Punjab & Sind Bank

About Punjab & Sind Bank

Punjab & Sind Bank is an Indian public sector bank offering a comprehensive suite of banking and financial services. Established in 1908, it caters to retail, corporate, agriculture, and MSME segments. The bank emphasizes financial inclusion and digital initiatives, operating across India with a significant presence in North India.

Key Financial Ratios

• P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Punjab & Sind Bank's P/E ratio (TTM) is 12.73, compared to the industry median of 12.00 and large cap median of 10.01.

• P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Punjab & Sind Bank's P/B ratio is 1.19, compared to the industry median of 1.22 and large cap median of 1.06.

• P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Punjab & Sind Bank's P/S ratio is 1.41, compared to the industry median of 1.65 and large cap median of 1.29.

• PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Punjab & Sind Bank's PEG ratio is N/A.

• EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Punjab & Sind Bank's EV/EBITDA ratio is 2.73.

• Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Punjab & Sind Bank's ROE is 9.35%.

• Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Punjab & Sind Bank's ROA is -0.01%.

• Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Punjab & Sind Bank's ROCE is 70.20%.

• Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Punjab & Sind Bank's operating margin is -0.21%.

• Net Margin: Net margin shows what percentage of revenue converts into final net profit. Punjab & Sind Bank's net margin is 11.03%.

• Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Punjab & Sind Bank's current ratio is 43.29.

• Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Punjab & Sind Bank's debt-to-equity ratio is 10.11.

• Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Punjab & Sind Bank's interest coverage ratio is 1.21.

• Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Punjab & Sind Bank's DPS is ₹0.39.

• Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Punjab & Sind Bank's EPS is 30.07.

(Source line: "Ratios as of 13 Aug 2026, based on last traded price of ₹23.67. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")

Key Facts

• Founded: 1908
• Headquarters: New Delhi, Delhi
• Core Offerings: Retail Banking, Corporate Banking, Agriculture Finance, MSME Loans, Treasury Operations
• Stock Listing: NSE (PSB), BSE (533295)
• Promoter: Government of India

History of Punjab & Sind Bank

Founded in 1908 in Amritsar by Sardar Dyal Singh, Sardar Maan Singh, and Sardar Narain Singh, Punjab & Sind Bank aimed to help the weaker sections of society and foster economic growth. It was nationalized in 1980, becoming a public sector bank. Over the decades, it has expanded its branch network and diversified its offerings, focusing on retail banking, agriculture, and MSME sectors, while embracing modernization and digital banking solutions to serve a broad customer base across India.

Business Segments and Revenue Mix

• Retail Banking: Offers a diverse range of products and services including savings and current accounts, fixed deposits, housing loans, vehicle loans, personal loans, and credit/debit cards to individual customers.
• Corporate Banking: Provides financial solutions such as working capital finance, term loans, project finance, and trade finance to large and mid-sized corporate entities.
• Agriculture & MSME Banking: Focuses on extending credit to the agricultural sector for various purposes and supporting Micro, Small, and Medium Enterprises (MSMEs) with tailored loan products for business expansion and operational needs.
• Treasury Operations: Manages the bank's investment portfolio, money market operations, foreign exchange dealings, and liquidity management, playing a crucial role in overall profitability and risk management.

Key Personnel

Shri Swarup Kumar Saha, MD & CEO: Re-appointed as MD & CEO of Punjab & Sind Bank for a period of two years with effect from December 29, 2023. He brings extensive experience from his tenure at Punjab National Bank, having held various leadership positions in retail, corporate, and international banking.

Subsidiaries and Associate Companies

No major subsidiaries reported.

Corporate Actions

The bank has undergone recapitalization through preferential allotment of equity shares to the Government of India multiple times as part of capital infusion programs for public sector banks. Most recently, the Government of India infused capital through preferential allotment in FY21.

References

1. Annual Report 2023-24 2. Exchange Filings (NSE/BSE) 3. Financial Results Announcement (Q4 FY24) 4. Punjab & Sind Bank Official Website