Punjab & Sind Bank Stock Price Today (NSE: PSB)
Fundamental Score
Punjab & Sind Bank Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Punjab & Sind Bank share price today is ₹23.79, down 0.79% on NSE/BSE as of 7 August 2026. Punjab & Sind Bank (PSB) is a Mid-cap company in the Public Sector Bank sector with a market capitalisation of ₹17.50K (Cr). The 52-week high for PSB share price is ₹32.46 and the 52-week low is ₹20.50. At a P/E ratio of 13.24x, PSB is currently trading above its industry average P/E of 7.40x. The company has a Return on Equity (ROE) of 9.62% and a debt-to-equity ratio of 11.48.
Punjab & Sind Bank Share Price Chart — NSE/BSE Historical Performance
Punjab & Sind Bank share price chart: -5.66% return over the past month. 52-week high ₹32.46, 52-week low ₹20.50.
Punjab & Sind Bank — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹23.98 | ₹23.98 | ₹23.71 | ₹23.79 | 7.86L (Cr) | |
| ₹23.85 | ₹24.09 | ₹23.72 | ₹23.98 | 11.20L (Cr) | |
| ₹23.97 | ₹24.15 | ₹23.75 | ₹23.80 | 9.08L (Cr) | |
| ₹23.79 | ₹23.97 | ₹23.56 | ₹23.87 | 7.96L (Cr) | |
| ₹23.40 | ₹23.90 | ₹23.40 | ₹23.76 | 15.75L (Cr) | |
| ₹23.05 | ₹23.39 | ₹23.00 | ₹23.19 | 10.84L (Cr) | |
| ₹23.67 | ₹23.67 | ₹22.88 | ₹22.97 | 28.37L (Cr) | |
| ₹23.85 | ₹23.91 | ₹23.63 | ₹23.67 | 10.33L (Cr) | |
| ₹23.89 | ₹23.99 | ₹23.63 | ₹23.71 | 7.68L (Cr) | |
| ₹23.91 | ₹24.70 | ₹23.32 | ₹23.89 | 15.07L (Cr) |
Punjab & Sind Bank — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹23.40 | ₹24.15 | ₹23.40 | ₹23.79 | +1.67% | |
| ₹24.25 | ₹25.35 | ₹22.88 | ₹23.19 | -4.37% | |
| ₹24.28 | ₹25.94 | ₹23.00 | ₹24.24 | -0.16% | |
| ₹25.00 | ₹26.33 | ₹23.15 | ₹23.98 | -4.08% | |
| ₹21.25 | ₹26.00 | ₹21.20 | ₹24.93 | +17.32% | |
| ₹25.80 | ₹26.08 | ₹20.50 | ₹20.66 | -19.92% | |
| ₹27.12 | ₹28.49 | ₹25.69 | ₹26.65 | -1.73% | |
| ₹27.69 | ₹29.79 | ₹26.45 | ₹27.85 | +0.58% | |
| ₹30.06 | ₹30.45 | ₹26.12 | ₹27.69 | -7.88% | |
| ₹31.48 | ₹32.40 | ₹29.28 | ₹29.88 | -5.08% | |
| ₹29.93 | ₹32.46 | ₹28.86 | ₹31.27 | +4.48% | |
| ₹27.81 | ₹31.06 | ₹27.70 | ₹29.75 | +6.98% |
AI Research Briefing
Powered by Gemini · 2026-04-09
PSB is a leveraged bet on PSU turnaround, but risks remain elevated.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Punjab & Sind Bank (PSB) is up 5.74% on April 8, 2026, quoting on the NSE. This marks the fifth straight session of gains. Volume stood at 19.56 lakh shares, below the one-month daily average of 21.28 lakh shares. On April 2, 2026, PSB released provisional business data, showing YoY increases in key metrics. CASA deposits increased 10.01% YoY to , but the CASA ratio slightly decreased to 30.77%.
CORE STORY (THE REAL GAME)
PSB is a turnaround play within the PSU banking sector, driven by improving asset quality and loan growth, but faces headwinds from NIM compression and high debt/equity.
- Fifth straight session of gains
- Loan growth outpacing deposits
- Gross NPA down to 2.60%
- Sustained improvement in asset quality
- Successful branch expansion
- Government recapitalization
- High debt/equity
- NIM compression
- Low-interest coverage ratio
FII down 0.09%, DII down 0.05% [cite: brief]
RBI holding rates poses growth, inflation risks [cite: brief]
Magellanic Cloud secured ₹25 Cr surveillance order from Punjab & Sind Bank [cite: brief]
No: Free Cash Flow 5Y: ₹-12016.43 Cr [cite: brief]
PSB needs to sustain loan growth while improving asset quality to justify its valuation. Focus on RAM segment and digital initiatives are key.
