Punjab & Sind Bank
Punjab & Sind Bank valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Punjab & Sind Bank, framed against the sector median so the premium or discount is obvious at a glance.
Punjab & Sind Bank trades at a P/E of 12.93× and P/B of 1.22×, against the Financial Services sector median P/E of 8.21×.
Valuation
Profitability
Growth
Financial Health
Punjab & Sind Bank financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Punjab & Sind Bank, switchable between annual and quarterly views, consolidated or standalone.
Punjab & Sind Bank reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹18,058.26 Cr and reported EPS of ₹1.86.
Punjab & Sind Bank segment analysis: revenue and profit mix.
Disclosed business segments at Punjab & Sind Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Punjab & Sind Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Punjab & Sind Bank investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Punjab & Sind Bank, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Punjab & Sind Bank's investment case rests on 9 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
Robust promoter holding of 93.8% indicates strong insider confidence.
Quarterly profit variation of 22.90% reflects positive operational momentum.
Consistent quarterly sales growth of 9.49% demonstrates steady revenue expansion.
Stock delivered an impressive 92.89% return over the last 52 weeks.
Comprehensive banking products and digital platforms cater to diverse customer needs.
What can break it.
Elevated debt-to-equity ratio of 1.09 indicates significant financial leverage.
Modest Return on Capital Employed (ROCE) of 5.98% suggests inefficient capital utilization.
High stock price volatility, ranging from ₹56.30 high to ₹25.20 low.
Negative 5-year book value growth of -25.10% raises long-term concerns.
Negative annual cash flow per share of -3.47 indicates potential liquidity issues.
What would change my mind.
Trim if P/E re-rates above 17 (~2.1× the sector multiple of 8.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Punjab & Sind Bank peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Punjab & Sind Bank is highlighted for quick read-across.
Quick Compare
Punjab & Sind Bank technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Punjab & Sind Bank — derived from the live tape, not yesterday's close.
Punjab & Sind Bank last traded at ₹25.48 with an intraday range of ₹24.01–₹25.94 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹25.48| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 30.14 | +4.66 | +18.28% |
| R3 | 28.21 | +2.73 | +10.70% |
| R2 | 27.07 | +1.59 | +6.25% |
| R1 | 26.28 | +0.80 | +3.13% |
| PIVOT | 25.14 | -0.34 | -1.32% |
| CURRENT | 25.48 | — | — |
| S1 | 20.49 | -4.99 | -19.60% |
| S2 | 22.42 | -3.06 | -12.02% |
| S3 | 23.21 | -2.27 | -8.90% |
| S4 | 24.35 | -1.13 | -4.45% |
PSB is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 24.01 ~ 24.18
Trading Above opening range, showing Bullishness
Punjab & Sind Bank chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Punjab & Sind Bank — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Punjab & Sind Bank delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Punjab & Sind Bank over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Punjab & Sind Bank stood at 32.6% of traded volume, against a 20-day average of 47.9%.
Punjab & Sind Bank announcements: results, concalls, ratings, M&A.
Filings Punjab & Sind Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Punjab & Sind Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 112 documents below.
Disclosure under SEBI Takeover Regulations
Punjab & Sind Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) and 31 (5) of the Securities and Exchange Board of India…
Copy of Newspaper Publication
Punjab & Sind Bank has informed the Exchange about Copy of Newspaper Publication
Analysts/Institutional Investor Meet/Con. Call Updates
Punjab & Sind Bank has informed the Exchange about Link of Recording
Investor Presentation
Punjab & Sind Bank has informed the Exchange about Investor Presentation
Press Release
Punjab & Sind Bank has informed the Exchange regarding a press release dated April 27, 2026, titled "Punjab & Sind Bank Press Release dated April…
Investor decks & rating reports.
Punjab & Sind Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Punjab & Sind Bank has declared, sequenced by announce and record date.
Punjab & Sind Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Punjab & Sind Bank: business, sector, key facts.
What Punjab & Sind Bank does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Punjab & Sind Bank operates in the Financial Services, listed as NSE: PSB, BSE: 533295.
Punjab & Sind Bank (PSB) is a major Indian banking institution established in 1908 and headquartered in New Delhi. Its business model revolves around providing a comprehensive suite of banking and financial products and services to a diverse customer base across India. The bank's operations are categorized into four key segments: Treasury Operations, Corporate/Wholesale Banking, Digital Banking and Other Retail Banking, and Other Banking Operations, each contributing to its overall revenue and market presence.
