Punjab & Sind Bank
Punjab & Sind Bank (PSB) last reported results for the quarter ended Jun 2026, with sales of ₹3,213 crore and net profit of ₹332 crore. The stock last traded at ₹21, a market capitalisation of ₹14,901 crore, on a P/E of 10.8. Over the past 52 weeks the stock has ranged between ₹20.5 and ₹32.5. Figures are as of 6 Oct 2026 and are not real time.
Punjab & Sind Bank share price and key metrics
- Current price
- ₹21
- Market cap
- ₹14,901 cr
- Stock P/E
- 10.8
- Book value
- ₹20.6
- ROE
- 9.62%
- ROCE
- 5.95%
- Dividend yield
- 1.85%
- 52w high / low
- 32.5/20.5
Metrics as of 6 Oct 2026. Not real time.
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Punjab & Sind Bank growth and returns
- 10 Years
- 3%
- 5 Years
- 11%
- 3 Years
- 14%
- TTM
- 5%
- 10 Years
- 15%
- 5 Years
- 20%
- 3 Years
- 0%
- TTM
- 25%
- 10 Years
- -9%
- 5 Years
- 4%
- 3 Years
- -23%
- 1 Year
- -29%
- 10 Years
- 0%
- 5 Years
- 8%
- 3 Years
- 7%
- Last Year
- 10%
Punjab & Sind Bank quarterly results
In the quarter ended Jun 2026, sales were ₹3,213 cr, up 10.4% from ₹2,911 cr a year earlier. Net profit was ₹332 cr, up 23.4% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 2,739 | 2,931 | 3,159 | 2,911 | 2,999 | 3,042 | 3,030 | 3,213 |
| Expenses | 924 | 902 | 1,356 | 1,046 | 967 | 1,037 | 787 | 920 |
| Operating profit | -52 | 36 | -234 | -146 | -17 | -51 | 188 | 119 |
| OPM % | -2% | 1% | -7% | -5% | -1% | -2% | 6% | 4% |
| Other income | 359 | 338 | 677 | 469 | 374 | 507 | 427 | 332 |
| Interest | 1,866 | 1,992 | 2,037 | 2,010 | 2,049 | 2,056 | 2,055 | 2,175 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 307 | 375 | 442 | 323 | 357 | 456 | 615 | 451 |
| Tax % | 22% | 25% | 29% | 17% | 18% | 26% | 31% | 27% |
| Net profit | 240 | 282 | 313 | 269 | 295 | 336 | 422 | 332 |
| EPS (₹) | 0.35 | 0.42 | 0.44 | 0.38 | 0.42 | 0.47 | 0.59 | 0.47 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Punjab & Sind Bank annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 8,173 | 7,949 | 8,559 | 7,930 | 6,974 | 7,096 | 7,993 | 9,694 | 11,481 | 11,982 | 12,284 |
| Operating profit | -377 | -1,112 | -1,702 | -2,366 | -4,206 | 364 | 828 | -134 | -85 | 152 | 239 |
| OPM % | -5% | -14% | -20% | -30% | -60% | 5% | 10% | -1% | -1% | 1% | 2% |
| Net profit | 201 | -744 | -543 | -991 | -2,733 | 1,039 | 1,313 | 595 | 1,016 | 1,322 | 1,384 |
| EPS (₹) | 5.02 | -13.17 | -9.62 | -14.13 | -6.74 | 1.53 | 1.94 | 0.88 | 1.43 | 1.86 | 1.95 |
TTM is the trailing twelve months to the most recent quarter.
Punjab & Sind Bank balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 400 | 565 | 565 | 701 | 4,053 | 6,778 | 6,778 | 6,778 | 7,096 | 7,096 |
| Reserves | 5,742 | 5,618 | 5,136 | 4,895 | 4,310 | 7,233 | 8,331 | 8,756 | 6,259 | 7,037 |
| Borrowings | 2,958 | 3,683 | 2,714 | 3,213 | 2,644 | 2,444 | 9,018 | 9,771 | 14,230 | 16,352 |
| Deposits | 85,540 | 101,726 | 98,558 | 89,668 | 96,108 | 102,137 | 109,665 | 119,410 | 129,774 | 145,829 |
| Other liabilities | 2,002 | 2,167 | 2,009 | 2,027 | 3,367 | 2,476 | 2,662 | 2,943 | 4,457 | 2,957 |
| Total liabilities | 96,643 | 113,759 | 108,982 | 100,504 | 110,482 | 121,068 | 136,455 | 147,657 | 161,815 | 179,270 |
| Fixed assets | 1,095 | 1,083 | 1,230 | 1,241 | 1,585 | 1,577 | 1,519 | 1,756 | 1,798 | 1,862 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 27,948 | 32,982 | 26,173 | 24,552 | 32,023 | 42,281 | 44,838 | 49,599 | 46,912 | 49,388 |
| Other assets | 67,600 | 79,695 | 81,579 | 74,711 | 76,874 | 77,209 | 90,097 | 96,302 | 113,105 | 128,020 |
| Total assets | 96,643 | 113,759 | 108,982 | 100,504 | 110,482 | 121,068 | 136,455 | 147,657 | 161,815 | 179,270 |
As reported by the company. Total assets equal total liabilities by construction.