Primary Thesis Risk
Failure to improve asset quality will sink the stock.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Punjab & Sind Bank Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Punjab & Sind Bank Fundamental Analysis & Valuation Benchmarking
Educational evaluation of PSB across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (69.04%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (34.86%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (17.88% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (19.96% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (9.62%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.95%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 11.48)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.21x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-7856.54 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (93.85% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 4.05%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
Punjab & Sind Bank vs Public Sector Bank Peers
Peer Comparison - Public Sector Bank
Compare Punjab & Sind Bank with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Punjab & Sind BankPunjab & Sind B...Selected✓ PSB • 533295 | 42.5/100 | ₹23.79₹24 | ₹17504.57₹17504.57 | 13.24Average 13.2 Average | 9.62%Poor 9.62% Poor | 5.95%Poor 5.95% Poor | 11.48Poor 11.5 Poor | 19.96%Excellent 19.96% Excellent | 11.43%Good 11.43% Good | 1.58% |
State Bank of IndiaState Bank of I... SBIN • 500112 | 47.2/100 | ₹1027.40₹1027 | ₹951408.11₹951408.11 | 11.42Average 11.4 Average | 15.38%Good 15.38% Good | 6.13%Poor 6.13% Poor | 11.44Poor 11.4 Poor | 30.01%Excellent 30.01% Excellent | 13.11%Good 13.11% Good | 1.68% |
Union Bank of IndiaUnion Bank of I... UNIONBANK • 532477 | 56.5/100 | ₹171.24₹171 | ₹131680.68₹131680.68 | 6.38Average 6.4 Average | 15.70%Good 15.70% Good | 6.30%Poor 6.30% Poor | 9.74Poor 9.7 Poor | 46.86%Excellent 46.86% Excellent | 9.03%Good 9.03% Good | 2.90% |
Bank of BarodaBank of Baroda... BANKBARODA • 532134 | 51.5/100 | ₹242.60₹243 | ₹128327.35₹128327.35 | 6.47Average 6.5 Average | 12.70%Average 12.70% Average | 5.63%Poor 5.63% Poor | 11.13Poor 11.1 Poor | 72.77%Excellent 72.77% Excellent | 12.56%Good 12.56% Good | 3.43% |
Punjab National BankPunjab National... PNB • 532461 | 50.5/100 | ₹112.71₹113 | ₹121549.78₹121549.78 | 6.61Average 6.6 Average | 12.99%Average 12.99% Average | 6.13%Poor 6.13% Poor | 12.22Poor 12.2 Poor | 48.17%Excellent 48.17% Excellent | 9.80%Good 9.80% Good | 2.84% |
Canara BankCanara Bank... CANBK • 532483 | 48.8/100 | ₹124.98₹125 | ₹114753.03₹114753.03 | 6.40Average 6.4 Average | 16.08%Good 16.08% Good | 6.52%Poor 6.52% Poor | 14.64Poor 14.6 Poor | 44.35%Excellent 44.35% Excellent | 12.46%Good 12.46% Good | 3.32% |
Indian BankIndian Bank... INDIANB • 532814 | 57.5/100 | ₹836.50₹837 | ₹111845.25₹111845.25 | 8.75Average 8.8 Average | 15.45%Good 15.45% Good | 6.32%Poor 6.32% Poor | 10.64Poor 10.6 Poor | 30.02%Excellent 30.02% Excellent | 11.54%Good 11.54% Good | 2.20% |
Bank of IndiaBank of India... BANKINDIA • 532149 | 49.1/100 | ₹137.95₹138 | ₹66118.61₹66118.61 | 6.25Average 6.3 Average | 12.41%Average 12.41% Average | 5.93%Poor 5.93% Poor | 11.67Poor 11.7 Poor | 39.24%Excellent 39.24% Excellent | 13.10%Good 13.10% Good | 3.20% |
Indian Overseas BankIndian Overseas... IOB • 532388 | 52.9/100 | ₹33.90₹34 | ₹65048.76₹65048.76 | 12.50Average 12.5 Average | 14.86%Average 14.86% Average | 6.07%Poor 6.07% Poor | 11.19Poor 11.2 Poor | 44.37%Excellent 44.37% Excellent | 13.46%Good 13.46% Good | 0.00% |
Bank of MaharashtraBank of Maharas... MAHABANK • 532525 | 64.9/100 | ₹79.33₹79 | ₹61609.36₹61609.36 | 8.18Average 8.2 Average | 22.65%Excellent 22.65% Excellent | 6.03%Poor 6.03% Poor | 10.74Poor 10.7 Poor | 65.15%Excellent 65.15% Excellent | 19.80%Excellent 19.80% Excellent | 2.75% |
UCO BankUCO Bank... UCOBANK • 532505 | 44/100 | ₹26.17₹26 | ₹32891.24₹32891.24 | 11.89Average 11.9 Average | 8.61%Poor 8.61% Poor | 5.55%Poor 5.55% Poor | 10.55Poor 10.6 Poor | 110.04%Excellent 110.04% Excellent | 12.71%Good 12.71% Good | 1.68% |
Top Public Sector Bank Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- State Bank of India share price951408.11 Cr
- Union Bank of India share price131680.68 Cr
- Bank of Baroda share price128327.35 Cr
