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As of 6 Nov 2026, Punjab & Sind Bank trades at 9.6× trailing earnings, and the shares are 36% below their 52-week high. Net profit grew 0.2% a year over 3 years; its ROE of 11% is the lowest among the 7 largest Banks (Regional) peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.99× book value and its dividend yield is 1.9%. It is a small-cap company with a market cap of ₹14,333 Cr, ranked 27th of 41 Banks (Regional) companies by market cap; the shares fell 36% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹19.78
Day high
₹20.40
Day low
₹19.52
Prev. close
₹19.89
Volume
23.8 L

Health check

1 good · 2 fair · 3 to check
  • ReturnsBehind

    −36.1% over a year, better than 0 of 7 peers.

  • Price tagCheaper

    P/B 0.99 vs peer median 1.78.

  • GrowthSlow

    Profit +0.2% a year over 3 years.

  • ProfitabilityAverage

    ROE 10.7% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 0.85%. Bad-loan data isn’t covered.

  • Red flags1 to check

    36% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹14,333 Cr, #27 of 41 in its industry by size.

Defensive

Beta 0.54 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹5,138 Cr · profit ₹1,502 Cr
Market cap
₹14,333 Cr
Small cap
P/E
9.6
Industry 9.2
Price to book
0.99
Peers 1.78
Dividend yield
1.93%
ROE
10.7%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹2.11
Face value ₹10
OPM (TTM)
38.7%
Net margin 29.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+38.1%
Latest quarter vs a year ago
Price to sales
2.79

Strengths and risks

Strengths

  • Quarterly profit up 38.1% on a year ago.

Risks to check

  • 36% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About Punjab & Sind Bank

Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and…

Headquarters
New Delhi
Sector
Financial Services
ISIN
INE608A01012
Website
punjabandsind.bank.in

Price range

52 weeks

₹18.00₹31.45

Today

₹19.52₹20.40
Avg volume (3M)
14.7 L
1-year return
minus 36.1%
From 52-week high
minus 35.8%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
PSBPunjab & Sind Bank20.20plus 1.56%14,3339.60.9910.7%0.8%0.2%1.93%minus 36.1%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
1,3691,4931,4021,3711,513
2,0102,0562,0552,1752,234
323456615451565
16.7%26.3%31.5%26.6%27.1%
269336422332412
0.380.470.590.470.58

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+0.2%
EPS CAGR 3Y
−1.4%
ROE
10.7%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
3,8863,7095,3815,632
–minus 4.6%+45.1%+4.7%
5,0196,8537,6988,170
148150145177
2.20.4−0.2−0.2
1,6209371,3381,752
18.9%36.5%24.1%24.6%
1,3135951,0161,322
–minus 54.7%+70.6%+30.1%
1.940.881.501.86

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
6,7786,7787,0967,096
8,3318,7566,2597,037
9,0189,17111,88013,952
1,12,3281,22,9521,36,5811,51,186
1,36,4551,47,6571,61,8151,79,270
1,5191,7561,7981,862
––19.424.3
38,75143,34741,92242,908
8,6569,05710,1897,689
87,52893,4961,07,8861,26,787
1,36,4551,47,6571,61,8151,79,270

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,4281,746−2,294−1,893
−88.2−229−168−241
−1,332−4313,898−387
8.51,0861,437−2,521
−90.3−229−167−241
1,3381,517−2,461−2,134
−210−325−136−49.7

Shareholding pattern

Source: NSE filings
93.8%
promoters
  • Promoters93.85%
  • Public6.15%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202693.85%6.15%0.00
30 Jun 202693.85%6.15%0.00
31 Mar 202693.85%6.15%0.00
31 Dec 202593.85%6.15%0.00
30 Sep 202593.85%6.15%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you