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Punjab & Sind Bank

PSB Share Price

32.280.25% (-0.08)
High
Low
Returns
1D
1W
1M
1Y
5Y
Max
SIP
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1W
1M
1Y
5Y
Max
SIP

With a market cap of ₹22,961 cr, stock is ranked 323

Stock is 3.55x as volatile as Nifty

PSB Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹22,961 cr, stock is ranked 323

Stock is 3.55x as volatile as Nifty

PSB Performance & Key Metrics

PSB Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
20.811.720.22%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.252.441.02%

PSB Analyst Ratings & Forecast

Analyst Ratings data is currently unavailable for this stock

Price Upside

Earnings Growth

Rev. Growth

PSB Company Profile

Punjab & Sind Bank provides Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations.

Investor Presentation

View older View older 

Jul 19, 2025

PDF
View Older Presentations
PE Ratio
9.54
9.54
1Y Return
7.86%
7.86%
Buy Reco %
82.93
82.93
PE Ratio
7.08
7.08
1Y Return
4.62%
4.62%
Buy Reco %
57.14
57.14
PE Ratio
6.15
6.15
1Y Return
4.20%
4.20%
Buy Reco %
75.00
75.00
PE Ratio
6.20
6.20
1Y Return
4.76%
4.76%
Buy Reco %
81.82
81.82
PE Ratio
5.97
5.97
1Y Return
1.14%
1.14%
Buy Reco %
75.00
75.00
Compare with Peers

PSB Sentiment Analysis

PSB Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

PSB Stock Summary · May 2025

Punjab & Sind Bank demonstrated robust financial performance in Q4 FY-25, with significant growth in net interest income and a remarkable 70% increase in net profit, supported by improved asset quality and a reduction in non-performing assets. While the bank faces challenges in deposit mobilization, it is proactively enhancing customer engagement through digital initiatives and innovative products. The management's focus on sustainable growth is evident in plans to expand branch presence and leverage co-lending models, particularly in the MSME sector. Despite potential moderation in net interest margins, optimism remains regarding treasury operations and overall profitability, positioning the bank well for future opportunities and market expansion.

PSB Stock Growth Drivers
PSB Stock Growth Drivers
8
  • Strong Financial Performance

    The bank reported significant growth in key financial metrics for FY 24-25, including a total

  • Improved Asset Quality

    The bank achieved a reduction in Gross Non-Performing Assets (NPA) by 205 basis points to

PSB Stock Challenges
PSB Stock Challenges
4
  • Reduction in Deposit Rates

    The bank has reduced its term deposit rates from 7.45% to 7.25% and savings account

  • Challenges in Loan Portfolio Management

    The bank has shifted its lending focus from AAA-rated to AA-rated assets, which may indicate

PSB Forecast

PSB Forecasts

empty forecast

Forecast data is currently unavailable

Forecast data is currently unavailable

Price

Price Upside

Revenue

Revenue Growth

Earnings

Earnings Per Share

PSB

PSB

Income

Balance Sheet

Cash Flow

PSB Income Statement

PSB Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 8.13%, vs industry avg of 14.43%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 1.17% to 0.85%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue8,750.978,529.959,386.958,826.937,877.528,055.198,932.6910,915.4513,048.9513,582.32
Raw Materialssubtract12,134.97
Power & Fuel Costsubtract
Employee Costsubtract990.141,123.001,175.811,211.091,688.071,478.561,544.421,944.202,088.48
Selling & Administrative Expensessubtract273.19270.30288.26296.76311.74325.06412.06419.85481.21
Operating & Other expensessubtract7,286.557,667.388,796.368,787.529,179.834,927.805,208.027,464.328,996.62
Depreciation/Amortizationsubtract0.0064.11-14.7253.91102.13137.09148.33150.08145.08
Interest & Other Itemssubtract
Taxes & Other Itemssubtract0.00148.96-315.29-531.56-671.34147.63306.82341.56321.72343.86
EPS5.02-15.41-9.62-15.65-11.501.921.940.881.461.56
DPS0.000.000.000.000.000.310.480.200.070.20
Payout ratio0.000.000.000.000.000.160.250.230.050.13

