Pun. & Sind Bank

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

Why is Punjab & Sind Bank falling/rising?

As of 06-Aug, Punjab & Sind Bank's stock price is rising to 23.94, driven by strong fundamentals and recent performance, despite a year-to-date decline. The stock's undervaluation relative to peers and consistent profit growth suggest potential for future gains, although recent investor participation has decreased.

As of 06-Aug, Punjab & Sind Bank's stock price is rising, currently at 23.94, with a change of 0.16 (0.67%) upwards. This increase can be attributed to several factors. Over the past week, the stock has outperformed the benchmark Sensex, gaining 4.13% compared to the Sensex's 1.32%. Additionally, the bank has demonstrated strong fundamentals, including a low Gross NPA ratio of 2.21% and a significant growth in net profits at a compound annual growth rate (CAGR) of 20.75%. <BR><BR>Moreover, the bank has reported positive results for the last nine consecutive quarters, with a remarkable growth in Profit Before Tax (PBT) of 1971.1% compared to the previous four-quarter average. Despite a year-to-date decline of 13.67% and a one-year drop of 15.53%, the stock's profits have increased by 25.5%, indicating a disconnect between stock performance and underlying profitability. The stock is also trading at a discount relative to its peers, with a PEG ratio of 0.5, suggesting it may be undervalued.<BR><BR>However, it is important to note that the stock has underperformed its sector today by 1.7%, and there has been a significant drop in investor participation, with delivery volume falling by 43.86% against the five-day average. While these factors could indicate potential challenges, the current rise in stock price reflects the market's recognition of the bank's strong long-term fundamentals and recent positive performance metrics.

Are Punjab & Sind Bank latest results good or bad?

Punjab & Sind Bank's latest results are mixed; while asset quality has improved with NPAs at 2.21% and net interest income rising to ₹1,038.70 crores, net profit fell by 21.41% quarter-on-quarter, raising concerns about earnings sustainability and resulting in a lower return on equity of 9.35%. Overall, the results suggest more challenges than positives for investors.

Punjab & Sind Bank's latest results present a mixed picture. On one hand, the bank has shown significant improvement in asset quality, with gross non-performing assets (NPAs) declining to 2.21%, the lowest level in recent quarters. This indicates effective management of legacy issues and a positive trend in credit quality.<BR><BR>However, the financial performance reveals challenges as well. The net profit for Q1 FY27 fell by 21.41% quarter-on-quarter to ₹331.51 crores, primarily due to increased tax provisions and a normalization of non-operating income. While the year-on-year growth in net profit is positive at 23.16%, the sequential decline raises concerns about the sustainability of earnings momentum.<BR><BR>Net interest income has improved, reaching a record high of ₹1,038.70 crores, up 6.56% from the previous quarter, which reflects healthy core banking operations. Yet, the overall profitability is under pressure, as evidenced by a return on equity (ROE) of just 9.35%, significantly below the peer average.<BR><BR>In summary, while Punjab & Sind Bank is making strides in asset quality and has shown growth in net interest income, the sharp decline in net profit and lower ROE indicate ongoing profitability challenges. This combination suggests that the latest results are more concerning than positive, particularly for investors focused on earnings sustainability.

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

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

The next results date for Punjab & Sind Bank is July 18, 2026.

The next results date for Punjab & Sind Bank is scheduled for July 18, 2026.

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

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.