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PUNJAB & SIND BANK
Intrinsic Value | Fundamental Analysis

BOM : 533295     NSE : PSB    
LT :  
    Long Term Analysis
Fundamentals : Bad
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Downward
Pledged Shares : None or < 25%
Apr 16,2024
Price(EOD): ₹ 59.72
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 40,477.02 Cr
Value of ₹ 1 Lac invested in PUNJAB & SIND BANK
on Apr 16,2019 (price: ₹ 30.65)

₹ 1 L

₹ 1.95 L

1W : 2.4% 1M : -12.2% 1Y : 130.1%
COMMUNITY POLL
for PUNJAB & SIND BANK
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
PUNJAB & SIND BANK 2.4% -12.2% 130.1%
STATE BANK OF INDIA 2.3% -2.6% 43.1%
PUNJAB NATIONAL BANK 6.4% -3.1% 156.6%
BANK OF BARODA 5% -2.7% 59.4%
UNION BANK OF INDIA 0.5% 2.9% 128.4%
INDIAN OVERSEAS BANK 1.2% -13.5% 157.5%
CANARA BANK 4.3% -1.4% 101.8%
INDIAN BANK 5.3% -2.6% 79.2%
BANK OF INDIA -0.3% -2.4% 84.8%

FUNDAMENTAL ANALYSIS OF PUNJAB & SIND BANK

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF PUNJAB & SIND BANK

 
Valuation Score
[As on : Apr 16,2024 ]

Ratio Standalone
P/E
P/B
P/S
44.33
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 913.06 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

2.68
P/B Calculated based on Book Value of Rs 15,108.50 Cr
[Latest Year - Mar2023 - Standalone Results ]

4.34
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF PUNJAB & SIND BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
1386%
7656%

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SHARE PRICE MOMENTUM OF PUNJAB & SIND BANK



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NPA

Year Net NPA/Advances ratio
Standalone
2023
2022
2021
Avg_3yrs
1.84
2.74
4.04
2.87

PLEDGED PROMOTER SHARES OF PUNJAB & SIND BANK

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF PUNJAB & SIND BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
3.54%
6.43%
-38.8%
-39.55%
18.2%
-19.56%
-67.25%
-69.37%
QtrlyTrend
-2
Latest Qtr: Dec2023
Quarterly Result Analysis →


PUNJAB & SIND BANK related INDICES

BSE Indices1W1M1Y
S&P BSE PSU -0.7% 1.9% 95.2%
S&P BSE SMALL CAP -1.3% 6.1% 62.6%
S&P BSE 400 MIDSMALLCAP -1.3% 4.1% 58.5%
S&P BSE MIDSMALLCAP -1.4% 4.4% 63.3%
S&P BSE 150 MIDCAP -1.5% 2.9% 56.6%
NSE Indices1W1M1Y
NIFTY PSU BANK -3.8% -1% 84.6%

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FAQ about PUNJAB & SIND BANK


Is PUNJAB & SIND BANK good for long term investment?

As on Apr 16,2024, the Fundamentals of PUNJAB & SIND BANK look Poor and hence it may not be good for long term investment ! See Financial Performance of PUNJAB & SIND BANK. Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is PUNJAB & SIND BANK UnderValued or OverValued?

As on Apr 16,2024, PUNJAB & SIND BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of PUNJAB & SIND BANK ?

As on Apr 16,2024, the Intrinsic Value of PUNJAB & SIND BANK is Rs. 2.39 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -1.10
Fair Value [Median EV / Sales Model] : Rs. 4.02
Fair Value [Median Price / Sales Model] : Rs. 0.77
Estimated Median Fair Value of PUNJAB & SIND BANK : Rs. 2.39

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is PUNJAB & SIND BANK trading at a Premium or Discount?

As on Apr 16,2024, PUNJAB & SIND BANK is trading at a Premium of 2395% based on the estimates of Median Intrinsic Value!