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PUNJAB & SIND BANK
Sector : Banks


BSE  13.35   0.35   (2.69%)   BSE Code : 533295   NSE Code : PSB

PREV. CLOSE
13.0
OPEN PRICE
13.11
CLOSE PRICE
13.35
VOLUME
58610
TODAY's LOW
13.11
TODAY's HIGH
13.5




Important Levels
Pivot Points - 13.32
Resistance 1 13.53
Resistance 2 13.71
Support 1 13.14
Support 2 12.93

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
05/08/2020 13.11 13.5 13.11 13.35 2.69 58610
04/08/2020 13.9 13.9 13.31 13.36 2.77 15944
03/08/2020 13.85 13.85 13.3 13.49 3.77 34324
31/07/2020 13.8 14.2 13.3 13.55 4.23 30436
30/07/2020 13.95 13.95 13.45 13.55 4.23 82839
29/07/2020 13.2 13.7 13.05 13.5 3.85 66855
27/07/2020 13.45 13.85 13.4 13.45 -3.93 41791
24/07/2020 14.1 14.3 14.0 14.1 0.71 37086
23/07/2020 13.8 14.65 13.5 14.4 2.86 84565
22/07/2020 14.35 14.35 13.7 14.1 8.46 575892

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 434.85 425.8 479.05 418.0 447.3
Gain / Loss % 1.6 2.13 -9.23 4.03 -2.78
BANK OF BARODA Price 46.4 46.0 48.7 49.05 50.75
Gain / Loss % 0.87 0.87 -4.72 -5.4 -8.57
BANK OF INDIA Price 48.3 46.4 48.5 46.7 49.55
Gain / Loss % 0.62 4.09 -0.41 3.43 -2.52
BANK OF MAHARASHTRA Price 11.88 12.11 11.62 10.95 10.91
Gain / Loss % 8 -1.9 2.24 8.49 8.89
CANARA BANK Price 103.15 99.3 102.05 100.75 104.4
Gain / Loss % -0.82 3.88 1.08 2.38 -1.2
CENTRAL BANK OF INDIA Price 17.5 18.5 17.85 16.65 17.45
Gain / Loss % 2.94 -5.41 -1.96 5.11 0.29
CITY UNION BANK LTD. Price 116.2 122.75 124.35 124.85 130.85
Gain / Loss % -0.68 -5.34 -6.55 -6.93 -11.2
DEVELOPMENT CREDIT BANK LTD. Price 81.8 77.9 81.4 79.85 87.3
Gain / Loss % 2.25 5.01 0.49 2.44 -6.3
Dhanlaxmi Bank Limited Price 12.29 12.67 12.98 13.05 13.74
Gain / Loss % 2.42 -3 -5.32 -5.82 -10.55
FEDERAL BANK LTD. Price 52.35 54.15 56.65 51.1 55.9
Gain / Loss % 0.67 -3.32 -7.59 2.45 -6.35
HDFC BANK LTD. Price 1027.85 1050.45 1126.4 1059.2 1105.0
Gain / Loss % -1.26 -2.15 -8.75 -2.96 -6.98
ICICI BANK LTD. Price 352.2 345.05 381.1 345.6 375.7
Gain / Loss % 0.34 2.07 -7.58 1.91 -6.25
IDBI BANK LTD. Price 38.95 40.55 38.8 39.15 50.45
Gain / Loss % 2.5 -3.95 0.39 -0.51 -22.79
INDIAN BANK Price 58.15 58.25 61.05 61.0 65.1
Gain / Loss % 0.26 -0.17 -4.75 -4.67 -10.68
INDIAN OVERSEAS BANK Price 10.41 10.49 10.92 10.27 10.62
Gain / Loss % 4.1 -0.76 -4.67 1.36 -1.98
INDUSIND BANK LTD. Price 492.85 519.85 513.45 510.85 526.2
Gain / Loss % 0.17 -5.19 -4.01 -3.52 -6.34
JAMMU & KASHMIR BANK LTD. Price 16.05 15.95 16.7 17.3 18.25
Gain / Loss % 0.31 0.63 -3.89 -7.23 -12.05
KARNATAKA BANK LTD. Price 42.05 42.15 45.55 45.45 44.4
Gain / Loss % 0.12 -0.24 -7.68 -7.48 -5.29
KARUR VYSYA BANK LTD. Price 32.95 34.4 31.45 32.65 34.6
Gain / Loss % 2.97 -4.22 4.77 0.92 -4.77
KOTAK MAHINDRA BANK LTD. Price 1333.85 1388.05 1341.8 1298.35 1368.35
Gain / Loss % 0.82 -3.9 -0.59 2.73 -2.52
LAKSHMI VILAS BANK LTD. Price 19.15 20.7 20.4 22.6 23.75
Gain / Loss % 6.39 -7.49 -6.13 -15.27 -19.37
PUNJAB & SIND BANK Price 13.35 13.55 14.1 13.1 13.95
Gain / Loss % 2.69 -1.48 -5.32 1.91 -4.3
PUNJAB NATIONAL BANK Price 32.6 31.75 34.25 33.6 36.75
Gain / Loss % 1.87 2.68 -4.82 -2.98 -11.29
SOUTH INDIAN BANK LTD. Price 6.95 6.94 7.36 7.56 8.04
Gain / Loss % 15.83 0.14 -5.57 -8.07 -13.56
STATE BANK OF INDIA Price 191.5 186.55 192.0 186.1 188.55
Gain / Loss % 0.26 2.65 -0.26 2.9 1.56
UCO BANK Price 13.85 14.18 14.14 13.31 13.94
Gain / Loss % 6.54 -2.33 -2.05 4.06 -0.65
UNION BANK OF INDIA Price 29.35 29.25 30.8 30.4 32.1
Gain / Loss % 1.21 0.34 -4.71 -3.45 -8.57
YES BANK LTD. Price 12.83 11.95 18.25 20.95 25.75
Gain / Loss % 6.92 7.36 -29.7 -38.76 -50.17

