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PUNJAB & SIND BANK
Intrinsic Value | Fundamental Analysis

BOM : 533295     NSE : PSB    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : None or < 25%
Mar 28,2023
Price(EOD): ₹ 23.77
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 16,110.83 Cr
Value of ₹ 1 Lac invested in PUNJAB & SIND BANK
on Mar 28,2018 (price: ₹ 35.30)

₹ 1 L

₹ 0.67 L

1W : -7.8% 1M : -6.6% 1Y : 52.6%
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for PUNJAB & SIND BANK
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PUNJAB & SIND BANKis part of below Screeners ↓
Best Quarterly Growth Mid Cap Stocks
Industry Peers & Returns1W1M1Y
PUNJAB & SIND BANK -7.8% -6.6% 52.6%
STATE BANK OF INDIA -2.6% -2.5% 4%
BANK OF BARODA -4% 4% 48.5%
PUNJAB NATIONAL BANK -6.1% -5.5% 29%
CANARA BANK -3.3% 1.6% 23.1%
UNION BANK OF INDIA -6.4% -8.1% 61.8%
UCO BANK -9.3% -9.8% 97.5%
INDIAN BANK 2.1% 2.6% 82%
BANK OF INDIA -4.2% 2% 46.4%

FUNDAMENTAL ANALYSIS OF PUNJAB & SIND BANK

 
Fundamentals Score
[ Q(TTM): Dec2022, Y: Mar2022
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 : Mar 28,2023 ]

Ratio Standalone
P/E
P/B
P/S
13.4
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 1,202.14 Cr
[Latest Qtr - Dec2022 - Standalone Results ]

1.15
P/B Calculated based on Book Value of Rs 14,010.60 Cr
[Latest Year - Mar2022 - Standalone Results ]

2.1
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Dec2022 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF PUNJAB & SIND BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
722%
179%
2835%

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SHARE PRICE MOMENTUM OF PUNJAB & SIND BANK



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NPA

Year Net NPA/Advances ratio
Standalone
2022
2021
2020
Avg_3yrs
2.74
4.04
8.03
4.94

PLEDGED PROMOTER SHARES OF PUNJAB & SIND BANK

Pledged Promoter Shares
0 %
As on : Dec2022

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
6.44%
8.41%
186.32%
34.21%
12.63%
3.6%
80.31%
24.07%
QtrlyTrend
8
Latest Qtr: Dec2022
Quarterly Result Analysis →


PUNJAB & SIND BANK related INDICES

BSE Indices1W1M1Y
S&P BSE FINANCE -1.1% -2.1% 3.7%
S&P BSE 500 -1.4% -3.1% -3.2%
S&P BSE ALLCAP -1.5% -3.2% -3.4%
S&P BSE 400 MIDSMALLCAP -2.6% -4.3% -2.3%
S&P BSE MIDSMALLCAP -2.8% -4.3% -4.1%
NSE Indices1W1M1Y
NIFTY PSU BANK -3% -2.3% 32.6%

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FAQ about PUNJAB & SIND BANK


Is PUNJAB & SIND BANK good for long term investment?

As on Mar 28,2023, the Fundamentals of PUNJAB & SIND BANK look Average and hence you may wait for the results to improve to invest for long term ! 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 Mar 28,2023, 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 Mar 28,2023, the Intrinsic Value of PUNJAB & SIND BANK is Rs. 2.89 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 2.89
Fair Value [Median EV / Sales Model] : Rs. 8.53
Fair Value [Median Price / Sales Model] : Rs. 0.81
Estimated Median Fair Value of PUNJAB & SIND BANK : Rs. 2.89

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 Mar 28,2023, PUNJAB & SIND BANK is trading at a Premium of 722% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].