PSB Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Jul 19PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 29PDF
Mar 6PDF
Mar 1PDF
+2 more
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 5PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 2PDF
Jan 21PDF
Nov 5PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
FY 2016FY 2016

Annual report

PDF
 

PSB Stock Peers

PSB Past Performance & Peer Comparison

PSB Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPublic Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Punjab & Sind Bank22.601.720.22%
State Bank of India9.541.461.92%
Punjab National Bank7.080.982.55%
Bank of Baroda Ltd6.150.863.40%

PSB Stock Price Comparison

Compare PSB with any stock or ETF
Compare PSB with any stock or ETF
PSB
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PSB Holdings

PSB Shareholdings

PSB Promoter Holdings Trend

PSB Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 4.40%

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

PSB Institutional Holdings Trend

PSB Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

PSB Shareholding Pattern

PSB Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding93.85%0.11%3.97%0.25%1.84%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

PSB Shareholding History

PSB Shareholding History

MarJunSepDec '24MarJun0.02%0.00%0.00%0.00%0.73%0.25%

Mutual Funds Invested in PSB

Mutual Funds Invested in PSB

No mutual funds holding trends are available

Top 4 Mutual Funds holding Punjab & Sind Bank




Funds (Top 4)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.0004%0.49%0.24%14/14 (-1)
0.0002%0.07%0.04%61/66 (+1)
0.0001%0.01%0.00%460/524 (-1)

Compare 3-month MF holding change on Screener

PSB Insider Trades & Bulk Stock Deals

PSB Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing PSB stock

smallcases containing PSB stock

Looks like this stock is not in any smallcase yet.

PSB Events

PSB Events

PSB Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

PSB Dividend Trend

No dividend trend available

PSB Upcoming Dividends

PSB Upcoming Dividends

Cash Dividend

Ex DateEx DateJul 29, 2025

Final
Final | Div/Share: ₹0.07

Dividend/Share

0.07

Ex DateEx Date

Jul 29, 2025

PSB Past Dividends

PSB Past Dividends

Cash Dividend

Ex DateEx DateJul 16, 2024

Final
Final | Div/Share: ₹0.20

Dividend/Share

0.20

Ex DateEx Date

Jul 16, 2024

Cash Dividend

Ex DateEx DateJul 4, 2023

Final
Final | Div/Share: ₹0.48

Dividend/Share

0.48

Ex DateEx Date

Jul 4, 2023

Cash Dividend

Ex DateEx DateJul 4, 2022

Final
Final | Div/Share: ₹0.31

Dividend/Share

0.31

Ex DateEx Date

Jul 4, 2022

Cash Dividend

Ex DateEx DateJun 20, 2016

Final
Final | Div/Share: ₹1.65

Dividend/Share

1.65

Ex DateEx Date

Jun 20, 2016

Cash Dividend

Ex DateEx DateJun 19, 2015

Final
Final | Div/Share: ₹0.60

Dividend/Share

0.60

Ex DateEx Date

Jun 19, 2015

PSB Stock News & Opinions

PSB Stock News & Opinions

Earnings
Punjab & Sind Bank standalone net profit rises 48.30% in the June 2025 quarter

Net profit of Punjab & Sind Bank rose 48.30% to Rs 269.16 crore in the quarter ended June 2025 as against Rs 181.50 crore during the previous quarter ended June 2024. Total Operating Income rose 9.74% to Rs 2910.66 crore in the quarter ended June 2025 as against Rs 2652.27 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income2910.662652.27 10 OPM %64.0668.68 - PBDT323.02213.22 51 PBT323.02213.22 51 NP269.16181.50 48 Powered by Capital Market - Live

9 hours agoCapital Market - Live
Corporate
Punjab & Sind Bank to convene board meeting

Punjab & Sind Bank will hold a meeting of the Board of Directors of the Company on 19 July 2025.Powered by Capital Market - Live

