Punjab & Sind Bank
PSB · General/Diversified · NSE
₹24
Current Market Price
Fair Value (DCF)
₹29
Discount to FV
+21.2%
Updated just now
YieldIQ Score
54/100
Piotroski F-Score
5/9
Economic Moat
Moderate
Confidence
33%
ROE
7.6%
Debt/Equity
0.89
WACC
9.8%
Market Cap
₹17,037 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.03×
Revenue per ₹ of assets
Revenue CAGR (3Y)
12.9%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹24.01
Bear case
Margin of Safety -117.9%
Implied upside -54.1%
Base case
Margin of Safety +14.9%
Implied upside +17.5%
Bull case
Margin of Safety +28.8%
Implied upside +40.4%
Ratio Trends
PSB · last 5 annual periods
ROE
7.6%
ROCE
—
Operating Margin
—
Debt / Equity
0.89×
PE
—
EV / EBITDA
—
Historical Financials
PSB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹3663 Cr | ₹3886 Cr | ₹3709 Cr | ₹5351 Cr | ₹5589 Cr | +11.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹1039 Cr | ₹1313 Cr | ₹595 Cr | ₹1016 Cr | ₹1322 Cr | +6.2% |
| EPS (diluted) | ₹2.56 | ₹1.94 | ₹0.88 | — | — | -23.4% |
| CFO | ₹-5999 Cr | ₹1428 Cr | ₹1746 Cr | ₹-2294 Cr | ₹-1893 Cr | — |
| CapEx | ₹-121 Cr | ₹-90.3 Cr | ₹-229 Cr | ₹-168 Cr | ₹-241 Cr | — |
| FCF | ₹-6119 Cr | ₹1338 Cr | ₹1517 Cr | ₹-2461 Cr | ₹-2134 Cr | — |
| Total Assets | ₹121.1K Cr | ₹136.5K Cr | ₹147.7K Cr | ₹161.8K Cr | ₹179.3K Cr | +10.3% |
| Total Debt | ₹2444 Cr | ₹9018 Cr | ₹9171 Cr | ₹11.9K Cr | ₹16.4K Cr | +60.8% |
| Shareholders' Equity | ₹14.0K Cr | ₹15.1K Cr | ₹15.5K Cr | ₹13.4K Cr | ₹14.1K Cr | +0.2% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
PSB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 RBLBANK RBLBANK | — | — | Pending | 4.6% | — |
 CUB CUB | — | — | Pending | 12.6% | 17.9× |
 J&KBANK J&KBANK | — | — | Pending | 14.3% | 5.1× |
 UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
 TMB TMB | — | — | Pending | 13.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
5 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹1.06/sh
Last payout
2025-07-29
₹0.07
Peak payout
₹1.65
Trailing yield
0.29%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Punjab & Sind Bank (PSB.NS) trades at 24.01 vs a model fair value of 29.11, a gap of 21.2%. Piotroski F-score: 5/9. Moat label: Moderate....
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of PSB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for PSB →
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Head-to-head with peers
Compare PSB side by side →
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Analyse PSBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.