- Punjab National Bank share price121549.78 Cr
- Canara Bank share price114753.03 Cr
Punjab & Sind Bank PE Ratio History
Historical price-to-earnings ratio for PSB — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹1.50 | ₹27.69 | 18.5x |
| FY 2024 | ₹0.88 | ₹48.15 | 54.7x |
| FY 2023 | ₹1.94 | ₹43.15 | 22.2x |
| FY 2022 | ₹2.56 | ₹33.75 | 13.2x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Punjab & Sind Bank Dividend History
Annual cash dividends paid by PSB — dividend yield 1.58%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹135.56 Cr |
| FY 2024 | ₹325.33 Cr |
| FY 2023 | ₹210.11 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Punjab & Sind Bank Quarterly Performance
Latest quarterly metrics for PSB — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-4.08%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
34.86%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
11.43%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
19.96%
Compounded annual net profit growth over 5 years
Punjab & Sind Bank Technical Indicators
SMA 50, SMA 200, RSI and volume signals for PSB — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Punjab & Sind Bank Financial Statements
Annual income statement, balance sheet and cash flow for Punjab & Sind Bank (PSB) — sourced from NSE/BSE filings.
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About PSB (Punjab & Sind Bank)
Punjab & Sind Bank is a cornerstone of India's public sector banking landscape, deeply intertwined with the nation's economic and social fabric. With a legacy spanning over a centu...ry, it operates as a financial institution committed to fostering inclusive growth and serving the diverse needs of its clientele. Rooted in the principles of integrity, transparency, and customer-centricity, PSB has evolved into a trusted partner for individuals, businesses, and communities across the country. Through its extensive network of branches and modern digital platforms, it strives to deliver accessible and convenient banking solutions that empower its customers to achieve their financial aspirations. PSB offers a comprehensive suite of banking products tailored to suit the varying requirements of its customer base. From fundamental deposit accounts that encourage savings habits to specialized lending programs designed to fuel entrepreneurial ventures, PSB plays a crucial role in promoting financial inclusion and economic development. Its retail offerings include a wide array of deposit schemes like savings and current accounts and innovative fixed deposit options, empowering individuals to manage their finances effectively. Furthermore, its lending portfolio encompasses a diverse range of loan products, catering to the needs of homeowners, students, entrepreneurs, and businesses of all sizes. Beyond its core banking operations, Punjab & Sind Bank actively engages in initiatives that contribute to social welfare and community development. Committed to supporting sustainable practices and promoting financial literacy, PSB actively participates in programs that uplift marginalized communities and foster economic empowerment. By aligning its business objectives with the broader goals of nation-building, PSB strives to be more than just a financial institution, but a catalyst for positive change and a partner in progress for all stakeholders. This commitment extends to embracing technological advancements to enhance customer experience and streamline operations, ensuring efficiency and accessibility for all.
Company Details
Key Leadership
Corporate Events
Latest News
PSB Share Price: Frequently Asked Questions
What is the current share price of Punjab & Sind Bank?
Punjab & Sind Bank (PSB) trades at ₹23.79 on NSE and BSE. Market cap ₹17.50K (Cr). Educational data only.
What is the P/E ratio of Punjab & Sind Bank?
Punjab & Sind Bank has a P/E of 13.24x vs industry average 7.40x.
What is the Bull Run score for Punjab & Sind Bank?
Punjab & Sind Bank has a Bull Run score of 42.5/100 based on 25+ financial parameters.
Does Punjab & Sind Bank pay dividends?
Punjab & Sind Bank has a dividend yield of 1.58%. Past dividends don't guarantee future payments.
What is the ROE of Punjab & Sind Bank?
Punjab & Sind Bank has ROE of 9.62%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Punjab & Sind Bank?
Punjab & