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Smaller public sector bank owned by the Government of India, offering retail and corporate banking mainly in north India.
Smaller public sector bank owned by the Government of India, offering retail and corporate banking mainly in north India.
Earns mostly from the gap between loan interest and deposit costs, with the Government of India holding the large majority of its shares and providing fresh capital when needed, so recapitalisation is a recurring event. Its branches are concentrated in north India.
Moat: none (regulatory licence). Small, regionally concentrated PSU bank without a distinctive scale or efficiency advantage.
Headquarters: New Delhi, India · Founded: 1908
Size Punjab & Sind Bank (PSB.NS) is an India Financials company (Major Banks) with a market value of $1.52B, the 466th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹20.20 on 6 Nov 2026.
Performance Over six months the shares fell 22.3%, against +10.8% for the median peer and 0.0% for the India market (cap-weighted) — 3rd lowest of 20 in its peer set.
Growth Revenue grew 3.2% over the last twelve months (peer median +21.9%); the operating margin is 36.1% (peer median 26.9%).
Valuation It trades at 0.99× book value against a peer median of 0.96× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 14.8%; Punjab & Sind Bank delivers 10.7%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹143B | ₹139B | ₹130B | ₹110B | ₹90.1B |
| Revenue growth | — | +7% | +18% | +22% | — |
| Net income | ₹15.0B | ₹13.2B | ₹10.2B | ₹5.95B | ₹13.1B |
| Free cash flow | n/a | ₹33.5B | -₹5.33B | ₹26.0B | ₹92.8B |
| Capital expenditure | n/a | ₹2.41B | ₹1.68B | ₹2.29B | ₹903M |
| Total debt | ₹192B | ₹181B | ₹155B | ₹106B | ₹95.5B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Punjab & Sind Bank PSB.NS | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% |
| Central Bank of India CENTRALBK.NS | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% |
| Bank of Maharashtra MAHABANK.NS | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PSB.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.1% | +1.0% | 6th lowest of 21 |
| 6-month return | -22.3% | +10.8% | 3rd lowest of 20 |
| Return on equity | 10.7% | 7.9% | 9th highest of 21 |
| Price / book | 0.99× | 0.96× | 10th most expensive of 21 |
| Trailing P/E | 9.5× | 12.4× | 5th cheapest of 20 |
| ROE the price implies | 14.8% | 7.4% | 3rd most demanding of 21 |
| ROE delivered | 10.7% | 8.0% | 9th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Yamanashi Chuo Bank 8360.T | Japan | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% | 5.0% |
| Amerant Bancorp AMTB | United States | $1.15B | +26% | -8% | 8% | 1.38× | 11.0% | 7.5% |