Punjab & Sind Bank

PSB

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Market Cap

₹ 19,704 Cr

P/E

17.04

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Performance

UNDER PERFORMER

Valuation

OVERVALUED

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bearish

Risk

HIGH RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Punjab & Sind Bank is a leading public sector bank focused on retail banking, corporate banking, and priority sector financing, with a significant presence in Northern India.

In Q2 FY 2025-26, the Bank's total business grew by 12.19% YoY, demonstrating a strong business pipeline and solid growth trajectory.

The Bank's Gross Non-Performing Asset (NPA) ratio improved significantly, standing at 2.92%, indicating enhanced asset quality and better risk management.

A notable digital transformation is underway, including the launch of digital lending for vehicular and housing loans, expected to streamline operations and enhance customer experience.

The Bank has expanded its branch and ATM networks considerably, reflecting a commitment to improving access and service delivery across the country.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

19,704 Cr

Volatility

High Risk

P/E Ratio

17.0

Industry P/E

9.3

PEG Ratio

0.2

P/B Ratio

1.6

52W High

52.90

52W Low

25.29

Sales CAGR

18.44%

17.40%

7.68%

10Y

3.07%

Profit CAGR

70.61%

-0.75%

—

10Y

13.08%

ROE

TTM

8.50%

6.65%

1.85%

10Y

-0.53%

ROCE

TTM

5.80%

11.36%

11.34%

10Y

12.12%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	784.15	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	37.04	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	141.75	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87
MAHABANK	57.42	44,165 Cr	7.26	1.50	2.61	19.52	5.65	1.64
UCOBANK	29.18	36,540 Cr	14.79	1.31	1.34	7.92	5.32	0.67
CENTRALBK	36.54	33,074 Cr	7.31	0.96	0.51	11.65	5.34	0.89
PSB	27.75	19,704 Cr	17.04	1.57	0.25	8.50	5.80	0.67

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,316	2,406	2,491	2,481	2,652	2,739	2,931	3,159	2,911	2,999
Expenses	682	648	920	875	831	924	902	1,356	1,046	967
Interest	1,578	1,731	1,752	1,792	1,802	1,866	1,992	2,037	2,010	2,049
Financing Profit	56	27	-181	-186	19	-52	36	-234	-146	-17
Financing Margin %	2.40	1.12	-7.27	-7.50	0.73	-1.88	1.24	-7.42	-5.01	-0.57
Other Income	179	268	362	413	194	359	338	677	469	374
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	234	295	181	227	213	307	375	442	323	357
Tax %	34.82	35.96	36.74	38.56	14.88	22.04	24.74	29.29	16.67	17.59
Net Profit	153	189	114	139	182	240	282	313	269	295
EPS in Rs	0.22	0.27	0.16	0.20	0.26	0.33	0.40	0.46	0.38	0.42
Gross NPA %	6.80	6.23	5.70	5.43	4.72	4.21	3.83	3.38	3.34	0.00
Net NPA %	1.95	1.88	1.80	1.63	1.59	1.46	1.25	0.96	0.91	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	11,481	11,740
Expenses	2,444	3,347	3,981	4,423	6,468	2,287	2,145	2,975	3,869	4,229
Interest	6,014	5,714	6,279	5,872	4,712	4,444	5,019	6,853	7,698	7,906
Financing Profit	-285	-1,112	-1,702	-2,366	-4,206	364	828	-134	-85	-395
Financing Margin %	-3.49	-13.99	-19.88	-29.84	-60.31	5.14	10.36	-1.39	-0.74	-3.37
Other Income	578	581	828	897	904	959	940	1,221	1,568	1,843
Depreciation	42	64	-15	54	102	137	148	150	145	0.00
Profit Before Tax	250	-595	-859	-1,522	-3,404	1,187	1,620	937	1,338	1,447
Tax %	19.72	-25.04	36.71	34.92	19.72	12.44	18.94	36.45	24.05	23.76
Net Profit	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016	1,103
EPS in Rs	0.28	-1.33	-0.77	-1.43	-3.12	1.79	1.84	0.85	1.45	1.66
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	12.11	24.74	22.73	4.67	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	400	400	565	565	701	4,053	6,778	6,778	6,778	7,096
Reserves	5,570	5,742	5,618	5,136	4,895	4,310	7,233	8,331	8,756	6,259
Borrowings	94,089	88,499	1,05,409	1,01,272	92,881	98,752	1,04,581	1,18,684	1,29,180	1,44,004
Other Liabilities	2,522	2,002	2,167	2,009	2,027	3,367	2,476	2,662	2,943	4,457
Total Liabilities	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815
Fixed Assets	1,133	1,095	1,083	1,230	1,241	1,585	1,577	1,519	1,756	1,779
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	27,645	27,949	32,982	26,173	24,552	32,023	42,281	44,838	49,599	46,912
Other Assets	73,803	67,600	79,695	81,579	74,711	76,874	77,209	90,097	96,302	1,13,124
Total Assets	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	930	-509	1,063	-97	2,210	-5,848	-5,999	1,428	1,749	-2,294
Cash from Investing Activity	-38	-20	-51	-61	-63	-446	-121	-88	-229	-168
Cash from Financing Activity	-209	216	1,531	-356	814	5,055	4,068	-1,332	-434	3,898
Net Cash Flow	683	-313	2,543	-514	2,960	-1,239	-2,051	8.50	1,086	1,437

