PSB

PUNJAB & SIND BANK·PSU BANKS 46.15BANKS 52.98·Banks

2026-10-22 NSE BSE Result 17 Oct

Price

20.35

-2.31%
O:20.66
H:20.71
L:20.31
C:20.35

52W Range

20.3132.46
+0%/-37%

Market Cap

₹14,439.52 Cr

Traded: ₹2.17 Cr (0.02%) 0.0x

Free Float: ₹323.45 Cr (0.67% of FF traded)

Volume · 60D trend

10.64 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-3% 3M:-13% 6M:-19% 12M:-26%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E9.6
P/B1.0
P/S--
EV/EBIT--

Business Strength

ROE9.6%
ROCE6.0%
OPM--
NPM--

Growth (3Y CAGR)

EPS+30.1%
Sales+14.0%
Profit+0.0%
3Y Return-20.0%

Balance Sheet

Debt/Equity11.9
Debt1,72,542 Cr
Pledge0.0%
CWIP/Fixed Asset0.0%

Cash Position

CFO/NP-143.2%
FCF-2,134 Cr
FCF 3Y Avg-3,077 Cr
Cash/MCap50.0%

Others

Div Yield1.8%
Div Payout21.0%
Cash Conv. Cycle--
Tradeable Free Float2.2%
PSB20.35 -2.31% NSEBSE20% 17 Oct
NOUS
BNF
MCap14.4K Cr
Vol10.64 L
RVol
Del%
TVal2.17 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 24.03 Cr
7.43% FF
60d high
₹ 27.53 Cr
60d low
₹ 23.79 Cr
60d mean
₹ 24.93 Cr
vs mean
▼ 3.62%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
+3.0%
+11.0%
+14.0%
--
+6.0%
Stable
ROE
+0.0%
+8.0%
+7.0%
--
--
Stable
Return
-9.0%
+2.0%
-20.0%
-28.0%
--
Decelerating
Profit
+15.0%
+20.0%
+0.0%
--
+30.0%
Stable

Quarterly Results

Sep 2026

17 Oct
Rev
--
----
OPM--
NPM--
PAT
+40% YoY▲412 Cr
EPS
+38% YoY▲0.6

Jun 2026

18 Jul
Rev
--
----
OPM--
NPM--
PAT
+23% YoY▼332 Cr
EPS
+24% YoY▼0.5

Mar 2026

PDF
Rev
--
----
OPM--
NPM--
PAT
+35% YoY▲422 Cr
EPS
+34% YoY▲0.6

Dec 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+19% YoY▲336 Cr
EPS
+12% YoY▲0.5

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+23% YoY▲295 Cr
EPS
+20% YoY▲0.4

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+48% YoY▼269 Cr
EPS
+41% YoY▼0.4

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+124% YoY▲313 Cr
EPS
+110% YoY▲0.4

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+147% YoY▲282 Cr
EPS
+147% YoY▲0.4

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+27% YoY▲240 Cr
EPS
+25% YoY▲0.3

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+19% YoY▲182 Cr
EPS
+17% YoY▲0.3

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-70% YoY▲139 Cr
EPS
-69% YoY▲0.2

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
-69% YoY▼114 Cr
EPS
--▼0.2

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
-32% YoY▲189 Cr
EPS
--▲0.3

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
-25% YoY▼153 Cr
EPS
--▼0.2

Mar 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+32% YoY457 Cr
EPS
--0.7

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-14.7x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-1.9K Cr
Investing Cash Flow-241 Cr
Financing Cash Flow-387 Cr
Free Cash Flow-2.1K Cr

