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Punjab & Sind Bank logo

Punjab & Sind Bank

NSE: PSB BSE: 533295

27.85

(2.20)%

Sat, 31 Jan 2026, 03:22 pm

Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Punjab & Sind Bank has not reported any payouts.
    • Unable to evaluate Punjab & Sind Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Punjab & Sind Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Punjab & Sind Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • Punjab & Sind Bank's liabilities are made up of primarily low risk sources of funding.
    • Punjab & Sind Bank has an acceptable proportion of non-loan assets held.
    • Loans at Punjab & Sind Bank are broadly funded by customer deposits.
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    Cons

    • Punjab & Sind Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • S.'s remuneration is lower than average for companies of similar size in India.
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    Cons

    • The average tenure for the Punjab & Sind Bank board of directors is less than 3 years, this suggests a new board.
    • The average tenure for the Punjab & Sind Bank management team is less than 2 years, this suggests a new team.

    misc

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    Pros

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      Cons

      • Punjab & Sind Bank is not covered by any analysts.
      • Punjab & Sind Bank has significant price volatility in the past 3 months.

      past

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      Pros

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        Cons

        • Unable to compare Punjab & Sind Bank's 1-year earnings growth to the 5-year average as it is not currently profitable.
        • Punjab & Sind Bank does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
        • It is difficult to establish if Punjab & Sind Bank has efficiently used its assets last year compared to the IN Banks industry average (Return on Assets) as it is loss-making.
        • It is difficult to establish if Punjab & Sind Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
        • It is difficult to establish if Punjab & Sind Bank has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
        • Unable to compare Punjab & Sind Bank's 1-year growth to the IN Banks industry average as it is not currently profitable.

        value

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        Pros

        • Punjab & Sind Bank is good value based on assets compared to the IN Banks industry average.
        • 533295 outperformed the Banks industry which returned -37.5% over the past year.
        • BSE:533295 is up 19.6% outperforming the Banks industry which returned 7.6% over the past month.
        • BSE:533295 is up 19.6% outperforming the market in India which returned 8% over the past month.
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        Cons

        • Punjab & Sind Bank is loss making, we can't compare its value to the IN Banks industry average.
        • Punjab & Sind Bank is loss making, we can't compare the value of its earnings to the India market.
        • 533295 underperformed the Market in India which returned -14.5% over the past year.

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