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	93.85%	93.85%	93.85%
FIIs	0.00%	0.01%	0.00%	0.03%	0.01%	0.02%	0.00%	0.00%	0.00%	0.73%	0.25%	0.16%
DIIs	0.68%	0.67%	0.66%	0.68%	0.65%	0.65%	0.65%	0.65%	0.65%	4.32%	4.07%	4.04%
Public	1.07%	1.07%	1.09%	1.05%	1.09%	1.08%	1.10%	1.10%	1.10%	1.10%	1.84%	1.96%
Total Shareholders	1,46,843	1,46,968	1,45,385	1,55,115	1,56,109	1,84,679	1,91,445	1,99,351	1,99,133	1,99,821	2,22,234	2,22,120

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	784.15	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	37.04	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	141.75	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87
MAHABANK	57.42	44,165 Cr	7.26	1.50	2.61	19.52	5.65	1.64
UCOBANK	29.18	36,540 Cr	14.79	1.31	1.34	7.92	5.32	0.67
CENTRALBK	36.54	33,074 Cr	7.31	0.96	0.51	11.65	5.34	0.89
PSB	27.75	19,704 Cr	17.04	1.57	0.25	8.50	5.80	0.67

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,316	2,406	2,491	2,481	2,652	2,739	2,931	3,159	2,911	2,999
Expenses	682	648	920	875	831	924	902	1,356	1,046	967
Interest	1,578	1,731	1,752	1,792	1,802	1,866	1,992	2,037	2,010	2,049
Financing Profit	56	27	-181	-186	19	-52	36	-234	-146	-17
Financing Margin %	2.40	1.12	-7.27	-7.50	0.73	-1.88	1.24	-7.42	-5.01	-0.57
Other Income	179	268	362	413	194	359	338	677	469	374
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	234	295	181	227	213	307	375	442	323	357
Tax %	34.82	35.96	36.74	38.56	14.88	22.04	24.74	29.29	16.67	17.59
Net Profit	153	189	114	139	182	240	282	313	269	295
EPS in Rs	0.22	0.27	0.16	0.20	0.26	0.33	0.40	0.46	0.38	0.42
Gross NPA %	6.80	6.23	5.70	5.43	4.72	4.21	3.83	3.38	3.34	0.00
Net NPA %	1.95	1.88	1.80	1.63	1.59	1.46	1.25	0.96	0.91	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	11,481	11,740
Expenses	2,444	3,347	3,981	4,423	6,468	2,287	2,145	2,975	3,869	4,229
Interest	6,014	5,714	6,279	5,872	4,712	4,444	5,019	6,853	7,698	7,906
Financing Profit	-285	-1,112	-1,702	-2,366	-4,206	364	828	-134	-85	-395
Financing Margin %	-3.49	-13.99	-19.88	-29.84	-60.31	5.14	10.36	-1.39	-0.74	-3.37
Other Income	578	581	828	897	904	959	940	1,221	1,568	1,843
Depreciation	42	64	-15	54	102	137	148	150	145	0.00
Profit Before Tax	250	-595	-859	-1,522	-3,404	1,187	1,620	937	1,338	1,447
Tax %	19.72	-25.04	36.71	34.92	19.72	12.44	18.94	36.45	24.05	23.76
Net Profit	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016	1,103
EPS in Rs	0.28	-1.33	-0.77	-1.43	-3.12	1.79	1.84	0.85	1.45	1.66
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	12.11	24.74	22.73	4.67	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	400	400	565	565	701	4,053	6,778	6,778	6,778	7,096
