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Swing Capital

Punjab & Sind Bank

NSE: PSB BSE: 533295Banking

Punjab & Sind Bank is engaged in the Business of Deposits,Loans & Advances and Remittances & Collections.

₹23.4
52W: ₹20.5 — ₹34.4
PE 12.6 · Book ₹19.9 · +18% vs book
Market Cap₹16,611 Cr
Stock P/E12.6Price to Earnings
ROCE5.95%Return on Capital
ROE9.62%Return on Equity
Div. Yield0.3%Face Value ₹10

Strengths

  • +Stock is trading at 1.18 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 11.4% over past five years.
  • −Company has a low return on equity of 6.74% over last 3 years.
  • −Contingent liabilities of Rs.6,200 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters93.85%
FIIs0.15%
DIIs3.9%
Public2.09%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters98.25%98.25%98.25%93.85%▼4.493.85%93.85%93.85%93.85%
FIIs0%0%0%0.73%▲0.70.25%▼0.50.16%▼0.10.16%0.15%▼0.0
DIIs0.65%0.65%0.65%4.32%▲3.74.08%▼0.24.03%▼0.04%▼0.03.9%▼0.1
Public1.11%1.11%1.1%▼0.01.11%▲0.01.82%▲0.71.96%▲0.11.99%▲0.02.09%▲0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses9208758319249021,3561,0469671,037787
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit114139182240282313269295336422
EPS ₹0.170.210.270.350.420.440.380.420.470.59

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 3.9% (+3.24pp change). FIIs: 0.15% (+0.15pp change). Promoters hold 93.85%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 12.6x with 5.95% ROCE. Price is 18% above book value of ₹19.9. Dividend yield: 0.3%.

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