ScoreWhy is Punjab & Sind Bank ?
1
Strong lending practices with low Gross NPA ratio of 2.21%
2
Strong Long Term Fundamental Strength with a 20.75% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 20.75%
4
The company has declared Positive results for the last 9 consecutive quarters
- PBT LESS OI(Q) At Rs 119.14 cr has Grown at 1971.1% (vs previous 4Q average)
- GROSS NPA(Q) Lowest at 2.21%
- PAT(Latest six months) At Rs 753.34 cr has Grown at 29.45%
5
With ROA of 0.8, it has a Very 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 -16.37%, its profits have risen by 25.5% ; the PEG ratio of the company is 0.5
6
Majority shareholders : Promoters
7
Below par performance in long term as well as near term
- Along with generating -16.37% 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
-16.37%
-0.54
30.44%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.61%
Net Profit Growth (5y)
20.75%
Advance to Deposit
71.38%
Capital Adequacy Ratio (Tier 1)
14.98%
Gross NPA (latest)
2.21%
Gross NPA (avg)
5.68%
Coverage Ratio (avg)
72.84%
Cost to Income (avg)
64.33%
Net Interest Margin (avg)
2.50%
Operating Profit to Assets (avg)
3.26%
ROA (avg)
0.73%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.16
PEG Ratio
0.48
Dividend Yield
1.25%
ROE (Latest)
9.46%
ROA (Latest)
0.77%
Net NPA to Book Value
5.23
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PBT LESS OI(Q)
At Rs 119.14 cr has Grown at 1971.1% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 2.21%
PAT(Latest six months)
At Rs 753.34 cr has Grown at 29.45%
CREDIT DEPOSIT RATIO(HY)
Highest at 79.81%
NII(Q)
Highest at Rs 1,038.70 cr
INTEREST EARNED(Q)
Highest at Rs 3,213.37 cr
PBDIT(Q)
Highest at Rs 213.13 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 6.63%
NET NPA(Q)
Lowest at 0.65%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 73.61 % 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 119.14 cr has Grown at 1971.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -6.37 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.21% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,038.70 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit After Tax (PAT) - Latest six months
At Rs 753.34 cr has Grown at 29.45%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 79.81% 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 (%)
Interest Earned - Quarterly
Highest at Rs 3,213.37 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 213.13 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 6.63%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Net NPA - Quarterly
Lowest at 0.65%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 73.61 % 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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