A significant portion of PSB's business focuses on deposit products, offering a wide range of options to cater to various customer needs and financial goals. These include savings accounts, current accounts, various types of fixed deposits, and recurring deposit accounts. This robust deposit base provides the foundation for the bank's lending activities and overall financial stability.
The bank's loan portfolio is equally extensive, covering a broad spectrum of personal and commercial needs. PSB offers a diverse selection of loan products including home loans, auto loans, personal loans, various business loans (for SMEs, MSMEs, and commercial vehicles), agricultural loans, and specialized loans for doctors and senior citizens (Sukhmoney). The bank also facilitates government-sponsored schemes and offers products tailored for micro and small enterprises (MSEs). Beyond traditional lending, PSB provides debt restructuring services, demonstrating its commitment to supporting businesses throughout their lifecycle.
In addition to core lending and deposit services, PSB provides a comprehensive array of non-fund based products. These include letter of credit facilities, bank guarantees, and other trade finance instruments essential for facilitating international and domestic commerce. The bank also offers ancillary services such as locker facilities, insurance products (life, general, and health), and government scheme participation. This diversification helps mitigate risk and ensures a broader revenue stream.
PSB's commitment to modernizing its services is evident in its robust digital banking platform. It offers a comprehensive suite of digital banking services, including internet and mobile banking, SMS banking, various payment gateways (UPI, IMPS, RTGS/NEFT), ATM/debit card services, and online payment options. This focus on digital channels enhances customer convenience and operational efficiency, positioning the bank for continued growth in the increasingly digitalized Indian market. Further bolstering its international reach, PSB offers services for Non-Resident Indians (NRIs) including export/import services and foreign exchange transactions.
Questions investors ask about Punjab & Sind Bank (PSB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Punjab & Sind Bank (PSB)?
The current share price of Punjab & Sind Bank (PSB) is ₹25.48. Today, the stock has gained by ₹1.48 (6.17%), trading in a range of ₹24.01 to ₹25.94. The stock opened at ₹24.09 with a trading volume of 1,23,34,921 shares.
02Is Punjab & Sind Bank stock a good investment for long-term?
Punjab & Sind Bank can be considered for long-term investment based on several factors. The company has a market capitalization of ₹18,058.26 crores, P/E ratio of 12.93, ROE of 9.62%, and ROCE of 5.98%. The dividend yield stands at 0.29%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Punjab & Sind Bank stock?
The 52-week high price of Punjab & Sind Bank (PSB) is ₹33.55, while the 52-week low is ₹20.5. Currently trading at ₹25.48, the stock is 38.2% away from its 52-week low and 24.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Punjab & Sind Bank stock at the current price?
Whether to buy Punjab & Sind Bank stock at ₹25.48 depends on multiple factors. The stock is currently trading with a P/E ratio of 12.93 and P/B ratio of 1.22. Today's performance shows a gain of 6.17%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Punjab & Sind Bank and when is the next dividend?
Punjab & Sind Bank offers a dividend yield of 0.29%, which means for every ₹100 invested at the current price of ₹25.48, you can expect to receive approximately ₹0.29 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Punjab & Sind Bank?
Punjab & Sind Bank's key financial metrics include: P/E Ratio: 12.93, P/B Ratio: 1.22, ROE: 9.62%, ROCE: 5.98%, Dividend Yield: 0.29%, EPS: ₹1.86, Book Value: ₹19.77, and Debt-to-Equity: 0.00. The company's market cap stands at ₹18,058.26 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Punjab & Sind Bank stock performing today in the market?
Punjab & Sind Bank stock opened at ₹24.09 and is currently trading at ₹25.48, showing a gain of ₹1.48 (6.17%). The intraday high is ₹25.94 and low is ₹24.01. The trading volume stands at 1,23,34,921 shares, indicating strong market participation today.
08What is the P/E ratio of Punjab & Sind Bank and what does it indicate?
Punjab & Sind Bank has a Price-to-Earnings (P/E) ratio of 12.93, which means investors are willing to pay ₹12.93 for every ₹1 of earnings. With an EPS of ₹1.86, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Punjab & Sind Bank (PSB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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