Detailed Financials

Sep 2026PDF ↗
Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Sales------------------------------
Expenses9489207871,0379671,0461,356902924831875920648682638
Operating Profit------------------------------
Other Income352332427507374469677338359194413362268179547
Interest2,2342,1752,0552,0562,0492,0102,0371,9921,8661,8021,7921,7521,7311,5781,421
Depreciation000000000000000
Profit Before Tax565451615456357323442375307213227181295234593
Tax %27.0%27.0%31.0%26.0%18.0%17.0%29.0%25.0%22.0%15.0%39.0%37.0%36.0%35.0%23.0%
Net Profit412332422336295269313282240182139114189153457
Exceptional Items------------------------------
EPS (Rs)0.60.50.60.50.40.40.40.40.30.30.20.20.30.20.7
Sales Growth (YoY)------------------------------
Sales Growth (QoQ)------------------------------
OP Growth (YoY)------------------------------
OP Growth (QoQ)------------------------------
Profit Growth (YoY)40.0%23.0%35.0%19.0%23.0%48.0%124.0%147.0%27.0%19.0%-70.0%-69.0%-32.0%-25.0%32.0%
EPS Growth (YoY)38.1%23.7%34.1%11.9%20.0%40.7%109.5%147.1%25.0%17.4%-68.7%--------
EPS Growth (QoQ)23.4%-20.3%25.5%11.9%10.5%-13.6%4.8%20.0%29.6%28.6%23.5%-39.3%21.7%-65.7%--
OP Margin------------------------------
Net Margin------------------------------
Material Cost %------------------------------
Employee Cost %14.7%15.4%16.4%18.4%16.3%18.0%20.3%16.8%18.0%17.4%20.7%22.0%17.9%19.5%21.8%
P/S------------------------------
P/E9.6410.9213.32------------------------
P/B0.991.071.24------------------------

Shareholding Pattern

Shareholders:2.2L (+51.1%)
Current MixSep 2026

Exchange Filings

50
Company Update19 Oct 2026

Analyst Meet on Financial Results for Quarter (Q2) / Half Year ended September 30, 2026

Company Update19 Oct 2026

Publication of Reviewed Unaudited Financial Results of the Bank for the Quarter (Q2) / Half Year ended September 30, 2026.

Company Update17 Oct 2026

Investor Presentation

Company Update17 Oct 2026

Reviewed / Unaudited Financial Results of the Bank for the Quarter (Q2) / Half Year ended September 30, 2026

Result17 Oct 2026

Reviewed / Unaudited Financial Results of the Bank for the Quarter (Q2) / Half Year ended September 30, 2026

Board Meeting17 Oct 2026

Outcome of Board Meeting

Company Update14 Oct 2026

Schedule of Earnings Call with Analysts & Investors on the Unaudited Reviewed Financial Results for the Quarter ended September 30, 2026

Board Meeting14 Oct 2026

Punjab & Sind Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 17/10/2026 ,inter alia, to consider and approve the Unaudited Reviewed Financial ....

Company Update14 Oct 2026

Details of Bonds issued and Outstanding as on 30.09.2026

Company Update06 Oct 2026

Rating by India Ratings

Company Update05 Oct 2026

Ratings by Fitch Ratings

Company Update01 Oct 2026

Provisional Business figures of the Bank

Board Meeting29 Sept 2026

Outcome of Board Meeting under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015

Insider Trading / SAST29 Sept 2026

Closure of Trading Window

Board Meeting24 Sept 2026

Punjab & Sind Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/09/2026 ,inter alia, to consider and approve Intimation of Board Meeting ....

Company Update23 Sept 2026

Extension of tenure of Sh Ravi Mehra, Executive Director

Company Update22 Sept 2026

Notice of Strike

Company Update10 Sept 2026

Rating by CRISIL Ratings

Company Update10 Sept 2026

Notice of Strike

Company Update01 Sept 2026

Corporate Presentation

Company Update22 Aug 2026

Credit Rating by CARE Ratings

Company Update13 Aug 2026

Nomination of Shri Kristam Subba Raju Guptha as Part-Time Non-Official Director on the Board of the Bank

AGM/EGM28 Jul 2026

We submit that the 16th Annual General Meeting of Punjab & Sind Bank was held today i.e. July 28, 2026 at 11.00 AM through Video Conferencing (VC) / Other Audio Visual Means (OAVM). In ....

