Pun. & Sind Bank

Which are the latest news on Pun. & Sind Bank?

Should I buy, sell or hold Punjab & Sind Bank?

Why is Punjab & Sind Bank falling/rising?

As of 01-Jul, Punjab & Sind Bank's stock price is rising to 24.56, reflecting a trend reversal after previous declines and outperforming its sector. Despite a year-to-date decline and reduced investor participation, strong financial indicators suggest a short-term recovery amidst longer-term challenges.

As of 01-Jul, Punjab & Sind Bank's stock price is rising, currently at 24.56, with a change of 0.32 (1.32%) upward. This increase can be attributed to several factors. Notably, the stock has experienced a trend reversal, gaining after three consecutive days of decline. Additionally, it has outperformed its sector by 0.44% today, indicating a relative strength compared to its peers.<BR><BR>Despite a year-to-date decline of 11.43% and a significant drop of 25.98% over the past year, the bank has shown positive financial indicators. The bank's high Capital Adequacy Ratio of 15.07% suggests strong buffers against risk, and its net profit has grown at an annual rate of 19.96%. Furthermore, the company has reported positive results for the last eight consecutive quarters, with the Gross NPA at a low of 2.40% and a high Credit Deposit Ratio of 79.48%.<BR><BR>However, it is important to note that investor participation has been falling, with delivery volume decreasing by 38.21% against the five-day average. This decline in participation could indicate some caution among investors despite the positive financial metrics. Overall, the current rise in stock price reflects a short-term recovery amidst a backdrop of longer-term challenges.

How big is Pun. & Sind Bank?

As of 10th June, Punjab & Sind Bank has a market capitalization of 17,342.00 Cr and reported a Net Profit of 1,321.93 Cr, with Total Assets of 1,61,950.06 Cr. There is no valid data for Net Sales.

As of 10th June, Punjab & Sind Bank has a market capitalization of 17,342.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the bank reported Net Sales of 0.00 Cr, indicating no valid data found for this metric. The Net Profit for the same period was 1,321.93 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025. Shareholder's Funds were reported at 13,354.76 Cr, while Total Assets amounted to 1,61,950.06 Cr.

Who are in the management team of Pun. & Sind Bank?

The management team of Pun. & Sind Bank includes Swarup Kumar Saha (Managing Director & CEO), Raghavendra Venkatasheshan Kollegal and Ramjass Yadav (Executive Directors), along with other key members such as Saket Mehrotra (Company Secretary), Charan Singh (Chairman), and various directors representing shareholders and government interests. They oversee the bank's strategic direction and management.

The management team of Pun. & Sind Bank includes the following individuals:<BR><BR>1. **Swarup Kumar Saha** - Managing Director & CEO<BR>2. **Raghavendra Venkatasheshan Kollegal** - Executive Director<BR>3. **Ramjass Yadav** - Executive Director<BR>4. **Saket Mehrotra** - Company Secretary & Compliance Officer<BR>5. **Tirath Raj Mendiratta** - Director (Shareholder)<BR>6. **Shankar Lal Agarwal** - Non-Official Director<BR>7. **Rshmi Khetrapal** - Non-Official Director<BR>8. **K P Patnaik** - Nominee (RBI)<BR>9. **M.G. Jayasree** - Nominee (Government)<BR>10. **Charan Singh** - Chairman (Non-Executive)<BR><BR>This team is responsible for the strategic direction and management of the bank.

Who are the peers of the Pun. & Sind Bank?

The peers of Pun. & Sind Bank include Bank of Baroda, Union Bank, Punjab National Bank, Canara Bank, Indian Bank, Bank of India, Bank of Maharashtra, Indian Overseas Bank, UCO Bank, and Central Bank. In terms of management risk, Pun. & Sind Bank has an average rating, while Bank of Maharashtra shows excellent growth and the highest 1-year return at 50.03%, compared to Pun. & Sind Bank's return of -26.68%.

Peers: The peers of Pun. & Sind Bank are Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, Bank of Maha, I O B, UCO Bank, and Central Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bank of Maha, while Good management risk is found at Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, UCO Bank, and Central Bank, and Average management risk is found at Pun. & Sind Bank. All peers exhibit Good growth, except for Bank of Maha, which has Excellent growth. Capital Structure is Excellent at Pun. & Sind Bank, Good at Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, UCO Bank, and Central Bank, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bank of Maha at 50.03%, while the peer with the lowest is UCO Bank at -22.29%. Pun. & Sind Bank's 1-year return is -26.68%, which is lower than both of these peers. Additionally, the six-month return is negative for Bank Of Baroda, Punjab Natl.Bank, Canara Bank, Indian Bank, I O B, UCO Bank, and Central Bank.