Punjab & Sind Bank cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | -495 | 1,063 | -97 | 2,210 | -5,848 | -5,999 | 1,428 | 1,746 | -2,294 | -1,893 |
| Cash from investing | -33 | -51 | -61 | -63 | -446 | -121 | -88 | -229 | -168 | -241 |
| Cash from financing | 216 | 1,531 | -356 | 814 | 5,055 | 4,068 | -1,332 | -431 | 3,898 | -387 |
| Net cash flow | -313 | 2,543 | -514 | 2,960 | -1,239 | -2,051 | 8 | 1,086 | 1,437 | -2,521 |
| Free cash flow | -529 | 1,012 | -158 | 2,147 | -6,294 | -6,119 | 1,340 | 1,518 | -2,461 | -2,134 |
| CFO / operating profit | -9% | 28% | 3% | 73% | -1,111% | -142% | 27% | 31% | -39% | -19% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Punjab & Sind Bank operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | -12% | -9% | -18% | -39% | 9% | 9% | 4% | 7% | 10% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Punjab & Sind Bank shareholding pattern
Promoters held 93.85% at Jun 2026, broadly unchanged since Jun 2025. FIIs 0.14% and DIIs 3.81%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 98.25% | 98.25% | 93.85% | 93.85% | 93.85% | 93.85% | 93.85% | 93.85% |
| FIIs | 0.00% | 0.00% | 0.73% | 0.25% | 0.16% | 0.16% | 0.15% | 0.14% |
| DIIs | 0.65% | 0.65% | 4.32% | 4.08% | 4.03% | 4.00% | 3.90% | 3.81% |
| Public | 1.11% | 1.10% | 1.11% | 1.82% | 1.96% | 1.99% | 2.09% | 2.21% |
| No. of shareholders | 1,99,351 | 1,99,133 | 1,99,821 | 2,22,234 | 2,22,120 | 2,22,415 | 2,22,301 | 2,21,849 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Cruxal coverage of Punjab & Sind Bank
Punjab & Sind Bank corporate filings
- SEBI Regulatory Filing Confirms Rs 3,000 crore Infrastructure Bond Rating Reaffirmation at 'IND AA' / Stable by India RatingsCompany Updatehigh impact
Cruxal's analysis: Punjab and Sind Bank (PSB) has received formal confirmation from India Ratings that its…
Read the full analysis - Fitch Ratings assigns Punjab & Sind Bank a first-time 'BBB-' long-term issuer rating with a Stable outlook, reflecting improved financial profile, asset quality, and government support prospects.Company Updatehigh impact
Cruxal's analysis: Punjab & Sind Bank (PSB) has received a 'BBB-' rating from Fitch, with a Stable outlook…
Read the full analysis - Punjab & Sind Bank releases provisional business figures for Q4 FY2026, showing increased revenue and profit marginsCompany Updatelow impact
Cruxal's analysis: The bank reported a revenue of Rs 3,030 crore and a net profit of Rs 422 crore for the…
Read the full analysis - Closure of Trading WindowInsider Trading / SASTlow impact
- Outcome of Board Meeting under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015Board Meetingmedium impact
- Punjab & Sind Bank schedules board meeting to consider foreign currency debt issuanceBoard Meetingmedium impact
Cruxal's analysis: Punjab & Sind Bank has announced a board meeting scheduled for September 29, 2026, to…
Read the full analysis - Punjab & Sind Bank announces tenure extension for Executive Director Ravi MehraCompany Updatelow impact
Cruxal's analysis: Punjab & Sind Bank has received notification from the Department of Financial Services…
Read the full analysis - Punjab & Sind Bank reports notice of strike by employee unionsCompany Updatelow impact
Cruxal's analysis: Punjab & Sind Bank has disclosed a notice of strike received from employee unions. As a…
Read the full analysis - Punjab and Sind Bank receives CRISIL AA/Stable rating reaffirmation for debt instrumentsCompany Updatelow impact
Cruxal's analysis: Punjab and Sind Bank has had its CRISIL AA/Stable rating reaffirmed for its 3,000 crore…
Read the full analysis - Punjab & Sind Bank reports notice of strike by employee unionsCompany Updatelow impact
Cruxal's analysis: Punjab & Sind Bank has disclosed a notice of strike received from employee unions, a…
Read the full analysis - Punjab & Sind Bank Reports Strong Q1 FY27 Financial Performance with Net Profit Growth to 331 croreCompany Updatehigh impact
Cruxal's analysis: Punjab & Sind Bank has released its corporate presentation for September 2026…
Read the full analysis - Punjab & Sind Bank receives reaffirmed CARE AA; Stable rating for Tier II bondsCompany Updatelow impact
Cruxal's analysis: Punjab & Sind Bank has had its CARE AA; Stable rating reaffirmed for three series of Tier…
Read the full analysis - Punjab & Sind Bank announces appointment of Shri Kristam Subba Raju Guptha as Part-Time Non-Official DirectorCompany Updatelow impact
Cruxal's analysis: Punjab & Sind Bank has informed the exchanges regarding the nomination of Shri Kristam…
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