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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₹23.74 - ₹50.49
Previous CloseN/A
Volume309.10K
Average Volume (3M)257.99K
Market Cap
₹174.20B
Enterprise Value₹259.79B
Total Cash (Recent Filing)₹68.87B
Total Debt (Recent Filing)₹124.57B
Price to Earnings (P/E)14.6
Beta2.08
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 ProfitabilityPunjab & Sind Bank's income statement shows stronger profitability with improving net and gross margins and resilient EBITDA. Sustained margin improvement increases core earnings power, enables higher loan loss provisioning capacity, and supports long-term capital accumulation.
Solid Revenue Growth TrendRecent ~16.8% revenue growth and an upward top-line trend indicate expanding lending and fee income. Durable revenue expansion supports scale economics, diversifies income streams, and helps cover fixed costs, underpinning more predictable earnings over the medium term.
Improving Balance-Sheet StabilityA declining debt-to-equity ratio alongside a reasonable equity ratio suggests improving financial stability. Lower leverage reduces funding and solvency risk, increases capacity to absorb credit shocks, and gives management more flexibility to support lending or build reserves over time.
Bears Say
High Leverage / LiabilitiesThe balance sheet shows high total liabilities and leverage concerns, which raise funding and refinancing risk. Persistently elevated liabilities constrain strategic flexibility, magnify losses under stress, and require sustained profit or capital actions to reduce structural risk.
Inconsistent Cash GenerationOperating cash flow has been inconsistent with periods of negative free cash flow, undermining internal funding for loan growth, provisions, or dividends. Reliance on external financing in such periods increases liquidity and refinancing risk across the medium term.
Modest Return On EquityROE described as not exceptionally high limits the bank's ability to generate internal capital and deliver returns. In a capital-intensive banking model, modest ROE hampers reserve accumulation, reinvestment in the franchise, and competitive capital efficiency versus peers over time.
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 ₹23.74 and its highest was ₹50.49 in the past 12 months.
What is Punjab & Sind Bank Ltd.’s market cap?
Punjab & Sind Bank Ltd.’s market cap is ₹174.20B.
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 65 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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