Punjab & Sind Bank Ltd. (PSB) AI Stock Analysis

• Market Cap: ₹214.78B
• Dividend Yield: 0.23%
• Average Volume (3M): 257.99K
• Price to Earnings (P/E): 18.1
• Beta (1Y): 2.20
• Revenue Growth: 18.54%
• EPS Growth: 67.80%
• Country: IN
• Employees: 8,735
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 7,095,585,400
• 10 Day Avg. Volume: 132,905
• 30 Day Avg. Volume: 257,994
• PEG Ratio: 0.33
• Price to Book (P/B): 1.75
• Price to Sales (P/S): 1.79
• P/FCF Ratio: -43.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: ₹32.00 ▲(6.03% Upside)

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

Revenue Growth

The upward trend in revenue growth indicates expanding market presence and increased demand for the bank's services, which can enhance long-term profitability and market position.

Profitability

Consistent and improving profit margins reflect strong operational efficiency and cost management, which are crucial for sustaining long-term profitability and competitiveness.

Balance Sheet Stability

A declining debt-to-equity ratio indicates better financial health and reduced leverage risk, providing the bank with more flexibility to invest in growth opportunities.

Negative Factors

Leverage Concerns

High liabilities can strain the bank's financial stability, limiting its ability to respond to economic changes and invest in strategic initiatives, potentially impacting long-term growth.

Cash Flow Issues

Inconsistent cash flow can hinder the bank's ability to fund operations and growth initiatives, posing a risk to financial stability and operational efficiency over the long term.

Inconsistent Cash Flow

Inconsistent operating cash flow suggests challenges in converting revenue into cash, which can impact the bank's ability to meet obligations and invest in future growth.

Punjab & Sind Bank Ltd. Business Overview & Revenue Model

Company Description

Punjab & Sind Bank Ltd. (PSB) is a public sector bank in India, engaged in providing a wide range of banking and financial services. Founded in 1908, the bank operates primarily in the commercial banking sector, offering products such as savings and current accounts, fixed deposits, loans, and credit facilities. PSB serves individuals, small businesses, and corporate clients, and it is known for its strong focus on customer service and community banking.

How the Company Makes Money

Punjab & Sind Bank Ltd. generates revenue primarily through interest income from its loan and credit offerings, including personal loans, home loans, business loans, and agricultural loans. Additionally, the bank earns income from service charges and fees on various banking services such as account maintenance, transaction processing, and advisory services. PSB also invests in government securities and other financial instruments, which contribute to its non-interest income. The bank's strategic partnerships with financial institutions and collaborations with government schemes further enhance its revenue streams.

Punjab & Sind Bank Ltd. Financial Statement Overview

Summary

Punjab & Sind Bank Ltd. presents a mixed financial performance. The income statement shows strong profitability and growth potential, but the balance sheet indicates leverage concerns. While cash flow has been inconsistent, recent improvements may signal better cash management. Overall, the bank demonstrates potential but faces challenges in sustaining financial stability and cash flow reliability.

Income Statement

Punjab & Sind Bank Ltd. has shown a significant improvement in its income statement metrics. The gross profit margin has been consistently strong, and the net profit margin has been improving, indicating enhanced profitability. Revenue growth has been volatile but shows an upward trend, especially in the latest year. The EBIT and EBITDA margins have also shown resilience, reflecting strong operational efficiency.

Balance Sheet

The balance sheet reveals a mixed financial position. While there is a reasonable equity ratio and a declining debt-to-equity ratio, suggesting improved financial stability, the return on equity is not exceptionally high. The bank's total assets have grown, but the high total liabilities indicate potential leverage risks.

Cash Flow

Cash flow analysis shows fluctuating free cash flow with periods of negative free cash flow, which can be concerning. The operating cash flow has been inconsistent, and the ratio of operating cash flow to net income indicates potential cash flow issues. Nevertheless, the recent increase in free cash flow is a positive sign.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	136.12B	130.79B	105.62B	89.05B	81.07B	77.75B
Gross Profit	57.07B	53.81B	37.09B	38.86B	36.63B	30.63B
EBITDA	14.47B	14.83B	10.87B	17.68B	13.24B	-33.02B
Net Income	11.03B	10.16B	5.95B	13.13B	10.39B	-27.33B
Balance Sheet
Total Assets	1.62T	1.62T	1.48T	1.36T	1.21T	1.10T
Cash, Cash Equivalents and Short-Term Investments	68.87B	101.89B	73.83B	62.97B	90.47B	116.57B
Total Debt	124.57B	118.80B	106.37B	90.18B	24.44B	26.44B
Total Liabilities	1.48T	1.48T	1.32T	1.21T	1.07T	1.02T
Stockholders Equity	136.57B	133.55B	155.33B	151.09B	140.11B	83.63B
Cash Flow
Free Cash Flow	0.00	-5.33B	26.07B	1.34T	-61.19B	-62.94B
Operating Cash Flow	0.00	-3.65B	28.36B	1.43T	-59.99B	-58.48B
Investing Cash Flow	0.00	-126.31B	-2.29B	-881.60M	-1.21B	-4.46B
Financing Cash Flow	0.00	144.33B	93.10B	61.97B	40.68B	50.55B

Punjab & Sind Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 30.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 30.18 is below the 20-day moving average (MA) of 30.50, below the 50-day MA of 30.27, and below the 200-day MA of 32.24, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 46.03 is Neutral, neither overbought nor oversold. The STOCH value of 38.68 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KARURVYSYA	76 Outperform	₹242.17B	11.50	―	0.87%	13.61%	16.82%
CUB	69 Neutral	₹191.71B	15.86	―	0.74%	14.95%	14.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PSB	65 Neutral	₹214.78B	18.12	―	0.23%	18.54%	67.80%
RBLBANK	65 Neutral	₹198.74B	36.50	―	0.32%	6.67%	-54.96%
BANDHANBNK	52 Neutral	₹251.63B	20.49	―	0.99%	6.70%	-55.95%