Technical Indicators

Simple Moving Average
5 Days 13.46
10 Days 13.69
15 Days 13.51
25 Days 13.8
30 Days 14.26
Exponential Moving Average
5 Days 13.45
10 Days 13.55
12 Days 13.6
20 Days 13.81

MACD
12 Day EMA 13.6
26 Day EMA 13.95
MACD -0.35
Signal Line -0.37
Other Technical Indicators
Non - Smoothed RSI 90.35
Smoothed RSI 86.05
ROC 2.69
William %R -63.41
Upper Bollinger Band 14.42
Lower Bollinger Band 12.81
Middle Bollinger Band 13.62

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Liabilities
Share Capital 564.91 400.41 400.41 400.41 475.28
Reserves & Surplus 5617.77 5742.06 5569.81 5195.76 4536
Net Worth 6182.69 6142.47 5970.22 5596.18 5011.29
Secured Loans 3682.98 2958.44 2839.01 3048.23 2305.04
Unsecured Loans 101726.17 85540.16 91249.96 86714.72 84730.16
TOTAL LIABILITIES 111591.84 94641.07 100059.2 95359.12 92046.5
Assets
Gross Block 1082.6 1095.43 1133.44 994.83 1002.72
(-) Acc. Depreciation 0 0 0 0 0
Net Block 1082.6 1095.43 1133.44 994.83 1002.72
Capital Work in Progress. 0 0 0 0 0
Investments 32981.76 27948.5 27645.04 26751.7 28294.11
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 7132.69 4589.78 4902.57 4219.51 6324.84
Loans And Advances 72562.19 63009.73 68900.37 65787.37 58887.49
Total Current Assets 79694.89 67599.51 73802.94 70006.88 65212.33
Current Liabilities 2167.41 2002.37 2522.22 2394.28 2462.66
Provisions 0 0 0 0 0
Total Current Liabilities 2167.41 2002.37 2522.22 2394.28 2462.66
NET CURRENT ASSETS 77527.48 65597.14 71280.72 67612.6 62749.67
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 111591.84 94641.07 100059.2 95359.12 92046.5

