Punjab & Sind Bank Ltd. (PSB) AI Stock Analysis

• Market Cap: ₹211.87B
• Dividend Yield: 0.24%
• Average Volume (3M): 183.60K
• Price to Earnings (P/E): 18.6
• Beta (1Y): 2.26
• Revenue Growth: 20.55%
• EPS Growth: 74.68%
• Country: IN
• Employees: 8,735
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 7,095,585,400
• 10 Day Avg. Volume: 192,064
• 30 Day Avg. Volume: 183,605
• PEG Ratio: 0.33
• Price to Book (P/B): 1.75
• Price to Sales (P/S): 1.79
• P/FCF Ratio: -43.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹30.00
• Price Target Upside: 2.15% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 60 Neutral
• Price Target: ₹30.00 ▲(2.15% Upside)

Punjab & Sind Bank Ltd. has a balanced stock score driven by its mixed financial performance and stable technical indicators. The financial performance shows potential but is offset by leverage concerns and inconsistent cash flow. The technical analysis indicates a stable price trend with mild bullish momentum. Valuation metrics suggest the stock is fairly valued, though the low dividend yield may not appeal to income-focused investors.

Punjab & Sind Bank Ltd. Business Overview & Revenue Model

Company Description

Punjab & Sind Bank provides various banking and financial products and services in India. It operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, business, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. It also provides non fund based products, including letter of credit, LC advising/confirming, bank guarantee, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, the company offers locker facility, government schemes, and life and general insurance; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. It operates through 24 zonal offices comprising 1530 branches. Punjab & Sind Bank was incorporated in 1908 and is headquartered in New Delhi, India.

How the Company Makes Money

Punjab & Sind Bank Ltd. generates revenue primarily through interest income from its loan and credit offerings, including personal loans, home loans, business loans, and agricultural loans. Additionally, the bank earns income from service charges and fees on various banking services such as account maintenance, transaction processing, and advisory services. PSB also invests in government securities and other financial instruments, which contribute to its non-interest income. The bank's strategic partnerships with financial institutions and collaborations with government schemes further enhance its revenue streams.

Punjab & Sind Bank Ltd. Financial Statement Overview

Summary

Punjab & Sind Bank Ltd. shows strong profitability and growth potential in its income statement. However, leverage concerns from the balance sheet and inconsistent cash flow performance present challenges to financial stability.

Income Statement

Punjab & Sind Bank Ltd. has shown a significant improvement in its income statement metrics. The gross profit margin has been consistently strong, and the net profit margin has been improving, indicating enhanced profitability. Revenue growth has been volatile but shows an upward trend, especially in the latest year. The EBIT and EBITDA margins have also shown resilience, reflecting strong operational efficiency.

Balance Sheet

The balance sheet reveals a mixed financial position. While there is a reasonable equity ratio and a declining debt-to-equity ratio, suggesting improved financial stability, the return on equity is not exceptionally high. The bank's total assets have grown, but the high total liabilities indicate potential leverage risks.

Cash Flow

Cash flow analysis shows fluctuating free cash flow with periods of negative free cash flow, which can be concerning. The operating cash flow has been inconsistent, and the ratio of operating cash flow to net income indicates potential cash flow issues. Nevertheless, the recent increase in free cash flow is a positive sign.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	136.12B	130.49B	35.27B	89.05B	81.07B	-3.39B
Gross Profit	57.07B	53.81B	35.27B	37.76B	36.63B	-3.39B
EBITDA	14.47B	14.83B	10.87B	17.68B	13.24B	-33.02B
Net Income	11.03B	10.16B	5.95B	13.13B	10.39B	-27.33B
Balance Sheet
Total Assets	1.62T	1.62T	1.48T	1.36T	1.21T	1.10T
Cash, Cash Equivalents and Short-Term Investments	68.87B	101.89B	73.83B	62.97B	90.47B	116.57B
Total Debt	124.57B	118.80B	106.37B	90.18B	24.44B	26.44B
Total Liabilities	1.48T	1.48T	1.32T	1.21T	1.07T	1.02T
Stockholders Equity	136.57B	133.55B	155.33B	151.09B	140.11B	83.63B
Cash Flow
Free Cash Flow	0.00	-5.33B	26.07B	1.34T	-61.19B	-62.94B
Operating Cash Flow	0.00	-3.65B	28.36B	1.43T	-59.99B	-58.48B
Investing Cash Flow	0.00	-126.31B	-2.29B	-881.60M	-1.21B	-4.46B
Financing Cash Flow	0.00	144.33B	93.10B	61.97B	40.68B	50.55B

Punjab & Sind Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 29.37
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PSB, the sentiment is Negative. The current price of 29.37 is below the 20-day moving average (MA) of 29.64, above the 50-day MA of 29.04, and below the 200-day MA of 35.21, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 48.77 is Neutral, neither overbought nor oversold. The STOCH value of 43.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:PSB.

Punjab & Sind Bank Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KARURVYSYA	74 Outperform	₹211.20B	10.53	―	0.96%	14.84%	17.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RBLBANK	65 Neutral	₹167.69B	28.65	―	0.35%	11.64%	-55.39%
CUB	62 Neutral	₹163.29B	14.01	―	0.93%	14.10%	10.60%
PSB	60 Neutral	₹211.87B	18.56	―	0.24%	20.55%	74.68%
BANDHANBNK	55 Neutral	₹265.00B	12.90	―	0.93%	12.68%	-20.15%