Company Update27 Jul 2026

Analyst Meet Transcript

Board Meeting18 Jul 2026

Outcome of Board Meeting

Result18 Jul 2026

Results for the Quarter ended June 2026

Company Update18 Jul 2026

FINANCIAL RESULTS FOR THE QUARTER ENDED 30th June 2026

Company Update18 Jul 2026

Investor Presentation

Board Meeting15 Jul 2026

Punjab & Sind Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 18/07/2026 ,inter alia, to consider and approve Board meeting to consider and ....

Company Update15 Jul 2026

Schedule of Earnings Call with Analysts & Investors on the Unaudited Reviewed Financial Results for the Quarter ended June 30, 2026.

Company Update08 Jul 2026

Receipt of Licence from IFSCA for establishing IFSC Banking Unit at GIFT IFSC

Company Update07 Jul 2026

16th Annual General Meeting: Newspaper Publication

Others06 Jul 2026

Annual Report 2025-26

AGM/EGM06 Jul 2026

Notice of 16th Annual General Meeting

Others06 Jul 2026

Business Responsibility and Sustainability Report

AGM/EGM02 Jul 2026

16th Annual General Meeting

Corp. Action02 Jul 2026

Record date for Final Dividend for FY 2025-26

Company Update01 Jul 2026

Change in Management

Company Update01 Jul 2026

Provisional Business figures of the Bank

Insider Trading / SAST30 Jun 2026

Closure of Trading Window

Company Update07 May 2026

Notice of Strike

Company Update06 May 2026

Transcript of the Earnings Call with Analysts/Investors on Audited Financial Results for Quarter & Financial Year ended 31st March, 2026

Company Update29 Apr 2026

Newspaper Publication

Company Update28 Apr 2026

Analyst Meet on Financial Results for Quarter (Q4) / Year ended 31st March, 2026

Result27 Apr 2026

Outcome of Board Meeting held on April 27, 2026

Company Update27 Apr 2026

Investor Presentation

Company Update27 Apr 2026

Punjab & Sind Bank - Press Release dated April 27, 2026

Board Meeting27 Apr 2026

Outcome of Board Meeting held on April 27, 2026

Company Update23 Apr 2026

This is further to our intimation dated April 22, 2026 wherein it was informed that a meeting of the Board of Directors will be held on April 27, 2026 to, interalia, consider and approve ....

Board Meeting22 Apr 2026

Punjab & Sind Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 27/04/2026 ,inter alia, to consider and approve Intimation of Board Meeting ....

Credit Ratings

6
fitchRating update
07 Oct 2025Report
crisilRating update
10 Sept 2025Report
careRating update
22 Aug 2025Report
brickworkRating update
16 May 2025Report
icraRating update
10 Mar 2025Report
fitchRating update
23 Oct 2024Report

Concalls

26

Jan 2026

31 Jan 2026

Jan 2026

31 Jan 2026

Oct 2025

31 Oct 2025

Jul 2025

31 Jul 2025

May 2025

31 May 2025

Mar 2025

31 Mar 2025

Mar 2025

31 Mar 2025

Jan 2025

31 Jan 2025

Oct 2024

31 Oct 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Jan 2023

31 Jan 2023

Nov 2022

30 Nov 2022

Nov 2022

30 Nov 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Jul 2021

31 Jul 2021

May 2021

31 May 2021

Feb 2021

28 Feb 2021

Feb 2020

29 Feb 2020

Held by ETFs

6 ETFs hold psb · sorted by weight

#ETFWeight %
1

BANKPSU

MIRAEAMC - BANKPSU

0.27%
2

PSUBNKIETF

ICICIPRAMC - PSUBANKICI

0.27%
3

GROWWPSUBK

GROWWAMC - GROWWPSUBK

0.27%
4

PSUBNKBEES

NIP IND ETF PSU BANK BEES

0.27%
5

PSUBANK

KOTAK PSU BANK

0.27%
6

HDFCPSUBK

HDFCAMC HDFCPSUBK

0.27%

Held by Mutual Funds

1 schemes hold psb · sorted by weight

#SchemeWeight %
1

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.01%