Punjab & Sind Bank
Punjab & Sind Bank operates in Public Sector Bank, part of the Financial Services sector. It booked ₹3,213 cr of revenue in its latest quarter (Q1 FY27) and kept 10.3% of sales as profit.
| Segment | FY20 | FY21 | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|---|---|
| Retail Banking | 2,395 | 2,293 | 4,252 | 5,195 | 5,952 | 27% → 43% |
| Corporate/Wholesale Banking | 4,030 | 3,282 | 3,968 | 4,225 | 4,171 | 46% → 30% |
| Treasury | 2,395 | 2,289 | 2,667 | 3,600 | 3,600 | 27% → 26% |
| Other Banking Operations | 6 | 13 | 28 | 30 | 36 | 0% → 0% |
| Total | 8,827 | 7,877 | 10,915 | 13,049 | 13,759 |
From the company's standalone segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 35% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 27
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in PSB?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹3,213 cr |
| Other Income | ₹332 cr |
| Total Income | ₹3,546 cr |
| Interest Expended | ₹2,175 cr |
| Employee Cost | ₹495 cr |
| Other Operating Expenses | ₹330 cr |
| Total Expenditure | ₹3,000 cr |
| Operating Profit before Provisions | ₹545 cr |
| Provisions & Contingencies | ₹94 cr |
| Profit before Tax | ₹451 cr |
| Tax Expense | ₹120 cr |
| Net Profit | ₹332 cr |
| Net margin on total income | 9.3% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|
| Revenue | 3,042 cr | 3,030 cr | 3,213 cr |
| Total income | 3,549 cr | 3,457 cr | 3,546 cr |
| Expenses | — | — | — |
| Profit before tax | 456 cr | 615 cr | 451 cr |
| Tax | 120 cr | 194 cr | 120 cr |
| Net profit (owners' share) | 336 cr | 422 cr | 332 cr |
| Net margin (owners' share, on revenue) | 11.1% | 13.9% | 10.3% |
| EPS (₹) | 0.47 | 0.59 | 0.47 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| State Bank of India | ₹989 | ₹9.13 L cr | 9.5 | 16.0% | 18.0% | — |
| Union Bank of India | ₹178 | ₹1.36 L cr | 6.0 | 16.1% | 19.6% | — |
| Punjab National Bank | ₹116 | ₹1.34 L cr | 5.8 | 14.2% | 15.9% | — |
| Bank of Baroda | ₹232 | ₹1.20 L cr | 16.8 | 3.8% | 4.5% | — |
| Indian Bank | ₹841 | ₹1.13 L cr | 8.4 | 16.5% | 18.2% | — |
| Canara Bank | ₹124 | ₹1.12 L cr | 5.4 | 16.5% | 14.8% | — |
| Bank of India | ₹138 | ₹62,914 cr | 4.8 | 14.0% | 15.6% | — |
| Bank of Maharashtra | ₹81 | ₹62,148 cr | 7.7 | 24.3% | 25.1% | — |
| Indian Overseas Bank | ₹32 | ₹61,814 cr | 9.0 | 17.9% | 18.9% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.39 / share | 21 Jul 2026 |
| Dividend | ₹0.07 / share | 29 Jul 2025 |
| Dividend | ₹0.2 / share | 16 Jul 2024 |
| Dividend | ₹0.48 / share | 4 Jul 2023 |
| Dividend | ₹0.31 / share | 4 Jul 2022 |
| Dividend | ₹1.65 / share | 20 Jun 2016 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
The company has not broken this money down into purposes in its filing for Mar 2025, so there is nothing to measure it against yet.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing