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PUNJAB & SIND BANK
Sector : Banks


BSE  13.36   0.36   (2.77%)   BSE Code : 533295   NSE Code : PSB

PREV. CLOSE
13.0
OPEN PRICE
13.5
CLOSE PRICE
13.36
VOLUME
53124
TODAY's LOW
13.25
TODAY's HIGH
13.5




Important Levels
Pivot Points - 13.37
Resistance 1 13.49
Resistance 2 13.62
Support 1 13.24
Support 2 13.12

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 13.5 13.5 13.25 13.36 2.77 53124
11/08/2020 13.55 13.55 12.85 13.09 0.69 46676
10/08/2020 13.3 13.3 13.0 13.18 1.38 17443
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

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 13.27
10 Days 13.39
15 Days 13.55
25 Days 13.61
30 Days 13.91
Exponential Moving Average
5 Days 13.3
10 Days 13.4
12 Days 13.45
20 Days 13.66

MACD
12 Day EMA 13.45
26 Day EMA 13.8
MACD -0.35
Signal Line -0.37
Other Technical Indicators
Non - Smoothed RSI 91.24
Smoothed RSI 89.47
ROC -5.25
William %R -71.67
Upper Bollinger Band 14.27
Lower Bollinger Band 12.72
Middle Bollinger Band 13.5

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-20 Mar-19 Mar-18 Mar-17 Mar-16
Liabilities
Share Capital 701.05 564.91 564.91 400.41 400.41
Reserves & Surplus 4895.34 5136.49 5617.77 5742.06 5569.81
Net Worth 5596.4 5701.4 6182.69 6142.47 5970.22
Secured Loans 3213.05 2714 3682.98 2958.44 2839.01
Unsecured Loans 89667.55 98557.6 101726.17 85540.16 91249.96
TOTAL LIABILITIES 98477 106973.01 111591.84 94641.07 100059.2
Assets
Gross Block 1240.83 1230.38 1082.6 1095.43 1133.44
(-) Acc. Depreciation 0 0 0 0 0
Net Block 1240.83 1230.38 1082.6 1095.43 1133.44
Capital Work in Progress. 0 0 0 0 0
Investments 24552.1 26172.93 32981.76 27948.5 27645.04
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 9578.25 6618.22 7132.69 4589.78 4902.57
Loans And Advances 65132.63 74960.51 72562.19 63009.73 68900.37
Total Current Assets 74710.88 81578.73 79694.89 67599.51 73802.94
Current Liabilities 2026.81 2009.04 2167.41 2002.37 2522.22
Provisions 0 0 0 0 0
Total Current Liabilities 2026.81 2009.04 2167.41 2002.37 2522.22
NET CURRENT ASSETS 72684.08 79569.69 77527.48 65597.14 71280.72
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 98477 106973.01 111591.84 94641.07 100059.2

Profit and Loss

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
INCOME:
Sales Turnover 7929.53 8558.67 7948.75 8172.87 8744.34
Excise Duty .00 .00 0.00 0.00 0.00
NET SALES 7929.53 8558.67 7948.75 8172.87 8744.34
Other Income 897.3975 828.2784 0.00 0.00 0.00
TOTAL INCOME 8826.92 9386.95 8529.95 8750.97 9222.83
EXPENDITURE:
Manufacturing Expenses .00 .00 0.00 0.00 0.00
Material Consumed .00 .00 0.00 0.00 0.00
Personal Expenses 1211.09 1175.81 1123.00 990.14 894.03
Selling Expenses 5.63 3.05 1.57 1.48 0.00
Administrative Expenses 2680.43 2802.62 483.00 461.47 444.62
Expenses Capitalised .00 .00 0.00 0.00 0.00
Provisions Made 2093.03 2255.63 1739.55 1393.49 771.49
TOTAL EXPENDITURE 5990.18 6237.10 3347.13 2846.59 2110.13
Operating Profit -1839.60 -1701.77 627.62 706.24 837.15
EBITDA 7022.81 7661.11 6922.38 7297.87 7884.18
Depreciation 53.91 -14.72 64.11 42.46 45.74
Other Write-offs .00 .00 0.00 0.00 0.00
EBIT 6968.90 7675.83 6858.27 7255.42 7838.45
Interest 5871.98 6278.97 5713.56 6013.54 6568.55
EBT -996.11 -858.77 -594.84 5861.92 498.40
Taxes -5.32 -315.30 148.96 -352.70 162.43
Profit and Loss for the Year -990.80 -543.48 -743.80 6214.62 335.97
Non Recurring Items .00 .00 0.00 0.00 0.00
Other Non Cash Adjustments .00 .00 0.00 0.00 0.00
Other Adjustments .00 .00 0.00 -6013.54 0.00
REPORTED PAT -990.80 -543.48 -743.80 201.08 335.97
KEY ITEMS
Preference Dividend .00 .00 0.00 0.00 0.00
Equity Dividend .00 .00 0.00 0.00 52.62
Equity Dividend (%) .00 .00 0.00 0.00 13.14
Shares in Issue (Lakhs) 7010.53 5649.12 5649.12 4004.11 4004.11
EPS - Annualised (Rs) -14.13302561 -9.620613476 -13.17 5.02 8.39

Quarterly

(Rs. in Crores)

Particulars 2020-09 2020-06 2020-03 2019-12 2019-09
INCOME:
Net Sales Turnover 1800.12 1800.02 1904.33 1940.6 2013.66
Other Income 199.07 154.37 385.1 136.41 208.91
TOTAL INCOME 1999.19 1954.39 2289.43 2077.01 2222.57
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 416.84 319.52 290.63 301.12 299.32
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 164.23 146.16 168.88 164.84 168.22
Provisions Made 863.82 382.56 817.83 494.3 972.62
TOTAL EXPENSES 1444.89 848.24 1277.34 960.26 1440.16
Operating Profit 355.23 951.78 626.99 980.34 573.5
EBITDA 554.3 1106.15 1012.09 1116.75 782.41
Depreciation 0 0 0 0 0
EBIT 1418.12 1488.71 1829.92 1611.05 1755.03
Interest 1186.69 1262.8 1400.17 1464.12 1504.34
EBT 231.43 225.91 429.75 146.93 250.69
Taxes -231.12 -39.76 -151.78 -91.88 -253.2
Profit and Loss for the Year 462.55 265.67 581.53 238.81 503.89
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -863.82 -382.56 -817.83 -494.3 -972.62
REPORTED PAT -401.27 -156.65 -236.3 -255.49 -468.73
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 701.05 701.05 701.05 701.05 602.06
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 0.83 83.06 83.06 80.28
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-20 Mar-19 Mar-18 Mar-17 Mar-16
Key Stats
Earnings Per Share -14.13 -9.62 -13.17 5.02 8.39
Profitability Ratios
Operating Profit Margin(%) -23.2 -19.88 7.9 8.64 9.57
Profit Before Interest And Tax Margin(%) 87.89 89.68 86.28 88.77 89.64
Net Profit Margin(%) -12.5 -6.35 -9.36 2.46 3.84
Return On Capital Employed(%) -1.03 -0.52 -0.68 6.71 0.34
Return On Net Worth(%) -17.7 -9.53 -12.03 3.27 5.63
Return on Assets(%) -1.01 -0.51 -0.67 0.21 0.34
Tax Rate(%) 0.53 36.72 -25.04 -6.02 32.59
Liquidity And Solvency Ratios
Current Ratio 36.86 40.61 36.77 33.76 29.26
Quick Ratio 36.86 40.61 36.77 33.76 29.26
Debt Equity Ratio 16.6 17.76 17.05 14.41 15.76
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.19 1.22 1.2 1.21 1.19
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.08 0.08 0.07 0.09 0.09
Margin Ratios
Core EBITDA Margin(%) 79.56 81.61 81.15 83.39 85.49
EBIT Margin(%) 78.95 81.77 80.4 82.91 84.99
PAT Margin(%) -12.5 -6.35 -9.36 2.46 3.84