Punjab & Sind Bank Ltd. (IN:PSB)
:PSB
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Punjab & Sind Bank Ltd.
(PSB)
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Rating:65Neutral
Price Target:
₹24.50
▼(-16.58% Downside)
Action:ReiteratedDate:10/16/25
Punjab & Sind Bank Ltd. has a balanced stock profile with a score of 65. The most significant factor is its financial performance, which shows strong profitability but also highlights leverage concerns. Technical analysis indicates moderate bullish momentum, while valuation suggests the stock is fairly priced. The absence of earnings call and corporate events data means these factors do not influence the score.
Positive Factors
Improving profitability and margins
Punjab & 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.
Negative Factors
High total liabilities / leverage risk
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and margins
Punjab & 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.
Read all positive factors
Punjab & Sind Bank Ltd. (PSB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹162.35B
Dividend Yield0.26%
Average Volume (3M)257.99K
Price to Earnings (P/E)14.6
Beta (1Y)1.93
Revenue Growth18.54%
EPS Growth67.80%
CountryIN
Employees8,735
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Punjab & Sind Bank Ltd. Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
PSB primarily makes money through a combination of (1) interest-based income and (2) non-interest (fee and other) income. Interest-based income is driven mainly by lending activities: the bank earns interest on loans and advances (such as retail l...
Punjab & Sind Bank Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 138.88B | 130.79B | 105.62B | 89.05B | 81.07B | 77.75B |
| Gross Profit | 44.75B | 53.81B | 37.09B | 38.86B | 36.63B | 30.63B |
| EBITDA | 14.97B | 14.83B | 10.87B | 17.68B | 13.24B | -33.02B |
| Net Income | 11.58B | 10.16B | 5.95B | 13.13B | 10.39B | -27.33B |
Balance Sheet | ||||||
| Total Assets | 1.65T | 1.62T | 1.48T | 1.36T | 1.21T | 1.10T |
| Cash, Cash Equivalents and Short-Term Investments | 60.71B | 101.89B | 73.83B | 62.97B | 90.47B | 116.57B |
| Total Debt | 125.36B | 118.80B | 106.37B | 90.18B | 24.44B | 26.44B |
| Total Liabilities | 1.52T | 1.48T | 1.32T | 1.21T | 1.07T | 1.02T |
| Stockholders Equity | 136.34B | 133.55B | 155.33B | 151.09B | 140.11B | 83.63B |
Cash Flow | ||||||
| Free Cash Flow | -84.63B | -5.33B | 26.07B | 1.34T | -61.19B | -62.94B |
| Operating Cash Flow | -83.95B | -3.65B | 28.36B | 1.43T | -59.99B | -58.48B |
| Investing Cash Flow | -677.80M | -126.31B | -2.29B | -881.60M | -1.21B | -4.46B |
| Financing Cash Flow | 57.14B | 144.33B | 93.10B | 61.97B | 40.68B | 50.55B |
Punjab & Sind Bank Ltd. Technical Analysis
Negative
29.37
Price Trends
26.09
Negative
27.50
Negative
28.84
Negative
Market Momentum
-1.14
Positive
39.31
Neutral
29.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PSB, the sentiment is Negative. The current price of 29.37 is above the 20-day moving average (MA) of 24.11, above the 50-day MA of 26.09, and above the 200-day MA of 28.84, indicating a bearish trend. The MACD of -1.14 indicates Positive momentum. The RSI at 39.31 is Neutral, neither overbought nor oversold. The STOCH value of 29.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:PSB.
Punjab & Sind Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹275.32B | 9.24 | ― | 0.86% | 13.61% | 16.82% | |
74 Outperform | ₹85.58B | 6.68 | ― | 2.42% | ― | ― | |
69 Neutral | ₹187.69B | 16.23 | ― | 0.69% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹162.35B | 14.60 | ― | 0.26% | 18.54% | 67.80% | |
58 Neutral | ₹187.78B | 21.28 | ― | 0.33% | 6.67% | -54.96% | |
52 Neutral | ₹247.20B | 28.48 | ― | 1.00% | 6.70% | -55.95% |
* Financial Sector Average
IN:PSB
Punjab & Sind Bank Ltd.
22.88
-21.62
-48.58%
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Punjab & Sind Bank Ltd. Corporate Events
Infomerics Reaffirms IVR AA/Stable Rating on Punjab & Sind Bank’s Tier II Bonds
Feb 27, 2026
Punjab Sind Bank announced that Infomerics Ratings has reaffirmed its IVR AA/Stable rating on the bank’s Rs 237.30 crore Basel III-compliant Tier II bonds. The affirmation reflects the bank’s sovereign backing, adequate capitalisation...
Punjab & Sind Bank Warns of Possible Service Disruptions Amid Union Strike Call
Jan 26, 2026
Punjab Sind Bank has disclosed that the United Forum of Bank Unions has given notice of a nationwide bank strike planned for Tuesday, January 27, 2026, over various issues and demands. The bank stated it is taking necessary measures to ensure the...
Punjab & Sind Bank Convenes EGM, Submits Proceedings and Voting Results to Exchanges
Jan 21, 2026
Punjab Sind Bank held an Extraordinary General Meeting (EGM) of its shareholders on January 21, 2026, conducted via video conferencing and other audio-visual means, with the deemed venue at its New Delhi head office. The meeting, chaired by Manag...
Punjab & Sind Bank Corrects Segmental Credit Growth Figures in Q3 Investor Presentation
Jan 17, 2026
Punjab Sind Bank has announced a revision to an investor presentation related to its reviewed financial results for the quarter ended 31 December 2025, correcting previously misreported year-on-year segmental credit growth figures. The bank clari...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.