PSB

Punjab & Sind Bank

Public-sector bank offering retail, agriculture and corporate banking products

Financial Services›Financial Services›Banks›Public Sector Bank

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Key metrics

Price as of 2026-10-16

Stock price
₹21.29
Market cap
15,107 Cr
Stock P/E
10.1
P/B
1.04
Dividend yield
0.3%
ROE (FY26)
10.1%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Punjab & Sind Bank (PSB) is a public sector bank that takes deposits and lends to retail, agriculture, MSME and corporate customers across India, with a growing push into RAM (retail, agriculture and MSME) lending.

Company snapshot

12thBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 49.9% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/Wholesale Banking
49.9%
1,631 Cr261 Cr57,582 Cr
Other Banking Operations
0.2%
6 Cr6 Cr0 Cr
Retail Banking
23.3%
762 Cr125 Cr48,649 Cr
Treasury
26.6%
870 Cr170 Cr46,819 Cr

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income739 Cr1,089 Cr850 Cr873 Cr939 Cr1,122 Cr900 Cr950 Cr986 Cr975 Cr1,039 Cr1,161 Cr
Other income362 Cr13 Cr194 Cr359 Cr338 Cr677 Cr469 Cr374 Cr507 Cr427 Cr332 Cr352 Cr
Net operating income1,101 Cr1,102 Cr1,044 Cr1,232 Cr1,277 Cr1,799 Cr1,369 Cr1,324 Cr1,493 Cr1,402 Cr1,371 Cr1,513 Cr
Employee cost548 Cr513 Cr460 Cr493 Cr493 Cr642 Cr524 Cr489 Cr560 Cr496 Cr495 Cr499 Cr
Other expenses276 Cr253 Cr267 Cr281 Cr300 Cr340 Cr305 Cr330 Cr339 Cr364 Cr330 Cr396 Cr
Provisions & contingencies96 Cr110 Cr103 Cr151 Cr109 Cr374 Cr217 Cr148 Cr138 Cr-73 Cr94 Cr52 Cr
Depreciation————————————
Profit before tax181 Cr227 Cr213 Cr307 Cr375 Cr442 Cr323 Cr357 Cr456 Cr615 Cr451 Cr565 Cr
Tax %36.7%38.6%14.9%22.0%24.7%29.3%16.7%17.6%26.3%31.5%26.6%27.1%
Net profit114 Cr139 Cr182 Cr240 Cr282 Cr313 Cr269 Cr295 Cr336 Cr422 Cr332 Cr412 Cr
EPS (₹)₹0.17₹0.21₹0.27₹0.35₹0.42₹0.46₹0.38₹0.42₹0.47₹0.59₹0.47₹0.58