What does Pun. & Sind Bank do?

Punjab & Sind Bank is a public sector bank in Northern India offering a variety of banking services to individuals and businesses. As of March 2026, it reported net sales of ₹3,029.99 crore and a net profit of ₹422 crore, with a market capitalization of ₹17,342 crore.

Overview:<BR>Punjab & Sind Bank is a leading public sector bank in Northern India, providing a wide range of banking products and services to individuals, commercial enterprises, and institutional customers, categorized as a Small Cap in the Public Sector Bank industry.<BR><BR>History:<BR>Punjab & Sind Bank was incorporated in the early 20th century and has maintained its status as a major banking institution. The latest quarterly results reported are for March 2026, showcasing the bank's ongoing operations and financial performance.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,029.99 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 422 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 17,342 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: 21 Bank House, Rajendra Palace New Delhi Maharashtra : 110008<BR>Phone: 91-011-25782926/25728930/25812922<BR>Email: complianceofficer@psb.co.in<BR>Website: http://www.punjabandsindbank.co.in

Are Punjab & Sind Bank latest results good or bad?

Punjab & Sind Bank's latest results show a net profit increase of 25.39% quarter-on-quarter, but declining net interest income and a low return on equity indicate underlying challenges. While the improvement in the gross NPA ratio is positive, reliance on non-operating income raises concerns about the sustainability of earnings.

Punjab & Sind Bank's latest results present a mixed picture. On the positive side, the bank reported a net profit of ₹421.83 crores for Q4 FY26, marking a significant increase of 25.39% quarter-on-quarter and 34.86% year-on-year. This profit surge was largely driven by a reversal in provisioning requirements, which indicates improved asset quality.<BR><BR>However, there are notable concerns. The net interest income (NII) declined by 1.15% quarter-on-quarter and 13.12% year-on-year, reflecting pressures on core banking profitability. Additionally, the bank's return on equity (ROE) stands at 8.71%, which is substantially below the peer average of around 14%. This suggests that while the bank has shown strong profit growth, the underlying operational efficiency and profitability metrics remain weak.<BR><BR>The gross non-performing asset (NPA) ratio improved to 2.40%, the lowest in over two years, which is a positive development. Yet, the reliance on non-operating income—accounting for nearly 70% of profit before tax—raises concerns about the sustainability of these earnings.<BR><BR>Overall, while the quarterly profit figures are impressive, the challenges in core profitability and operational efficiency suggest that the results are not entirely favorable. Investors may need to approach the bank's performance with caution, considering the structural issues that could impact future profitability.

When is the next results date for Punjab & Sind Bank?

The next results date for Punjab & Sind Bank is April 27, 2026.

The next results date for Punjab & Sind Bank is scheduled for April 27, 2026.

Is Pun. & Sind Bank overvalued or undervalued?

As of November 21, 2025, Pun. & Sind Bank is fairly valued with a PE ratio of 18.23, a Price to Book Value of 1.55, and a PEG ratio of 0.28, despite underperforming the Sensex year-to-date.

As of 21 November 2025, Pun. & Sind Bank's valuation grade has moved from expensive to fair. The bank appears to be fairly valued at this time. Key ratios include a PE ratio of 18.23, a Price to Book Value of 1.55, and a PEG ratio of 0.28, indicating a relatively attractive growth potential compared to its price.<BR><BR>In comparison to its peers, Pun. & Sind Bank's PE ratio is higher than that of SBI, which stands at 12.58, but lower than the attractive valuations of Bank of Baroda and Punjab National Bank, which have PE ratios of 7.64 and 8.98, respectively. Notably, the bank's return on equity (ROE) is 8.50%, while its net NPA to book value stands at 6.26%. Despite recent underperformance against the Sensex, with a year-to-date return of -37.77% compared to the Sensex's 9.08%, the current valuation suggests that Pun. & Sind Bank is positioned fairly within the market.

How has been the historical performance of Pun. & Sind Bank?

