Punjab & Sind Bank (PSB)
₹18.66
Mkt cap
₹13,240 Cr
P/E ratio
8.82
P/B
0.91
Div yield
2.09%
ROE
9.62%
ROCE
5.95%
EPS (TTM)
₹2.12
Book value
₹21
52W range
18–32
Sector
Financial Services
Price history
Previous close
Punjab & Sind Bank is engaged in the Business of Deposits,Loans & Advances and Remittances & Collections.
NSE PSBBSE 533295
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−42.51% from high₹19
₹18+3.67% from low₹32
Current
₹18.66
Prev close
₹18.98
Day
−1.69%
Price performance
1D
−1.63%
1W
+2.53%
1M
−11.56%
3M
−18.72%
6M
−25.41%
1Y
−39.93%
YTD
−36.51%
Financials
Revenue, profit & margin
P/E ratio
8.8×
PSB is 24% above the sector median of 7.1×
PSB8.8×
Sector median7.1×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,406 | 2,491 | 2,481 | 2,652 | 2,739 | 2,931 | 3,159 | 2,911 | 2,999 | 3,042 | 3,030 | 3,213 | 3,394 | |
| Interest | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 | 2,056 | 2,055 | 2,175 | 2,234 | |
| Expenses | 648 | 920 | 875 | 831 | 924 | 902 | 1,356 | 1,046 | 967 | 1,037 | 787 | 920 | 948 | |
| Financing Profit | 27 | -181 | -186 | 19 | -52 | 36 | -234 | -146 | -17 | -51 | 188 | 119 | 213 | |
| Financing Margin % | 1% | -7% | -8% | 1% | -2% | 1% | -7% | -5% | -1% | -2% | 6% | 4% | 6% | |
| Other Income | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 | 374 | 507 | 427 | 332 | 352 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 | 615 | 451 | 565 | |
| Tax % | 36% | 37% | 39% | 15% | 22% | 25% | 29% | 17% | 18% | 26% | 31% | 27% | 27% | |
| Net Profit | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 | 422 | 332 | 412 | |
| EPS in Rs | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.44 | 0.38 | 0.42 | 0.47 | 0.59 | 0.47 | 0.58 | |
| Gross NPA % | 6.23% | 5.70% | 5.43% | 4.72% | 4.21% | 3.83% | 3.38% | 3.34% | 2.92% | 2.60% | 2.40% | 2.21% | 2.09% | |
| Net NPA % | 1.88% | 1.80% | 1.63% | 1.59% | 1.46% | 1.25% | 0.96% | 0.91% | 0.83% | 0.74% | 0.79% | 0.65% | 0.61% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.31% · closed higher next day 22 of last 58
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 31 Jan '24◦ | 10 May '24◦ | 26 Jul '24◦ | 19 Oct '24◦ | 15 Jan '25◦ | 29 Apr '25◦ | 19 Jul '25◦ | 16 Oct '25◦ | 17 Jan '26◦ | 27 Apr '26◦ | 18 Jul '26◦ | 17 Oct '26◦ |
| Earnings day | +6.69% | −3.77% | +0.96% | −1.60% | +6.91% | −2.08% | −0.96% | −2.12% | −2.62% | −2.41% | +0.28% | −0.09% |
| +1 day | +28.02% | −1.75% | −2.15% | −7.19% | +6.31% | −3.01% | −2.60% | +1.82% | −6.00% | −2.61% | −0.16% | −2.16% |
| +5 days | +39.43% | +6.65% | −10.70% | −8.25% | +2.92% | −9.49% | −8.36% | +4.43% | −6.07% | −0.70% | −3.55% | −7.94% |
| +15 days | +32.65% | +14.01% | −11.03% | −4.57% | +3.26% | +0.79% | −12.86% | +0.46% | −4.31% | −8.40% | −4.44% | — |
| +30 days | +14.75% | +4.90% | −18.60% | +2.98% | −9.10% | +5.62% | −10.66% | −5.89% | −13.94% | −8.95% | −7.59% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Re 0.39 Per Share | — | 21 Jul '26 | 21 Jul '26 |
Shareholding
as of Sep 202693.85%Promoter
Promoters93.85%
FIIs0.12%0.02
DIIs3.79%0.02
Public2.24%0.03
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| SBI | ₹961.85 | 10.57 | 8,87,861 | 1.80% | 25,121 | +13.73% | 1,36,240 | +8.36% | 6.13% |
| Union Bank (I) | ₹186.00 | 6.45 | 1,41,985 | 2.69% | 5,781 | +30.62% | 28,378 | +8.29% | 6.30% |
| Punjab Natl.Bank | ₹122.85 | 6.18 | 1,41,191 | 2.44% | 5,918 | +15.08% | 35,267 | +8.47% | 6.13% |
| Bank of Baroda | ₹238.60 | 5.21 | 1,23,389 | 3.56% | 6,792 | +31.24% | 37,021 | +11.11% | 5.63% |
| Indian Bank | ₹865.50 | 8.82 | 1,16,580 | 2.11% | 3,541 | +13.92% | 19,149 | +15.16% | 6.32% |
| Canara Bank | ₹117.54 | 5.23 | 1,06,616 | 3.57% | 5,383 | +10.96% | 35,162 | +9.63% | 6.52% |
| Bank of Maha | ₹81.36 | 7.82 | 62,578 | 2.70% | 2,136 | +28.04% | 8,606 | +20.73% | 6.03% |
| Pun. & Sind Bank | ₹18.66 | 8.82 | 13,240 | 2.09% | 412 | +39.88% | 3,394 | +13.19% | 5.95% |
| Median: 12 Co. | ₹120.19 | 7.13 | 84,597 | 2.56% | 3,426 | +27.41% | 20,259 | +12.32% | 6.05% |
Filings
Annual reports15
Concall transcripts53
TranscriptOct 2026PPTOct 2026RECOct 2026PPTSep 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025PPTMar 2025PPTMar 2025TranscriptJan 2025PPTJan 2025RECJan 2025
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 27 Oct - Punjab & Sind Bank shared Q2 FY27 results, business growth, asset quality improvement, capital plans, and digital initiatives.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 19 Oct - Punjab & Sind Bank shared audio recording of its October 19, 2026 analyst meet on Q2/H1 results.Announcement under Regulation 30 (LODR)-Newspaper Publication 19 Oct - Publication of Reviewed Unaudited Financial Results of the Bank for the Quarter (Q2) / Half Year ended September 30, 2026.Announcement under Regulation 30 (LODR)-Investor Presentation 17 OctAnnouncement under Regulation 30 (LODR)-Press Release / Media Release 17 Oct - Punjab & Sind Bank reported Q2 FY27 net profit of ₹412 crore, up 39.66% YoY.