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,159 Cr2,235 Cr2,280 Cr2,058 Cr2,262 Cr2,651 Cr2,973 Cr3,998 Cr3,784 Cr3,811 CrSign in free for the trailing twelve months
Other income578 Cr581 Cr828 Cr897 Cr903 Cr959 Cr940 Cr65 Cr1,568 Cr1,778 CrSign in free for the trailing twelve months
Net operating income2,737 Cr2,816 Cr3,108 Cr2,955 Cr3,165 Cr3,611 Cr3,913 Cr4,063 Cr5,351 Cr5,589 CrSign in free for the trailing twelve months
Employee cost——1,176 Cr1,211 Cr1,688 Cr1,453 Cr1,544 Cr1,944 Cr2,088 Cr2,069 CrSign in free for the trailing twelve months
Other expenses——535 Cr647 Cr705 Cr827 Cr919 Cr987 Cr1,188 Cr1,338 CrSign in free for the trailing twelve months
Provisions & contingencies——2,256 Cr2,619 Cr4,175 Cr143 Cr-170 Cr194 Cr737 Cr429 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax——-859 Cr-1,522 Cr-3,404 Cr1,187 Cr1,620 Cr937 Cr1,338 Cr1,752 CrSign in free for the trailing twelve months
Tax %——36.7%34.9%19.7%12.4%18.9%36.5%24.1%24.6%Sign in free for the trailing twelve months
Net profit201 Cr-744 Cr-543 Cr-991 Cr-2,733 Cr1,039 Cr1,313 Cr595 Cr1,016 Cr1,322 CrSign in free for the trailing twelve months
EPS (₹)₹5.02₹-18.49₹-9.62₹-15.76₹-35.71₹2.56₹1.94₹0.88₹1.50₹1.86Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%16.0%54.6%13.3%3.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital400 Cr565 Cr565 Cr701 Cr4,053 Cr6,778 Cr6,778 Cr6,778 Cr6,778 Cr7,096 Cr
Reserves5,742 Cr5,618 Cr5,136 Cr4,895 Cr4,310 Cr7,233 Cr8,331 Cr7,689 Cr5,196 Cr5,976 Cr
Borrowings2,958 Cr3,683 Cr2,714 Cr3,213 Cr2,644 Cr2,444 Cr9,018 Cr9,771 Cr14,230 Cr16,352 Cr
Other liabilities87,543 Cr1,03,894 Cr1,00,567 Cr91,694 Cr99,475 Cr1,04,613 Cr1,12,328 Cr1,23,419 Cr1,35,611 Cr1,49,846 Cr
Total liabilities96,643 Cr1,13,759 Cr1,08,982 Cr1,00,504 Cr1,10,482 Cr1,21,068 Cr1,36,455 Cr1,47,657 Cr1,61,815 Cr1,79,270 Cr
Fixed assets (net)1,095 Cr1,083 Cr1,230 Cr1,241 Cr1,585 Cr1,577 Cr1,519 Cr1,756 Cr1,779 Cr1,862 Cr
CWIP——————————
Investments27,949 Cr32,982 Cr26,173 Cr24,552 Cr32,023 Cr42,281 Cr44,838 Cr49,599 Cr46,912 Cr49,388 Cr
Loans & advances58,335 Cr66,569 Cr69,176 Cr58,412 Cr60,942 Cr63,627 Cr76,819 Cr82,736 Cr97,300 Cr1,15,912 Cr
Cash & bank4,365 Cr6,256 Cr4,941 Cr9,488 Cr7,209 Cr6,139 Cr6,225 Cr7,312 Cr8,794 Cr6,230 Cr
Other assets4,900 Cr6,869 Cr7,462 Cr6,811 Cr8,724 Cr7,443 Cr7,052 Cr6,253 Cr7,030 Cr5,879 Cr
Total assets96,643 Cr1,13,759 Cr1,08,982 Cr1,00,504 Cr1,10,482 Cr1,21,068 Cr1,36,455 Cr1,47,657 Cr1,61,815 Cr1,79,270 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-495 Cr1,063 Cr-97 Cr2,210 Cr-5,848 Cr-5,999 Cr1,428 Cr1,749 Cr-2,293 Cr-1,893 Cr
Cash from investing-33 Cr-51 Cr-61 Cr-63 Cr-446 Cr-121 Cr-88 Cr-229 Cr-168 Cr-241 Cr
Cash from financing216 Cr1,531 Cr-356 Cr814 Cr5,055 Cr4,068 Cr-1,332 Cr-434 Cr3,898 Cr-387 Cr
Net cash flow-313 Cr2,543 Cr-514 Cr2,960 Cr-1,239 Cr-2,051 Cr9 Cr1,086 Cr1,437 Cr-2,521 Cr
Free cash flow (OCF − Capex)-529 Cr1,012 Cr-168 Cr2,146 Cr-6,294 Cr-6,119 Cr1,338 Cr1,520 Cr-2,461 Cr-2,134 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %3.3%-12.0%-9.5%-17.7%-32.7%7.4%8.7%4.1%8.5%10.1%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——8,606 Cr8,875 Cr9,334 Cr8,565 Cr5,648 Cr4,665 Cr3,370 Cr2,831 Cr
Gross NPA %10.4%11.2%11.8%14.2%13.8%12.2%7.0%5.4%3.4%2.4%
Net NPA——4,994 Cr4,684 Cr2,462 Cr1,742 Cr1,412 Cr1,350 Cr937 Cr919 Cr
Net NPA %7.5%6.9%7.2%8.0%4.0%2.7%1.8%1.6%1.0%0.8%
CET1 %9.1%8.4%7.8%7.6%12.0%12.8%14.3%14.7%15.6%15.9%
Additional Tier 1 %0.0%1.5%1.7%2.0%1.9%2.0%0.0%0.0%0.0%0.0%
ROA %0.2%-0.7%-0.5%-0.9%-2.5%0.9%1.3%0.4%0.7%0.8%