Punjab & Sind Bank, Fundamental analysis

Industry Industry name	Banks
Variance Full Year Net Profit Variance	30
Equity Latest Equity	7095.59
Face Value Latest Face Value	10
Reserves Total Reserve	6387.71
Dividend Full Year Dividend %	4
Sales Turnover Full Year Net Sales	13759.3
Net Profit Full Year Net Profit	1321.93
Full Year CPS Full Year Cash Per Share	2.1
Earning Per Share Full Year Earning Per Share	1.9
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Sep 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	3746.52
Previous EPS Previous earnings per share	0
Book Value Book value	19
Networth Full Year Return on Networth	10.42
Price/Book Value Price to Book value	1.052632
Yearly PE ratio Full Year Price to Earning per share	10.7
Yearly PC ratio Full Year Price to Cash Per Share	9.5
Bse value BSE Value in lakhs	30.48
Nse value NSE Value in lakhs	296.56
High 52 week high	31
Low 52 week low	18
Price NSE Current market price	20
CPM Current market price	20

Market cap BSE / NSE Market Cap	14106.02
Net profit Latest Quarter Net Profit	411.97
Net profit variance Latest Quarter Net Profit variance	40
Result year Trailing latest month	Sep 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	11690.81
TTM OP Trailing Twelve 12 month Operating Profit	8140.06
TTM OPM Trailing Twelve 12 month Operating Profit Margin	69.63
TTM GP Trailing Twelve 12 month Gross Profit	2088.75
TTM GPM Trailing Twelve 12 month Gross Profit Margin	14.61
TTM NP Trailing Twelve 12 month Net Profit	674.75
TTM NPV Trailing Twelve 12 month Net Profit Variane	29.64
TTM EPS Trailing Twelve 12 month EPS	2.12
TTM PE Trailing Twelve 12 month PE	9.38
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	7095.59
LTP Latest Price (BSE/NSE)	20
Gross block Latest Gross Block	3072.73
Loans Total loans	145829.01
Advances Latest Advances for Banks	115911.74
Net profit asset Latest Assets	919.19
Year OPM Full Year Operating Profit Margin	73.4
Year GPM Full Year Gross Profit Margin	14
Quarter OPM Latest quater Operation Profit Margin	74.7

