Punjab & Sind Bank Ltd. (IN:PSB)
:PSB
PSB Stock Chart & Stats
₹29.37
-₹0.33(-0.70%)
At close: 4:00 PM EST
₹29.37
-₹0.33(-0.70%)
Day’s Range― - ―
52-Week Range₹21.26 - ₹46.42
Previous CloseN/A
Volume309.10K
Average Volume (3M)257.99K
Market Cap
₹162.35B
Enterprise Value₹246.94B
Total Cash (Recent Filing)₹60.71B
Total Debt (Recent Filing)₹125.36B
Price to Earnings (P/E)14.6
Beta1.93
Next Earnings
May 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.26%
Share Statistics
EPS (TTM)0.47
Shares Outstanding7,095,585,400
10 Day Avg. Volume132,905
30 Day Avg. Volume257,994
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.75
Price to Sales (P/S)1.79
P/FCF Ratio-43.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving Profitability And MarginsPunjab & Sind Bank's sustained improvement in gross and net margins and resilient EBIT/EBITDA margins signal stronger core profitability. Durable margin expansion supports internal capital generation for lending and technology, improves shock absorption through credit cycles, and enhances long-term earnings quality.
Solid Top-line And EPS Growth TrendDouble-digit revenue growth coupled with strong EPS expansion indicates the bank is growing loan and fee businesses while converting revenues to earnings efficiently. Persistent revenue and earnings momentum over months supports balance-sheet strengthening and reinvestment without reliance on short-term market moves.
Improving Leverage Metrics And Asset GrowthA falling debt-to-equity ratio and a reasonable equity base alongside asset growth improve financial flexibility and regulatory capital headroom. Reduced leverage lowers refinancing and solvency risk, enabling steadier credit growth and healthier capital allocation over the medium term.
Bears Say
High Total Liabilities / Leverage RiskThe bank's elevated total liabilities raise sensitivity to funding stress and interest rate shifts. Persistent high liabilities can constrain liquidity management, increase rollover risk, and force higher reliance on wholesale funding, which may limit sustainable loan growth and capital deployment over months.
Inconsistent Operating Cash Flow And FCFPeriods of negative or volatile free cash flow and uneven operating cash generation weaken the bank's ability to self-fund lending, capital expenditures, and buffers for credit losses. Over several months this raises refinancing needs, reliance on external funding, and constrains strategic investments.
Leverage Concerns May Cap Returns And StabilityDespite solid profit metrics, leverage concerns and a not-exceptional ROE suggest limits on sustainable shareholder returns. Structural balance-sheet constraints can force higher provisions or capital raising, reducing flexibility to expand high-return lending and dampening durable profitability improvements.
Punjab & Sind Bank Ltd. News
PSB FAQ
What was Punjab & Sind Bank Ltd.’s price range in the past 12 months?
Punjab & Sind Bank Ltd. lowest stock price was ₹21.26 and its highest was ₹46.42 in the past 12 months.
What is Punjab & Sind Bank Ltd.’s market cap?
Punjab & Sind Bank Ltd.’s market cap is ₹162.35B.
When is Punjab & Sind Bank Ltd.’s upcoming earnings report date?
Punjab & Sind Bank Ltd.’s upcoming earnings report date is May 15, 2026 which is in 49 days.
How were Punjab & Sind Bank Ltd.’s earnings last quarter?
Punjab & Sind Bank Ltd. released its earnings results on Jan 17, 2026. The company reported ₹0.474 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.474.
Is Punjab & Sind Bank Ltd. overvalued?
According to Wall Street analysts Punjab & Sind Bank Ltd.’s price is currently Overvalued.
Does Punjab & Sind Bank Ltd. pay dividends?
Punjab & Sind Bank Ltd. pays a Annually dividend of ₹0.07 which represents an annual dividend yield of 0.26%. See more information on Punjab & Sind Bank Ltd. dividends here
What is Punjab & Sind Bank Ltd.’s EPS estimate?
Punjab & Sind Bank Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Punjab & Sind Bank Ltd. have?
Punjab & Sind Bank Ltd. has 7,095,585,400 shares outstanding.
What happened to Punjab & Sind Bank Ltd.’s price movement after its last earnings report?
Punjab & Sind Bank Ltd. reported an EPS of ₹0.474 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.232%.
Which hedge fund is a major shareholder of Punjab & Sind Bank Ltd.?
Currently, no hedge funds are holding shares in IN:PSB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Punjab & Sind Bank Ltd.
Punjab & Sind Bank provides various banking and financial products and services in India. It operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, business, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. It also provides non fund based products, including letter of credit, LC advising/confirming, bank guarantee, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, the company offers locker facility, government schemes, and life and general insurance; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. It operates through 24 zonal offices comprising 1530 branches. Punjab & Sind Bank was incorporated in 1908 and is headquartered in New Delhi, India.
Technical Analysis
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