Pun. & Sind Bank has shown significant financial improvement since March 2021, with interest earned rising to 11,481.30 crore in March 2025, and profit after tax increasing to 1,015.83 crore. The bank's total assets grew to 161,950.06 crore, and its capital adequacy ratio improved to 17.41%.

Answer:<BR>The historical performance of Pun. & Sind Bank shows a significant improvement in various financial metrics over the years, particularly from March 2021 onwards.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2025, Pun. & Sind Bank reported interest earned of 11,481.30 crore, a notable increase from 9,693.98 crore in March 2024 and 7,992.73 crore in March 2023. This growth was driven by a rise in interest on advances, which reached 8,157.74 crore in March 2025, up from 6,951.24 crore in the previous year. The bank's net interest income also saw a substantial increase to 3,783.66 crore, compared to 2,841.04 crore in March 2024. Total income rose to 13,048.95 crore, reflecting a strong upward trend. However, interest expended also increased to 7,697.64 crore, leading to a profit before tax of 1,337.55 crore, up from 936.98 crore in the prior year. The profit after tax for March 2025 was 1,015.83 crore, an increase from 595.42 crore in March 2024. The bank's total assets grew to 161,950.06 crore, up from 147,744.00 crore in March 2024, while total liabilities also increased to 161,950.06 crore. The bank's capital adequacy ratio improved to 17.41%, and the provision coverage ratio stood at 91.38%. The number of branches and ATMs also increased, indicating an expansion in operations. Overall, the bank has shown resilience and growth in its financial performance over the years, particularly after a challenging period in 2021.

Is Pun. & Sind Bank technically bullish or bearish?

As of November 3, 2025, the market trend is mildly bearish due to daily moving averages and monthly indicators signaling bearishness, despite some mixed signals from weekly indicators.

As of 3 November 2025, the technical trend has changed from sideways to mildly bearish. The current technical stance is mildly bearish, driven primarily by the daily moving averages indicating a bearish outlook and the monthly MACD and KST both showing bearish signals. While the weekly MACD and KST are mildly bullish, they are overshadowed by the overall bearish sentiment from the monthly indicators. The RSI shows a bullish signal on the monthly timeframe but lacks a clear signal on the weekly. Overall, the mixed signals suggest a cautious approach, with the bearish indicators currently taking precedence.

Who are the top shareholders of the Pun. & Sind Bank?

The top shareholder of Pun. & Sind Bank is the President of India, holding 93.85% of the shares. Other shareholders include the Life Insurance Corporation of India (1.33%), individual investors (0.94%), 21 Foreign Institutional Investors (0.73%), and 7 mutual fund schemes (0.03%).

The top shareholders of Pun. & Sind Bank include the President of India, who holds a significant 93.85% of the shares, making it the largest stakeholder. Other notable shareholders include the Life Insurance Corporation of India, which holds 1.33%, and individual investors who collectively own 0.94%. Additionally, there are 21 Foreign Institutional Investors (FIIs) holding 0.73% and 7 mutual fund schemes with a combined holding of 0.03%.

Has Pun. & Sind Bank declared dividend?

Punjab & Sind Bank has declared a 2% dividend, amounting to ₹0.20 per share, with an ex-date of July 16, 2024. Recent total returns show significant volatility, with negative returns over the last year and six months, but positive trends in longer-term periods.

Punjab & Sind Bank has declared a 2% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2%<BR>- Amount per share: ₹0.20<BR>- Ex-date: 16 Jul 2024<BR><BR>Dividend Yield: 0.58%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -39.33%, the dividend return was 0%, resulting in a total return of -39.33%.<BR><BR>For the 1-year period, the price return was -44.65%, the dividend return was 0.33%, leading to a total return of -44.32%.<BR><BR>Over the 2-year period, the price return was 1.8%, the dividend return was 1.92%, culminating in a total return of 3.72%.<BR><BR>In the 3-year period, the price return was 115.72%, the dividend return was 6.38%, resulting in a total return of 122.1%.<BR><BR>For the 4-year period, the price return was 58.79%, the dividend return was 4.17%, leading to a total return of 62.96%.<BR><BR>In the 5-year period, the price return was 85.88%, the dividend return was 6.38%, culminating in a total return of 92.26%.<BR><BR>Overall, while Punjab & Sind Bank has declared a dividend, the recent total returns indicate significant volatility, particularly in the shorter periods, with negative returns over the last year and six months. However, longer-term returns show positive trends, suggesting potential recovery and growth in the future.