Punjab & Sind Bank

₹20.20As of Sun 8 Nov 2026, 12:00 UTC

NSE:PSBFinancials

Country India

PE (Fwd) 9.247

TSR 10Y CAGR (8.81%)

Div yield 1.93%

ROTE —

Banks (Regional)

Beta (5Y) 0.54

PE TTM 10.84

TSR TTM (34.37%)

Mkt cap ₹146.4B

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹22

7.30%

77.64%

Price below Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

55.89

Revenue₹B

—

36.11

39.13

40.63

53.51

55.89

60.39

11.54%

4.45

Revenue growth%

—

8.38

3.81

31.72

4.45

8.05

6.41

—

NIM%

—

60.97

Effic. R.%

—

63.16

62.95

72.16

61.23

60.97

60.96

62.95

—

23.65

Net margin%

—

28.78

33.55

14.66

18.98

23.65

23.80

23.65

10.84

P/E ratio (avg)x

—

7.352

15.46

52.36

38.74

15.84

9.971

15.84

—

P/TBVx

—

P/Bx

—

38.11

NII₹B

—

26.51

29.73

28.41

37.84

38.11

41.23

9.50%

—

0.73

NII grth%

—

12.15

(4.45)

33.18

0.73

8.18

6.44

—

ROTE%

—

Return on equity%

—

Return on assets%

—

1.86

EPS₹

—

2.56

1.94

0.88

1.50

1.86

2.03

(7.63%)

—

24.37

EPS growth%

—

(24.30)

(54.65)

70.52

24.37

8.74

0.03

—

Bookvalue per sh₹

—

TBV/sh₹

—

0.39

Dividend per sh₹

—

0.31

0.48

0.20

0.07

0.39

0.42

5.91%

—

1.93

Div yield (avg)%

—

1.65

1.60

0.43

0.12

1.32

2.10

1.32

20.93

Payout ratio%

—

12.11

24.78

22.77

4.67

20.93

20.98

20.93

7.096

Shares (diluted)B

—

4.060

6.778

6.781

7.096

◌7.096

14.98%

(4.63)

Buyback yield%

—

(66.94)

—

(0.05)

(4.63)

◌—

(2.34)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$1.535B)

Cap (US$)

The South Indian Bank…

1.606B

9.535x

Jammu and Kashmir Bank…

1.444B

5.745x

Tamilnad Mercantile…

1.403B

8.350x

K Bank Co.,Ltd.

1.534B

24.16x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(2.70)

(1.62)

Owners

Insiders/Inst%

—

1.47

Short interest%

—

SBC / revenue%

—

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

2/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹55.89B

11.54%

1.00×

Non-interest expense

₹34.07B

10.56%

0.97×

Revenue mix

Trend

Net interest income

68.19%

Non-interest income

31.81%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m