ScoreWhy is Punjab & Sind Bank ?
1
Despite the size of the company, domestic mutual funds hold only 1.87% 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
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Pun. & Sind Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Pun. & Sind Bank
-48.31%
-1.09
44.13%
Sensex
4.32%
0.45
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.11%
Net Profit Growth (5y)
25.77%
Advance to Deposit
67.75%
Capital Adequacy Ratio (Tier 1)
14.27%
Gross NPA (latest)
2.92%
Gross NPA (avg)
7.51%
Coverage Ratio (avg)
72.99%
Cost to Income (avg)
66.00%
Net Interest Margin (avg)
2.55%
Operating Profit to Assets (avg)
3.32%
ROA (avg)
0.26%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Price to Book Value
1.47
PEG Ratio
0.27
Dividend Yield
NA
ROE (Latest)
8.50%
ROA (Latest)
0.70%
Net NPA to Book Value
6.26
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
GROSS NPA(Q)
Lowest at 2.92%
PAT(Latest six months)
At Rs 563.68 cr has Grown at 33.86%
NET NPA(Q)
Lowest at 0.83%
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 67,793.60 cr
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 104.76 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Pun. & Sind Bank
Gross NPA - Quarterly
Lowest at 2.92% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.83% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Profit After Tax (PAT) - Latest six months
At Rs 563.68 cr has Grown at 33.86%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 67,793.60 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 104.76 % 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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