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 7948.75 8172.87 8744.34 8588.55 7972.71
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 7948.75 8172.87 8744.34 8588.55 7972.71
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 8529.95 8750.97 9222.83 9017.30 8399.99
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 1123.00 990.14 894.03 874.33 856.23
Selling Expenses 1.57 1.48 0.00 0.00 0.00
Administrative Expenses 483.00 461.47 444.62 412.12 354.53
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 1739.55 1393.49 771.49 627.33 554.21
TOTAL EXPENDITURE 3347.13 2846.59 2110.13 1913.79 1764.97
Operating Profit 627.62 706.24 837.15 392.73 409.82
EBITDA 6922.38 7297.87 7884.18 821.49 837.11
Depreciation 64.11 42.46 45.74 46.04 36.56
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 6858.27 7255.42 7838.45 775.45 800.54
Interest 5713.56 6013.54 6568.55 6909.35 6352.12
EBT -594.84 5861.92 498.40 148.12 246.33
Taxes 148.96 -352.70 162.43 26.77 -54.29
Profit and Loss for the Year -743.80 6214.62 335.97 121.35 300.63
Non Recurring Items 0.00 0.00 0.00 0.00 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -6013.54 0.00 0.00 0.00
REPORTED PAT -743.80 201.08 335.97 121.35 300.63
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 0.00 52.62 18.61 29.21
Equity Dividend (%) 0.00 0.00 13.14 4.64 10.61
Shares in Issue (Lakhs) 5649.12 4004.11 4004.11 4004.11 2752.84
EPS - Annualised (Rs) -13.17 5.02 8.39 3.03 10.92

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 1940.6 2013.66 2070.94 2018.2 2155.69
Other Income 136.41 208.91 166.97 286.17 181.44
TOTAL INCOME 2077.01 2222.57 2237.91 2304.37 2337.13
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 301.12 299.32 320.02 226.24 329.02
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 164.84 168.22 145 85.49 152.33
Provisions Made 494.3 972.62 334.53 433.76 202.79
TOTAL EXPENSES 960.26 1440.16 799.55 745.49 684.14
Operating Profit 980.34 573.5 1271.39 1272.71 1471.55
EBITDA 1116.75 782.41 1438.36 1558.88 1652.99
Depreciation 0 0 0 0 0
EBIT 1611.05 1755.03 1772.89 1992.64 1855.78
Interest 1464.12 1504.34 1503.35 1588.51 1621.7
EBT 146.93 250.69 269.54 404.13 234.08
Taxes -91.88 -253.2 -34.71 28.94 8.95
Profit and Loss for the Year 238.81 503.89 304.25 375.19 225.13
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -494.3 -972.62 -334.53 -433.76 -202.79
REPORTED PAT -255.49 -468.73 -30.28 -58.57 22.34
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 701.05 602.06 602.06 564.91 564.91
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 83.06 80.28 80.28 85.56 85.56
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of PUNJAB & SIND BANK Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share -13.17 5.02 8.39 3.03 10.92
Profitability Ratios
Operating Profit Margin(%) 7.9 8.64 9.57 4.57 5.14
Profit Before Interest And Tax Margin(%) 86.28 88.77 89.64 9.03 10.04
Net Profit Margin(%) -9.36 2.46 3.84 1.41 3.77
Return On Capital Employed(%) -0.68 6.71 0.34 0.13 0.34
Return On Net Worth(%) -12.03 3.27 5.63 2.17 6
Return on Assets(%) -0.67 0.21 0.34 0.13 0.33
Tax Rate(%) -25.04 -6.02 32.59 18.07 -22.04
Liquidity And Solvency Ratios
Current Ratio 36.77 33.76 29.26 29.24 26.48
Quick Ratio 36.77 33.76 29.26 29.24 26.48
Debt Equity Ratio 17.05 14.41 15.76 16.04 17.37
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.2 1.21 1.19 0.11 0.13
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.07 0.09 0.09 0.09 0.09
Margin Ratios
Core EBITDA Margin(%) 81.15 83.39 85.49 9.11 9.97
EBIT Margin(%) 80.4 82.91 84.99 8.6 9.53
PAT Margin(%) -9.36 2.46 3.84 1.41 3.77