	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
+ Sales	2,931	3,159	2,911	2,999	3,042	3,030	3,213	3,394
YOY Sales Growth %	18%	27%	10%	9%	4%	-4%	10%	13%
Gross Sales	2,931	3,159	2,911	2,999	3,042	3,030	3,213	3,394
+ Expenses	902	1,356	1,046	967	1,037	787	920	948
Manufacturing Cost %	10%	11%	10%	11%	11%	12%	10%	12%
Employee Cost %	17%	20%	18%	16%	18%	16%	15%	15%
Other Cost %	4%	12%	7%	5%	5%	-2%	3%	2%
Other Manufacturing Expenses %	10%	11%	10%	11%	11%	12%	10%	12%
Provisions & Contingencies %	4%	12%	7%	5%	5%	-2%	3%	2%
Operating Profit	2,029	1,803	1,865	2,032	2,005	2,243	2,294	2,447
OPM %	69%	57%	64%	68%	66%	74%	71%	72%
+ Other Income	338	677	469	374	507	427	332	352
Miscellaneous Income	338	677	469	374	507	427	332	352
Interest / Discount on Advances or Bills	2,104	2,331	2,056	2,149	2,198	2,178	2,349	2,491
Interest on Investments	801	812	819	835	828	827	847	863
Interest on Balances with RBI	6	5	5	3	4	4	5	6
Other Interest	19	12	32	11	12	21	12	35
Interest	1,992	2,037	2,010	2,049	2,056	2,055	2,175	2,234
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	375	442	323	357	456	615	451	565
+ Tax %	25%	29%	17%	18%	26%	31%	27%	27%
Current Tax	93	130	54	63	120	194	120	153
Net Profit	282	313	269	295	336	422	332	412
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	11,481	11,982
Sales Growth %		-3%	8%	-7%	-12%	2%	13%	21%	18%	4%
Gross Sales	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	11,481	11,982
+ Expenses	2,487	3,411	3,967	4,477	6,570	2,424	2,294	3,126	4,014	3,837
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	1%
Employee Cost %	12%	14%	14%	15%	24%	21%	19%	20%	18%	17%
Other Cost %	18%	29%	32%	41%	70%	13%	9%	12%	16%	14%
Other Manufacturing Expenses %	0%	0%	0%	0%	0%	0%	0%	0%	0%	1%
Selling & Administration %	3%	3%	3%	3%	4%	4%	5%	4%	4%	4%
Miscellaneous Expenses %	16%	25%	29%	37%	64%	7%	2%	6%	11%	9%
Provisions & Contingencies %	12%	22%	26%	33%	60%	1%	-2%	2%	6%	4%
Operating Profit	5,686	4,538	4,592	3,452	404	4,672	5,699	6,568	7,468	8,145
OPM %	70%	57%	54%	44%	6%	66%	71%	68%	65%	68%
+ Other Income	578	581	828	897	904	959	940	1,221	1,568	1,778
Miscellaneous Income	578	581	828	897	880	855	940	1,221	1,568	1,778
Interest / Discount on Advances or Bills	5,681	5,232	6,030	5,774	4,865	4,778	5,502	6,951	8,158	8,581
Interest on Investments	2,256	2,451	2,298	1,990	1,874	2,095	2,359	2,656	3,225	3,309
Interest on Balances with RBI	44	117	60	37	114	118	31	22	17	16
Other Interest	192	149	171	128	121	104	100	65	82	76
Interest	6,014	5,714	6,279	5,872	4,712	4,445	5,019	6,853	7,698	8,170
Depreciation	0	64	-15	54	102	137	148	150	145	177
Profit before tax	250	-595	-859	-1,522	-3,404	1,187	1,620	937	1,338	1,752
+ Tax %	0%	-25%	37%	35%	20%	12%	19%	36%	24%	25%
Current Tax	0	520	204	106	-106	0	-17	118	0	259
Deferred Tax	0	-371	-520	-637	-566	148	324	224	322	172
+ Net Profit	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016	1,322
Profit Growth %		-470%	-27%	82%	176%	-138%	26%	-55%	71%	30%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	400	565	565	701	4,053	6,778	6,778	6,778	7,096	7,096
Reserves	5,742	5,618	5,136	4,895	4,310	7,233	8,331	8,756	6,259	7,037
+ Borrowings	88,499	105,409	101,272	92,881	98,752	104,581	118,684	129,180	144,004	162,181
Secured Borrowings	2,958	3,683	2,714	3,213	2,644	2,444	9,018	9,771	14,230	16,352
Unsecured Borrowings	85,540	101,726	98,558	89,668	96,108	102,137	109,665	119,410	129,774	145,829
+ Other Liabilities	2,002	2,167	2,009	2,027	3,367	2,476	2,662	2,943	4,457	2,957
Current Liabilities	2,054	2,231	2,091	2,119	3,454	2,567	2,745	3,030	4,549	3,047
Total Liabilities	96,643	113,759	108,982	100,504	110,482	121,068	136,455	147,657	161,815	179,270
+ Fixed Assets	1,095	1,083	1,230	1,241	1,585	1,577	1,519	1,756	1,798	1,862
Gross Block	1,477	1,526	1,604	1,663	2,099	2,209	2,280	2,658	2,839	3,073
Accumulated Depreciation	382	443	374	422	514	632	760	902	1,041	1,211
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	27,949	32,982	26,173	24,552	32,023	42,281	44,838	49,599	46,912	49,388
+ Other Assets	67,600	79,695	81,579	74,711	76,874	77,209	90,097	96,302	113,105	128,020
Cash Equivalents	4,590	7,133	6,618	9,578	8,339	6,288	6,297	7,383	8,820	6,299
Loans n Advances	63,062	72,626	75,043	65,225	68,621	71,011	83,883	89,006	104,377	121,811
Other asset items	-52	-64	-82	-92	-86	-90	-83	-87	-92	-90
Total Assets	96,643	113,759	108,982	100,504	110,482	121,068	136,455	147,657	161,815	179,270

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-495	1,063	-97	2,210	-5,848	-5,999	1,428	1,746	-2,294	-1,893
Profit Before Tax & Extraordinary Items	201	-744	-543	-991	-2,733	1,039	1,313	595	1,016	1,322
Depreciation	62	154	107	41	102	137	148	150	145	177
Interest (Net)	134	253	256	235	244	231	117	106	171	338
Profit / Loss on Sale of Assets	0	0	-10	-1	0	0	-2	0	0	0
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	0	-57	115
Provisions & Write-offs (Net)	1,021	1,798	1,819	2,100	3,505	291	137	536	1,059	860
Loans & Advances	4,524	-9,935	-4,622	8,402	-5,318	-3,709	-12,876	-5,779	-15,157	-18,746
Change in Borrowing	-231	-275	-869	337	-370	100	7,575	752	1,459	2,123
Change in Deposits	-5,710	16,186	-3,169	-8,890	6,441	6,029	7,528	9,744	10,364	16,055
Direct Taxes Paid	0	-239	-222	-362	-224	854	-149	-342	0	0
Advance Tax Paid	0	0	0	0	0	0	0	0	662	-281
+ Cash from Investing Activity	-33	-51	-61	-63	-446	-121	-88	-229	-168	-241
Purchase of Fixed Assets	-33	-51	-71	-64	-446	-121	-90	-229	-168	-241
Sale of Fixed Assets	0	0	10	1	0	0	2	0	0	0
+ Cash from Financing Activity	216	1,531	-356	814	5,055	4,068	-1,332	-431	3,898	-387
Proceeds from Issue of Shares	0	785	0	887	5,500	4,600	0	0	1,219	1
Proceeds from Issue of Debentures	0	1,000	0	0	0	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	0	0	0	737	0	0	0	0	3,000	0
Repayment of Long-Term Borrowings	0	0	-100	-575	-200	-300	-1,000	0	0	0
Dividend Paid	0	0	0	0	0	0	-210	-325	-136	-50
Others	350	-1	0	-1	0	0	-5	0	-15	0
Net Cash Flow	-313	2,543	-514	2,960	-1,239	-2,051	9	1,086	1,437	-2,521