PSB
Punjab & Sind Bank (PSB) Stock Analysis
Punjab and Sind Bank is a public sector bank headquartered in Punjab serving retail, agriculture, and MSME customers. It offers deposits, loans, and digital banking across northern India. The bank is undergoing consolidation and growth in its core markets. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹21.30
+1.33% 1W | -28.60% 52W
Market Cap
15.1k CR
P/E Ratio
10.9
52W High
₹32.5
52W Low
₹20.5
Div. Yield
1.84%
Beta
0.5
50 DMA
₹22.5
200 DMA
₹24.3
Profit Margin
28.5%
Inst. Own.
1.5%
⚠️ BREAKDOWN
📊 CONSOLIDATION
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,316 | 2,406 | 2,491 | 2,481 | 2,652 | 2,739 | 2,931 | 3,159 | 2,911 | 2,999 | 3,042 | 3,030 | 3,213 |
| Interest | 1,578 | 1,731 | 1,752 | 1,792 | 1,802 | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 | 2,056 | 2,055 | 2,175 |
| Expenses | 682 | 648 | 920 | 875 | 831 | 924 | 902 | 1,356 | 1,046 | 967 | 1,037 | 787 | 920 |
| Financing Profit | 56 | 27 | -181 | -186 | 19 | -52 | 36 | -234 | -146 | -17 | -51 | 188 | 119 |
| Financing Margin % | 2% | 1% | -7% | -8% | 1% | -2% | 1% | -7% | -5% | -1% | -2% | 6% | 4% |
| Other Income | 179 | 268 | 362 | 413 | 194 | 359 | 338 | 677 | 469 | 374 | 507 | 427 | 332 |
| Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Profit before tax | 234 | 295 | 181 | 227 | 213 | 307 | 375 | 442 | 323 | 357 | 456 | 615 | 451 |
| Tax % | 35% | 36% | 37% | 39% | 15% | 22% | 25% | 29% | 17% | 18% | 26% | 31% | 27% |
| Net Profit | 153 | 189 | 114 | 139 | 182 | 240 | 282 | 313 | 269 | 295 | 336 | 422 | 332 |
| EPS in Rs | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 | 0.42 | 0.44 | 0.38 | 0.42 | 0.47 | 0.59 | 0.47 |
| Gross NPA % | 6.80% | 6.23% | 5.70% | 5.43% | 4.72% | 4.21% | 3.83% | 3.38% | 3.34% | 2.92% | 2.60% | 2.40% | 2.21% |
| Net NPA % | 1.95% | 1.88% | 1.80% | 1.63% | 1.59% | 1.46% | 1.25% | 0.96% | 0.91% | 0.83% | 0.74% | 0.79% | 0.65% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,589 | 8,744 | 8,173 | 7,949 | 8,559 | 7,930 | 6,974 | 7,096 | 7,993 | 9,694 | 11,481 | 11,982 | 12,284 |
| Interest | 6,909 | 6,569 | 6,014 | 5,714 | 6,279 | 5,872 | 4,712 | 4,444 | 5,019 | 6,853 | 7,698 | 8,170 | 8,335 |
| Expenses | 1,915 | 2,110 | 2,536 | 3,347 | 3,981 | 4,423 | 6,468 | 2,287 | 2,145 | 2,975 | 3,869 | 3,660 | 3,710 |
| Financing Profit | -235 | 66 | -377 | -1,112 | -1,702 | -2,366 | -4,206 | 364 | 828 | -134 | -85 | 152 | 239 |
| Financing Margin % | -3% | 1% | -5% | -14% | -20% | -30% | -60% | 5% | 10% | -1% | -1% | 1% | 2% |
| Other Income | 429 | 478 | 578 | 581 | 828 | 897 | 904 | 959 | 940 | 1,221 | 1,568 | 1,778 | 1,641 |
| Depreciation | 46 | 46 | -0 | 64 | -15 | 54 | 102 | 137 | 148 | 150 | 145 | 177 | 0 |
| Profit before tax | 147 | 498 | 201 | -595 | -859 | -1,522 | -3,404 | 1,187 | 1,620 | 937 | 1,338 | 1,752 | 1,881 |
| Tax % | 18% | 33% | -0% | 25% | -37% | -35% | -20% | 12% | 19% | 36% | 24% | 25% | |
| Net Profit | 121 | 336 | 201 | -744 | -543 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,322 | 1,384 |
| EPS in Rs | 3.03 | 8.39 | 5.02 | -13.17 | -9.62 | -14.13 | -6.74 | 1.53 | 1.94 | 0.88 | 1.43 | 1.86 | 1.95 |
| Dividend Payout % | 20% | 20% | -0% | -0% | -0% | -0% | -0% | 20% | 25% | 23% | 5% | 21% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 11.0% | 3.0% |
