Punjab & Sind Bank
PSB · General/Diversified · NSE
₹25
Current Market Price
Fair Value (DCF)
₹21
Margin of Safety
-17.1%
Updated just now
YieldIQ Score
23/100
Piotroski F-Score
4/9
Economic Moat
Moderate
Confidence
27%
ROE
7.6%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.18 Lakh 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
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹25.02
Bear case
₹10.7
MoS -133.8%
Base case
₹20.73
MoS -20.7%
Bull case
₹29.05
MoS +13.9%
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 | 2020 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹5381 Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹1016 Cr | +0.0% |
| EPS (diluted) | ₹-15.76 | ₹2.56 | ₹1.94 | ₹0.21 | — | — |
| CFO | — | — | — | — | ₹-2294 Cr | — |
| CapEx | — | — | — | — | ₹-168 Cr | — |
| FCF | — | — | — | — | ₹-2461 Cr | — |
| Total Assets | — | ₹121.1K Cr | ₹136.5K Cr | ₹147.7K Cr | ₹161.8K Cr | +7.5% |
| Total Debt | — | — | — | — | ₹11.9K Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹13.4K Cr | +0.0% |
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 | 11.9% | — |
| J&KBANK J&KBANK | — | — | Pending | 14.7% | — |
| UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
| TMB Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 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
0.28%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Punjab & Sind Bank (PSB.NS) trades at 25.02 vs a model fair value of 20.73, a gap of -17.1%. Piotroski F-score: 4/9. 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.