1.67 | 0.43 | 0.54 | 0.85 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.46 | 0.38 | 0.42 | 0.47 | 0.59 | 0.47 | 0.58 |
| Revenue YoY | — | — | — | — | 29.7% | 23.3% | 15.6% | 10.2% | 13.1% | 11.6% | 8.5% | 5.0% | 9.8% | 10.5% | 13.2% | 13.8% | 4.1% | -1.0% | 4.1% | 2.3% | -0.3% | 3.0% | -3.3% | -4.3% | -4.5% | -8.3% | -9.5% | -1.7% | 1.0% | 0.6% | 13.3% | 11.2% | 7.3% | 8.6% | -4.2% | -7.8% | -11.1% | -0.6% | -12.7% | -10.1% | -4.5% | -15.2% | 4.4% | -2.7% | 3.5% | 9.0% | — | 32.1% | — | 26.1% | 27.1% | 9.1% | 14.1% | 15.8% | 14.6% | 32.5% | 18.7% | 8.9% | 8.6% | -9.9% | 4.9% | 11.1% |
| Profit YoY | — | — | — | — | -32.3% | 13.5% | -62.5% | -20.8% | -19.6% | -15.8% | 406.5% | -63.3% | 35.9% | -71.2% | -82.4% | 161.2% | -42.1% | -295.9% | 101.4% | 10.8% | 21.3% | — | 23.6% | -50.2% | 10.2% | -91.5% | -52.4% | -77.9% | -433.2% | -6398.0% | -1668.9% | -897.3% | — | — | — | — | -1243.6% | — | — | — | — | — | — | — | 115.2% | 27.4% | — | 32.0% | — | -32.0% | -69.4% | -69.5% | 18.9% | 26.7% | 146.7% | 124.5% | 48.3% | 22.9% | 19.3% | 34.9% | 23.2% | 39.9% |
Returns & margins
trailing-twelve-month, per quarter| SEP '11 | DEC '11 | MAR '12 | JUN '12 | SEP '12 | DEC '12 | MAR '13 | JUN '13 | SEP '13 | DEC '13 | MAR '14 | JUN '14 | SEP '14 | DEC '14 | MAR '15 | JUN '15 | SEP '15 | DEC '15 | MAR '16 | JUN '16 | SEP '16 | DEC '16 | MAR '17 | JUN '17 | SEP '17 | DEC '17 | MAR '18 | JUN '18 | SEP '18 | DEC '18 | MAR '19 | JUN '19 | SEP '19 | DEC '19 | MAR '20 | JUN '20 | SEP '20 | DEC '20 | MAR '21 | JUN '21 | SEP '21 | JUN '23 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 8.8% | 7.7% | 6.0% | 3.8% | 4.0% | 5.8% | 7.3% | 7.6% | 8.3% | 8.5% | 8.9% | 9.4% | 9.8% | 10.3% |
| Net margin | 7.8% | 6.6% | 6.5% | 5.8% | 5.2% | 4.8% | 4.4% | 5.5% | 4.5% | 4.7% | 3.6% | 2.3% | 3.0% | 2.5% | 1.3% | 1.6% | 1.7% | 1.8% | 3.6% | 3.8% | 3.1% | 3.3% | 2.3% | 2.0% | 1.5% | -2.5% | -8.7% | -13.3% | -14.3% | -11.0% | -5.8% | -1.9% | -5.9% | -9.2% | -11.2% | -13.1% | -12.6% | -38.5% | -35.2% | -30.7% | -23.0% | 13.3% | 11.6% | 8.6% | 5.5% | 5.5% | 5.8% | 7.0% | 7.8% | 8.1% | 8.4% | 8.6% | 9.6% | 9.9% | 10.5% |
| EBITDA margin | 14.0% | 12.4% | 11.0% | 10.8% | 11.0% | 12.0% | 12.1% | 12.6% | 12.1% | 10.6% | 9.5% | 8.8% | 9.0% | 8.6% | 8.6% | 9.4% | 9.8% | 11.3% | 13.8% | 14.5% | 15.1% | 15.0% | 14.2% | 14.3% | 15.0% | 15.9% | 13.4% | 14.2% | 13.7% | 12.2% | 14.9% | 13.5% | 12.7% | 12.1% | 12.4% | 12.3% | 12.4% | 12.5% | 9.8% | 12.0% | 12.3% | 15.3% | 13.9% | 12.5% | 10.4% | 10.6% | 11.9% | 13.2% | 15.9% | 16.9% | 16.9% | 17.4% | 15.9% | 15.7% | 16.1% |
| Asset turnover | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 0.07 | 0.07 | 0.08 | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 |
Balance sheet
equity vs borrowings over time · ₹ crore| SEP '22 | SEP '23 | MAR '24 | SEP '24 | MAR '25 | SEP '25 | MAR '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|
| Share capital | 6,778 | 6,778 | 6,778 | 6,778 | 7,096 | 7,096 | 7,096 | 7,096 |
| Reserves | 7,505 | 8,345 | 8,756 | 4,799 | 6,259 | 6,538 | 7,037 | 7,448 |
| Total equity | 14,283 | 15,123 | 15,533 | 11,577 | 13,355 | 13,634 | 14,132 | 14,544 |
| Deposits | 1,05,238 | 1,16,481 | 1,19,410 | 1,24,025 | 1,29,774 | 1,35,706 | 1,45,829 | 1,53,312 |
| Borrowings | 8,387 | 7,956 | 9,771 | 9,785 | 14,230 | 12,536 | 16,352 | 19,230 |
| Total assets | 1,30,270 | 1,42,154 | 1,47,657 | 1,48,280 | 1,61,815 | 1,65,342 | 1,79,270 | 1,90,288 |
