Punjab & Sind Bank Ltd. (IN:PSB)
:PSB
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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₹20.46 - ₹33.55
Previous CloseN/A
Volume309.10K
Average Volume (3M)257.99K
Market Cap
₹166.18B
Enterprise Value₹270.68B
Total Cash (Recent Filing)₹60.71B
Total Debt (Recent Filing)₹125.36B
Price to Earnings (P/E)13.0
Beta1.95
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.26%
Share Statistics
EPS (TTM)1.69
Shares Outstanding7,095,585,400
10 Day Avg. Volume132,905
30 Day Avg. Volume257,994
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)1.04
Price to Sales (P/S)1.07
P/FCF Ratio4.39
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
Profitability RecoverySustained return to profitability across FY2024–FY2026 indicates the bank rebuilt earnings power after prior losses. Durable profits improve retained capital, support loan growth and provisioning capacity, and reduce reliance on capital raises, strengthening long-term solvency and operational optionality.
Balance Sheet Growth & Improving ROESteady asset growth alongside a recovering ROE signals the bank can scale franchise economics and generate returns on incremental lending. Over time this aids deposit mobilization, supports credit extension, and provides a structural basis for sustainable earnings if credit quality is maintained.
Broad Retail/Corporate DistributionA mix of branch and digital distribution across retail, corporate and government clients creates diversified deposit and fee sources. This multi-channel model supports cross-sell, recurring deposit funding, and resilient fee income streams, which underpin durable net interest and non-interest income generation.
Bears Say
Volatile Cash GenerationErratic operating and free cash flows reduce predictability for capital allocation, dividend policy, and loan growth. Persistent volatility forces greater liquidity buffers or external funding, constraining strategic investment and increasing sensitivity to adverse cycles over the medium term.
Rising LeverageMaterial increase in debt and higher leverage raise funding risk and magnify earnings sensitivity to margin compression or credit losses. Higher leverage limits balance-sheet flexibility, could pressure regulatory ratios, and makes the bank more vulnerable if earnings or asset quality deteriorate.
Top-line Weakness In FY2026A sudden revenue drop after prior expansion threatens the durability of the earnings recovery. Weakening top-line can erode margins, tighten provisioning capacity, and force cost actions or riskier lending to restore growth, increasing structural execution risk over the coming quarters.
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 ₹20.46 and its highest was ₹33.55 in the past 12 months.
What is Punjab & Sind Bank Ltd.’s market cap?
Punjab & Sind Bank Ltd.’s market cap is ₹166.18B.
When is Punjab & Sind Bank Ltd.’s upcoming earnings report date?
Punjab & Sind Bank Ltd.’s upcoming earnings report date is Jul 24, 2026 which is in 40 days.
How were Punjab & Sind Bank Ltd.’s earnings last quarter?
Punjab & Sind Bank Ltd. released its earnings results on Apr 27, 2026. The company reported ₹0.59 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.59.
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 ₹0.59 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 3.302%.
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, an Indian financial institution established in New Delhi in 1908, offers a comprehensive range of banking and financial services throughout the country. Its operations are divided into four primary areas: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Customers can access various deposit accounts, including savings, current, recurring, and fixed deposits. The bank provides an extensive array of lending products such as home, auto, education, personal, doctor, mortgage, business, and gold loans, in addition to specialized schemes like Sukhmoney for senior citizens and overdraft facilities. Beyond standard credit, Punjab & Sind Bank offers numerous non-fund-based services, including letters of credit, bank guarantees, co-acceptance facilities, solvency certificates, credit reports, and debt restructuring. Supplementary services include locker facilities, government-sponsored programs, and both life and general insurance products. The bank prioritizes digital accessibility, providing internet and mobile banking, SMS alerts, Aadhaar seeding, point-of-sale services, UPI, RTGS, NEFT, ATM/debit cards, and online payment solutions. For international clients, it offers NRI schemes, export/import services, foreign exchange treasury operations, and resident facilities, alongside dedicated products for micro and small enterprises. With a substantial presence, Punjab & Sind Bank manages its network of 1,530 branches through 24 zonal offices.
Technical Analysis
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Indian Bank
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Union Bank of India Limited
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