Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
To know more, click here
Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
To know more, click here
X

Punjab & Sind Bank

Small Cap

Evaluated by 1156 users |

BSE

: 533295 |

NSE

: PSB |

Bank - Public

Start Your FREE TRIAL
Add to Portfolio Add to Watchlist

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)1,0121,1841,5601,5011,6411,6211,6792,1762,1592,235
Y-o-Y Gr. Rt.-17%31.8%-3.8%9.3%-1.3%3.6%29.6%-0.8%3.5%
Total Income3,6554,3465,3706,8927,7578,4249,0179,2238,7518,530
Y-o-Y Gr. Rt.-18.9%23.6%28.4%12.6%8.6%7.1%2.3%-5.1%-2.5%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
23.5527.122.9818.4612.6810.273.038.395.02-13.17
Y-o-Y Gr. Rt.-15.1%-15.2%-19.7%-31.3%-19%-70.5%176.9%-40.2%-362.4%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
78.42105.4116.7131.01145.56144.6120.17126.57131.5994.45
Y-o-Y Gr. Rt.-34.4%10.7%12.3%11.1%-0.7%-16.9%5.3%4%-28.2%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.191.040.840.640.440.340.130.340.2-0.71
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.320.360.561.192.163.353.554.627.516.93
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 11.27%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income9.2%6.4%10%3.5%
Total Income9.9%1.9%-1.8%-2.5%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-193.8%-200.8%-263.2%-362.4%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
2.1%-8.3%-7.7%-28.2%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income88.8590.5291.8693.9494.6294.6595.2594.8193.3993.19
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.522.142.362.132.11.761.822.262.382.1
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)28.7530.2423.2215.9110.037.832.766.83.89-14.03
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 27.7625.0423.9523.9322.2820.8821.5322.7227.5423.65
MoneyWorks4me
Assessment
Community
Assessment
Select Your Assessment of 10 Year X-Ray
Your assessment has been saved successfully.
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
85.56%
8.66%
5.78%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
Return to Top
Puchho Befikar
Puchho Befikar with Emoji
Want to know if Punjab & Sind Bank is right? And more..
Request Call Back
Invalid Mobile Number
Thanks.
We will call you shortly.