| Advances | 68,205 | 78,352 | 82,736 | 88,596 | 97,300 | 1,03,472 | 1,15,912 | 1,24,034 |
| Investments | 47,182 | 48,788 | 49,599 | 44,926 | 46,912 | 48,573 | 49,388 | 50,907 |
| Fixed assets | 1,531 | 1,487 | 1,756 | 1,713 | 1,779 | 1,766 | 1,862 | 2,012 |
| Cash & bank balances | 6,070 | 6,727 | 7,383 | 6,855 | 8,820 | 6,071 | 6,299 | 7,769 |
Cash flow
annual · ₹ crore · line = free cash flow| FY22 | FY23 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|
| Cash from operations | -5,999 | 1,428 | 1,749 | -2,294 | -1,893 |
| Cash from investing | -121 | -88 | -229 | -168 | -241 |
| Cash from financing | 4,068 | -1,332 | -434 | 3,898 | -387 |
| Capex | 121 | 90 | 229 | 167 | 241 |
| Free cash flow | -6,119 | 1,338 | 1,520 | -2,461 | -2,134 |
| Dividends paid | 0 | 210 | 325 | 136 | 50 |
Where the assets sit
Sep '26 · ₹ croreAdvances₹1,24,034 cr65%
Investments₹50,907 cr27%
Fixed assets₹2,012 cr1%
Cash & bank₹7,769 cr4%
Other assets₹5,565 cr3%
Peer comparison
largest in Unclassified · this company in bold| Company | Market cap ₹cr | Price | P/E | P/B | ROE |
|---|---|---|---|---|---|
| Avantel Limited | 36,86,04,549 | 138.69 | — | 1059360.68 | 0.0% |
| Ducol Organics And Colours Limited | 19,55,275 | 120.00 | — | 20089.13 | 0.0% |
| Jio Platforms Limited | 12,57,181 | 1,406.40 | — | 3.57 | — |
| SBI Funds Management Limited | 1,01,750 | 499.55 | — | — | — |
| Tamilnadu Telecommunication Limited | 91,314 | 9.93 | — | — | — |
| Manipal Health Enterprises Limited | 76,294 | 646.70 | — | — | — |
| INDO-MIM Limited | 59,042 | 1,219.50 | — | — | — |
| AvenuesAI Limited | 45,138 | 129.25 | 153.6 | 9.51 | 6.2% |
| Dhoot Transmission Limited | 32,761 | 1,601.60 | — | 8.11 | — |
| 3M India Limited | 31,071 | 27,570.00 | 53.8 | 17.57 | 32.7% |
| Punjab & Sind Bank | 14,333 | 20.20 | 9.5 | 0.99 | 10.3% |
StoxGud checklist: Neutral setup · 4/10
- Price above 50-day average
- Price above 200-day average
- 50-day average above 200-day (uptrend)
- RSI in healthy 40–70 zone
- Positive 1-year return
- Return on equity above 15%
- Debt to equity below 1
- Revenue growing year on year
- Net profit margin above 10%
- P/E below industry median
A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.
Returns & technicals
1 month-4.1%
6 months-22.3%
1 year-36.0%
3Y CAGR-20.0%
5Y CAGR+2.4%
10Y CAGR-8.8%
50-day avg₹21.31
200-day avg₹23.89
RSI (14)43
FAQs
What is the share price of Punjab & Sind Bank?
Punjab & Sind Bank (PSB) closed at ₹20.20 on NSE on 06 Nov 2026.
What is the market cap of Punjab & Sind Bank?
₹14,333 crore at the latest close.
What is the P/E ratio of Punjab & Sind Bank?
9.5, on trailing-twelve-month earnings from its filings.
How fast is Punjab & Sind Bank growing?
Punjab & Sind Bank: revenue has compounded at 15.5% a year over three years; net profit at 0.2% a year. Latest-quarter revenue is up 11.1% year on year, profit up 39.9%.
How profitable is Punjab & Sind Bank?
On a trailing-twelve-month basis return on equity is 10.3%, operating margin 16.1%, net margin 10.5%.
How much debt does Punjab & Sind Bank have?
Debt to equity isn't meaningful for Punjab & Sind Bank (banks borrow as part of their business) or isn't filed yet.
Financials parsed from Punjab & Sind Bank's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from DEC '10, annual from FY12, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters before JUN '18 and quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.
Punjab & Sind Bank · advanced chart