2 days agoCapital Market - Live
Spotlight
Punjab & Sind Bank spurts 2.46%

Punjab & Sind Bank is up for a third straight session in a row. The stock is quoting at Rs 32.94, up 2.46% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.09% on the day, quoting at 25218.75. The Sensex is at 82666.87, up 0.12%. Punjab & Sind Bank has risen around 5.31% in last one month. Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has risen around 4.96% in last one month and is currently quoting at 7138.35, up 1.5% on the day. The volume in the stock stood at 22.06 lakh shares today, compared to the daily average of 33.4 lakh shares in last one month.The PE of the stock is 22.49 based on TTM earnings ending March 25.Powered by Capital Market - Live

3 days agoCapital Market - Live
Corporate
Punjab & Sind Bank AGM scheduled

Punjab & Sind Bank announced that the Annual General Meeting(AGM) of the bank will be held on 5 August 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Punjab & Sind Bank fixes record date for final dividend

Punjab & Sind Bank has fixed 29 July 2025 as record date for the purpose of final dividend for the FY 2024-25. Powered by Capital Market - Live

1 week agoCapital Market - Live
Spotlight
Punjab & Sind Bank's total biz climbs 11% YoY to Rs 2.31 lakh crore in Q1

As of 30 June 2025, total deposits increased by 8.78% year-on-year to Rs 1,31,183 crore, compared to Rs 1,20,593 crore as of 30 June 2024. Gross advances jumped 13.91% YoY to Rs 99,946 crore as of 30 June 2025. The CD (credit-to-deposit) ratio stood at 76.19% as of 30 June 2025, as against 72.76% as of 30 June 2024. Punjab and Sind Bank is a leading public sector bank and a major bank in northern India. The bank provides customer service through innovative products and services for different customer segments. The bank's standalone net profit surged 124.45% to Rs 312.78 crore on a 32.52% increase in total income to Rs 3,835.70 crore in Q4 FY25 over Q4 FY24. The counter rose 0.03% to Rs 33 on the BSE.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Punjab & Sind Bank drops for fifth straight session

Punjab & Sind Bank fell for a fifth straight session today. The stock is quoting at Rs 31.05, down 1.21% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is up around 0.87% on the day, quoting at 24933.35. The Sensex is at 81777.75, up 0.81%.Punjab & Sind Bank has eased around 1.4% in last one month.Meanwhile, Nifty PSU Bank index of which Punjab & Sind Bank is a constituent, has increased around 3.07% in last one month and is currently quoting at 6934.85, down 0.05% on the day. The volume in the stock stood at 23.25 lakh shares today, compared to the daily average of 44.85 lakh shares in last one month.The PE of the stock is 22.03 based on TTM earnings ending March 25.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Punjab & Sind Bank Q4 PAT climbs 124% YoY to Rs 313 cr

Profit before tax (PBT) stood at Rs 442.37 crore in Q4 FY25, registering growth of 95.07% YoY. Net interest income (NII) grew 62.84% to Rs 1,122 crore in Q4 FY25 as compared with Rs 689 crore recorded in Q4 FY24. During the quarter, the bank's total business grew by 11.69% YoY to Rs 2,29,379 crore, wherein total advances were up by 15.87% YoY to Rs 99,605 crore. Total deposits rose 8.68% to Rs 1,29,774 crore as against Rs 1,19,410 crore recorded in the corresponding quarter last year. CASA deposits stood at Rs 40,790 crore in Q4 FY25 as compared to Rs 38,708 crore posted in Q4 FY24, registering a growth of 5.38%. The CASA ratio was 32.42% as of 31 March 2025, as against 31.43% as of 31 March 2024. Gross non-performing assets (GNPA) fell 27.76% to Rs 3,370.06 crore as of 31 March 2025, as against 4,665.35 crore as of 31 March 2024. On the asset quality front, the gross NPA ratio reduced to 3.38% in Q4 FY25 as against 5.43% recorded in Q4 FY24. The net NPA ratio reduced to 0.96% in Q4 FY25 as against 1.63% in Q4 FY24. The Capital Adequacy Ratio (CRAR) improved by 25 bps to 17.41%, and the Tier I (including CCB) capital ratio improved to 15.59% in Q4 FY25 as against 14.74% registered in Q4 FY24. The bank's provision coverage ratio increased by 269 bps and stands at 91.38%. The bank's CD ratio improved by 476 bps to 76.75% in Q4 FY25 as against 71.99% in Q4 FY24. Meanwhile, the bank's board has recommended a dividend of Rs 0.07 per equity share for the year 2024-25, subject to the approval of shareholders at the ensuing Annual General Meeting of the Bank. Punjab and Sind Bank is a leading public sector bank and a major bank in northern India. The bank provides customer service through innovative products and services for different customer segments. The bank has a total of 1,610 branches and 1,047 ATMs. The scrip added 0.10% to end at Rs 30.28 on the BSE. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Board of Punjab & Sind Bank recommends final dividend