| Profit CAGR | 0.0% | 20.0% | 15.0% |
Shareholding Pattern
Promoters93.85%
FIIs0.25%
DIIs4.08%
Public1.82%
Promoters93.85%
FIIs0.16%
DIIs4.03%
Public1.96%
Promoters93.85%
FIIs0.16%
DIIs4.00%
Public1.99%
Promoters93.85%
FIIs0.15%
DIIs3.90%
Public2.09%
Promoters93.85%
FIIs0.14%
DIIs3.81%
Public2.21%
Promoters98.25%
FIIs0.01%
DIIs0.67%
Public1.07%
Promoters98.25%
FIIs0.02%
DIIs0.65%
Public1.09%
Promoters93.85%
FIIs0.73%
DIIs4.32%
Public1.11%
Promoters93.85%
FIIs0.15%
DIIs3.90%
Public2.09%
Promoters93.85%
FIIs0.14%
DIIs3.81%
Public2.21%
PSB
Holdings Analysis
Key strengths & risk signals
59
Overall
64
Fundamental
54
Technical
Risks (4)
OVERVALUED! PEG of 54.50 means expensive relative to growth rate.
POOR YEAR! Stock declined 28.6% in the last year.
WEAK POSITION! Current price (21.2) is below both moving averages.
WEAK! Trading at 5.8% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 28.5% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 13 up days, 16 down days. Avg volume on up days: 1,100,932 vs down days: 863,111. Ratio: 1.28x
NEUTRAL! RSI at 41.2 - balanced momentum.
Fundamental & Technical Analysis
59Overall
64Fundamental
54Technical
Fundamental Breakdown
Growth Quality
16/30
Revenue CAGR: 13.2% (GOOD, 11/15). Profit CAGR: 0.2% (SLOW, 5/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 28.5% profit margin - company keeps strong profits.
PEG Valuation
0/10
OVERVALUED! PEG of 54.50 means expensive relative to growth rate.
Dividend Yield
5/10
LOW DIVIDEND! 1.84% yield - minimal income contribution.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.89 - acceptable leverage.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 1.1% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (22.5) is below 200-day average (24.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (21.3) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 28.6% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 1,098,158 vs down days: 863,111. Ratio: 1.27x
RSI
3/5
NEUTRAL! RSI at 42.2 - balanced momentum.
52W Range
1/5
WEAK! Trading at 6.7% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 1.3% (1 week), -4.3% (1 month), -14.1% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
PSB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-27 | Concall PDF | |
| Q2FY262026-01-28 | Concall PDF | |
| Q1FY262025-10-28 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PSB | ₹21.30 | 10.9 | 28.5% | 13.2% | 0.2% | -28.6% | 59 | BREAKDOWN | +23.1% | -21.4% | +0.1% | -2.2% |
| J&KBANK | ₹134.30 | 6.4 | 34.2% | 8.2% | 26.0% | +32.6% | 78 | BOUNCE FROM SUPPORT | -11.5% | -46.3% | -0.1% | -2.0% |
| TMB | ₹857.30 | 9.4 | 41.2% | 7.7% | 9.1% | +96.8% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
| SOUTHBANK | ₹51.50 | 8.5 | 29.9% | 9.5% | 23.4% | +57.7% | 79 | APPROACHING RESISTANCE | +17.2% | -7.3% | -3.4% | +7.9% |
| KTKBANK | ₹329.90 | 8.7 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| UJJIVANSFB | ₹63.20 | 13.8 | 19.6% | 14.3% | -14.3% | +31.7% | 66 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| EQUITASBNK | ₹70.40 | 15.8 | 10.9% | 12.1% | -43.6% | +23.7% | 54 | APPROACHING RESISTANCE | -182.0% | -13.7% | +19.2% | +3.3% |
| DCBBANK | ₹209.80 | 8.6 | 25.3% | 15.9% | 16.3% | +63.4% | 78 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
Data from TradeAlone · Updated daily
