Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PSB.NS
SellSinkerPunjab & Sind Bank · Financial Services · India · $1.7B · Avg Vol: $256K/d
34
StockRankGet insider-trade alerts
Q
39
V
50
M
36
P/E (TTM)
11.6x
ROE
9.8%
D/E
1.0x
Dividend %
1.7%
COMPANY DESCRIPTION
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 38.9B | 37.1B | 53.8B | 56.3B | 13.2% | 48.8B |
| EPS (INR) | 1.94 | 0.88 | 1.50 | 1.86 | -1.4% | 1.96 |
| Shares | 6.8B | 6.8B | 7.1B | 7.1B | +4.7% | 7.1B |
| Debt | 90.2B | 91.7B | 118.8B | 139.5B | 15.7% | 169.6B |
| Equity | 151.1B | 155.3B | 133.5B | 141.3B | -2.2% | — |
| Op CF | 14.3B | 17.5B | -22.9B | -18.9B | 22.3% | -19.0B |
| Inv CF | -881.6M | -2.3B | -1.7B | -2.4B | — | — |
| Fin CF | -13.3B | -4.3B | 39.0B | -3.9B | — | — |
Loading 1Y...
PRICE (1Y)-2.5%
SMA 50SMA 200
Close
$0.2366
RSI (14)
34.0
52W High
$0.3344
From 52W High
0.7%
SCORE BREAKDOWN
Quality
39
ROIC (ROA)
0.8%*30.9
ROE
9.8%48.8
GP/Assets
2.7%N/A
Op. Margin
35.4%52.1
FCF/Assets
-1.2%N/A
Piotroski
320.9
Int. Cover
—50.0
D/E Ratio
0.99xN/A
Current Ratio
bankN/A
Value
50
P/E (TTM)
11.6x58.3
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.1x54.5
P/S
3.3x55.4
Div Yield
1.7%20.0
Momentum
36
52W High %
71%17.6
RS 6M
-1%51.7
SMA 50/200
0.95x17.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
23%55.8
FUNDAMENTALS
Market Cap
$1.7B
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PSB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PSB.NS | Punjab & Sind Bank(you) | $1.7B | 34 | Sell |
| BANDHANBNK.NS | Bandhan Bank Limited | $2.9B | 32 | Sell |
| EQUITASBNK.NS | Equitas Small Finance Bank Limited | $875M | 36 | Hold |
| UCOBANK.NS | UCO Bank | $3.2B | 40 | Hold |
| CUB.NS | City Union Bank Limited | $2.4B | 47 | Hold |
| IDFCFIRSTB.NS | IDFC First Bank Limited | $7.9B | 35 | Sell |
| CSBBANK.NS | CSB Bank Limited | $559M | 43 | Hold |
| J&KBANK.NS | Jammu and Kashmir Bank Limited | $1.7B | 66 | Buy |
| UJJIVANSFB.NS | Ujjivan Small Finance Bank Limited | $1.3B | 62 | Hold |
| CENTRALBK.NS | Central Bank of India | $3.0B | 57 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%