Punjab & Sind Bank announced that the Board of Directors of the Company at its meeting held on 29 April 2025, inter alia, have recommended the final dividend of Rs 0.07 per equity Share (i.e. 0.7%) , subject to the approval of the shareholders.Powered by Capital Market - Live

2 months agoCapital Market - Live
Earnings
Punjab & Sind Bank standalone net profit rises 124.46% in the March 2025 quarter

Net profit of Punjab & Sind Bank rose 124.46% to Rs 312.78 crore in the quarter ended March 2025 as against Rs 139.35 crore during the previous quarter ended March 2024. Total Operating Income rose 27.31% to Rs 3158.94 crore in the quarter ended March 2025 as against Rs 2481.27 crore during the previous quarter ended March 2024. For the full year,net profit rose 70.61% to Rs 1015.83 crore in the year ended March 2025 as against Rs 595.42 crore during the previous year ended March 2024. Total Operating Income rose 18.44% to Rs 11481.30 crore in the year ended March 2025 as against Rs 9693.98 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income3158.942481.27 27 11481.309693.98 18 OPM %57.0664.72 -65.0467.76 - PBDT442.37226.79 95 1337.55936.98 43 PBT442.37226.79 95 1337.55936.98 43 NP312.78139.35 124 1015.83595.42 71 Powered by Capital Market - Live

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Punjab & Sind Bank (PSB) today?

    The share price of PSB as on 18th July 2025 is ₹32.28. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Punjab & Sind Bank (PSB) share?

    The past returns of Punjab & Sind Bank (PSB) share are
    • Past 1 week: 1.51%
    • Past 1 month: 4.15%
    • Past 3 months: 14.88%
    • Past 6 months: -35.22%
    • Past 1 year: -50.63%
    • Past 3 years: 119.59%
    • Past 5 years: 148.31%

  3. What are the peers or stocks similar to Punjab & Sind Bank (PSB)?
  4. What is the dividend yield % of Punjab & Sind Bank (PSB) share?

    The current dividend yield of Punjab & Sind Bank (PSB) is 0.22.

  5. What is the market cap of Punjab & Sind Bank (PSB) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Punjab & Sind Bank (PSB) is ₹22961.31 Cr as of 18th July 2025.

  6. What is the 52 week high and low of Punjab & Sind Bank (PSB) share?

    The 52-week high of Punjab & Sind Bank (PSB) is ₹73.64 and the 52-week low is ₹25.22.

  7. What is the PE and PB ratio of Punjab & Sind Bank (PSB) stock?

    The P/E (price-to-earnings) ratio of Punjab & Sind Bank (PSB) is 22.60. The P/B (price-to-book) ratio is 1.72.

  8. Which sector does Punjab & Sind Bank (PSB) belong to?

    Punjab & Sind Bank (PSB) belongs to the Financials sector & Public Banks sub-sector.

  9. How to buy Punjab & Sind Bank (PSB) shares?

    You can directly buy Punjab & Sind Bank (PSB) shares on Tickertape. Simply sign up, connect your demat account and place your order.