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Punjab & Sind Bank (PSB.NS)

INR24.61 -0.20 (-0.81%)
IN NSE Financial Services Banks - Regional
Address 21, Rajendra Place 110008
New Delhi, IN
CEO Swarup Kumar Saha
IPO 2010-12-30
ISIN INE608A01012

Explore sections of this company profile

Also trades on Bombay Stock Exchange · PSB.BO (INR) National Stock Exchange of India · PSB.NS (INR)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR24.61 -0.20 (-0.81%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.49
Float Shares
124.30M
Free Float %
1.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.65% +3.45% +0.29% +1.78% -13.32% -13.25% -23.58% -24.47% +18.91% -45.84% -81.11%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
24.61
Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
2 / 9
Weak
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +5.2% Q1'26: -10.6% (vs Q1'25)
  • EPS growth
    +24.0% Q1'26: +25.5% (vs Q1'25)
  • FCF margin
    Q1'26: -244.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.8% (vs Q1'25)
  • ROIC
    Q1'26: +7.0% (vs Q1'25)
  • Share dilution
    +5.9% Q1'26: +6.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 6.64× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.49) × ERP
WACC = 51% × Ke + 49% × Kd (50.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 24.61
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-11 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-10 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-09 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-08 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-05 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-04 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-03 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-02 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-06-01 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-29 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-27 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-26 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-25 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-22 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-21 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-20 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-19 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-18 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-15 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-14 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-13 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-12 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-11 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-05-08 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-07 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-06 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-05 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-04 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-04-30 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-29 B 3/5 3/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-04-27 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-04-24 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-23 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-22 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-21 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-04-20 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-04-17 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-16 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-57.78B
OE per share TTM
-8.53
Owner's Yield
-33.64%
Maintenance CapEx ratio
31.68%
Maint CapEx / Avg PPE
16.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.01M
Shares Outstanding
7.10B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Swarup Kumar Saha Chief Executive Officer, MD & Director 4M male
Rajeeva Executive Director 2M male
Ravi Mehra Executive Director 2M male
Rajesh C. Pandey Chief General Manager 287.0K male
Parveen Kumar Anand Chief General Manager 287.0K male
Arnab Goswamy Chief Financial Officer male
Dheeraj Kumar Gaur Chief Risk Officer male
Ravi Gupta Chief Compliance Officer male
Arun Kumar Agarwal Chief Vigilance Officer male
Prem Chand Kumar Chief Technical Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits