ScoreWhy is Punjab & Sind Bank ?
1
The Bank has a high Capital Adequacy Ratio of 15.07% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 19.96%
3
The company has declared Positive results for the last 8 consecutive quarters
- GROSS NPA(Q) Lowest at 2.40%
- CREDIT DEPOSIT RATIO(HY) Highest at 79.48%
- PBT LESS OI(Q) Highest at Rs 188.08 cr.
4
With ROA of 0.7, it has a Attractive valuation with a 1.2 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -19.43%, its profits have risen by 30.1% ; the PEG ratio of the company is 0.5
5
Despite the size of the company, domestic mutual funds hold only 1.86% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
6
Below par performance in long term as well as near term
- Along with generating -19.43% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Pun. & Sind Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Pun. & Sind Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Pun. & Sind Bank
-19.43%
-0.63
30.80%
Sensex
-8.06%
-0.61
13.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.22%
Net Profit Growth (5y)
19.96%
Advance to Deposit
71.22%
Capital Adequacy Ratio (Tier 1)
15.07%
Gross NPA (latest)
2.40%
Gross NPA (avg)
6.07%
Coverage Ratio (avg)
73.09%
Cost to Income (avg)
63.98%
Net Interest Margin (avg)
2.52%
Operating Profit to Assets (avg)
3.30%
ROA (avg)
0.72%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Price to Book Value
1.21
PEG Ratio
0.53
Dividend Yield
NA
ROE (Latest)
9.35%
ROA (Latest)
0.74%
Net NPA to Book Value
6.50
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
GROSS NPA(Q)
Lowest at 2.40%
CREDIT DEPOSIT RATIO(HY)
Highest at 79.48%
PBT LESS OI(Q)
Highest at Rs 188.08 cr.
PAT(Q)
Highest at Rs 421.83 cr.
EPS(Q)
Highest at Rs 0.59
-4What is not working for the Company
NON-OPERATING INCOME(Q)
is 69.44 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Pun. & Sind Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 188.08 cr has Grown at 268.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -111.99 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.40% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 79.48% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 188.08 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 421.83 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 421.83 cr has Grown at 39.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 303.22 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.59
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 69.44 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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