Reserves	5,570	5,742	5,618	5,136	4,895	4,310	7,233	8,331	8,756	6,259
Borrowings	94,089	88,499	1,05,409	1,01,272	92,881	98,752	1,04,581	1,18,684	1,29,180	1,44,004
Other Liabilities	2,522	2,002	2,167	2,009	2,027	3,367	2,476	2,662	2,943	4,457
Total Liabilities	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815
Fixed Assets	1,133	1,095	1,083	1,230	1,241	1,585	1,577	1,519	1,756	1,779
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	27,645	27,949	32,982	26,173	24,552	32,023	42,281	44,838	49,599	46,912
Other Assets	73,803	67,600	79,695	81,579	74,711	76,874	77,209	90,097	96,302	1,13,124
Total Assets	1,02,581	96,643	1,13,759	1,08,982	1,00,504	1,10,482	1,21,068	1,36,455	1,47,657	1,61,815

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	930	-509	1,063	-97	2,210	-5,848	-5,999	1,428	1,749	-2,294
Cash from Investing Activity	-38	-20	-51	-61	-63	-446	-121	-88	-229	-168
Cash from Financing Activity	-209	216	1,531	-356	814	5,055	4,068	-1,332	-434	3,898
Net Cash Flow	683	-313	2,543	-514	2,960	-1,239	-2,051	8.50	1,086	1,437

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Punjab & Sind Bank is a leading public sector bank focused on retail banking, corporate banking, and priority sector financing, with a significant presence in Northern India.

In Q2 FY 2025-26, the Bank's total business grew by 12.19% YoY, demonstrating a strong business pipeline and solid growth trajectory.

The Bank's Gross Non-Performing Asset (NPA) ratio improved significantly, standing at 2.92%, indicating enhanced asset quality and better risk management.

A notable digital transformation is underway, including the launch of digital lending for vehicular and housing loans, expected to streamline operations and enhance customer experience.

The Bank has expanded its branch and ATM networks considerably, reflecting a commitment to improving access and service delivery across the country.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

19,704 Cr

Volatility

High Risk

P/E Ratio

17.0

Industry P/E

9.3

PEG Ratio

0.2

P/B Ratio

1.6

52W High

52.90

52W Low

25.29

Sales CAGR

18.44%

17.40%

7.68%

10Y

3.07%

Profit CAGR

70.61%

-0.75%

—

10Y

13.08%

ROE

TTM

8.50%

6.65%

1.85%

10Y

-0.53%

ROCE

TTM

5.80%

11.36%

11.34%

10Y

12.12%

Punjab Sind Bank

Punjab & Sind Bank

PSB

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Projection

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Projection

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Punjab & Sind Bank

PSB

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