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Punjab & Sind Bank Ltd.
(PSB)
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Rating:56Neutral
Price Target:
₹26.00
▼(-11.47% Downside)
Action:Reiterated
Date:04/30/26
The score is driven primarily by improving but still volatile fundamentals: profitability has recovered, but the FY2026 revenue drop, rising leverage, and inconsistent cash flows add meaningful risk. Technicals are mildly positive short-term but remain below longer-term averages, while valuation is only moderately supportive due to a low dividend yield.
Positive Factors
Profitability Recovery
Sustained return to profitability across FY2024–FY2026 indicates the bank rebuilt earnings power after prior losses. Durable profits improve retained capital, support loan growth and provisioning capacity, and reduce reliance on capital raises, strengthening long-term solvency and operational optionality.
Negative Factors
Volatile Cash Generation
Erratic operating and free cash flows reduce predictability for capital allocation, dividend policy, and loan growth. Persistent volatility forces greater liquidity buffers or external funding, constraining strategic investment and increasing sensitivity to adverse cycles over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
Sustained return to profitability across FY2024–FY2026 indicates the bank rebuilt earnings power after prior losses. Durable profits improve retained capital, support loan growth and provisioning capacity, and reduce reliance on capital raises, strengthening long-term solvency and operational optionality.
Read all positive factors
Punjab & Sind Bank Ltd. (PSB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹172.00B
Dividend Yield0.26%
Average Volume (3M)257.99K
Price to Earnings (P/E)13.0
Beta (1Y)1.96
Revenue Growth5.44%
EPS Growth24.12%
CountryIN
Employees8,735
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.69
Shares Outstanding7,095,585,400
10 Day Avg. Volume132,905
30 Day Avg. Volume257,994
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)1.04
Price to Sales (P/S)1.07
P/FCF Ratio4.39
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Punjab & Sind Bank Ltd. Business Overview & Revenue Model
Company Description
Punjab & Sind Bank, an Indian financial institution established in New Delhi in 1908, offers a comprehensive range of banking and financial services throughout the country. Its operations are divided into four primary areas: Treasury Operations, C...
How the Company Makes Money
PSB primarily makes money through a combination of (1) interest-based income and (2) non-interest (fee and other) income. Interest-based income is driven mainly by lending activities: the bank earns interest on loans and advances (such as retail l...
Punjab & Sind Bank Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 138.88B | 137.59B | 130.79B | 105.62B | 89.05B | 81.07B |
| Gross Profit | 56.52B | 55.32B | 53.81B | 37.09B | 38.86B | 36.63B |
| EBITDA | 15.78B | 19.29B | 14.83B | 10.87B | 17.68B | 13.24B |
| Net Income | 11.58B | 13.22B | 10.16B | 5.95B | 13.13B | 10.39B |
Balance Sheet | ||||||
| Total Assets | 1.65T | 1.79T | 1.62T | 1.48T | 1.36T | 1.21T |
| Cash, Cash Equivalents and Short-Term Investments | 60.71B | 62.99B | 101.89B | 73.83B | 62.97B | 90.47B |
| Total Debt | 125.36B | 163.52B | 118.80B | 106.37B | 90.18B | 24.44B |
| Total Liabilities | 1.52T | 1.65T | 1.48T | 1.32T | 1.21T | 1.07T |
| Stockholders Equity | 136.34B | 141.32B | 133.55B | 155.33B | 151.09B | 140.11B |
Cash Flow | ||||||
| Free Cash Flow | -84.63B | 33.45B | -5.33B | 26.07B | 1.34T | -61.19B |
| Operating Cash Flow | -83.95B | 35.86B | -3.65B | 28.36B | 1.43T | -59.99B |
| Investing Cash Flow | -677.80M | -221.13B | -126.31B | -2.29B | -881.60M | -1.21B |
| Financing Cash Flow | 57.14B | 160.06B | 144.33B | 93.10B | 61.97B | 40.68B |
Punjab & Sind Bank Ltd. Technical Analysis
Neutral
29.37
Price Trends
24.44
Positive
24.80
Negative
26.97
Negative
Market Momentum
0.24
Negative
53.51
Neutral
53.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PSB, the sentiment is Neutral. The current price of 29.37 is above the 20-day moving average (MA) of 24.18, above the 50-day MA of 24.44, and above the 200-day MA of 26.97, indicating a neutral trend. The MACD of 0.24 indicates Negative momentum. The RSI at 53.51 is Neutral, neither overbought nor oversold. The STOCH value of 53.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:PSB.
Punjab & Sind Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹338.44B | 12.27 | ― | 1.35% | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹639.65B | 6.20 | ― | 2.87% | 6.51% | 7.94% | |
66 Neutral | ₹1.32T | 6.77 | ― | 3.15% | -0.57% | 7.81% | |
65 Neutral | ₹1.23T | 6.68 | ― | 2.40% | 6.41% | -2.41% | |
62 Neutral | ₹1.10T | 9.40 | ― | 2.07% | 8.72% | 3.93% | |
56 Neutral | ₹172.00B | 13.03 | ― | 0.26% | 5.44% | 24.12% |
* Financial Sector Average
IN:PSB
Punjab & Sind Bank Ltd.
24.24
-8.89
-26.83%
IN:BANKINDIA
Bank of India
140.50
23.23
19.81%
IN:INDIANB
Indian Bank
817.05
180.65
28.39%
IN:PNB
Punjab National Bank
106.80
-3.06
-2.78%
IN:UCOBANK
UCO Bank
26.99
-5.40
-16.67%
IN:UNIONBANK
Union Bank of India Limited
172.40
22.82
15.26%
Punjab & Sind Bank Ltd. Corporate Events
Punjab & Sind Bank details bond disclosures and ratings under SEBI database rules
Apr 13, 2026
Punjab Sind Bank has updated the market on its listed corporate bonds and debentures in line with SEBI’s centralized database requirements, disclosing listing details for four NSE-listed ISINs and the associated record dates for upcoming in...
Punjab & Sind Bank Announces Retirement of Part-Time Non-Official Director
Apr 12, 2026
Punjab Sind Bank Ltd. has announced a change in its board composition following the completion of the tenure of one of its non-official directors. The state-owned lender disclosed the update to the stock exchanges in compliance with securities li...
Infomerics Reaffirms IVR AA/Stable Rating on Punjab & Sind Bank’s Tier II Bonds
Feb 27, 2026
Punjab Sind Bank announced that Infomerics Ratings has reaffirmed its IVR AA/Stable rating on the bank’s Rs 237.30 crore Basel III-compliant Tier II bonds. The affirmation reflects the bank’s sovereign backing, adequate capitalisation...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.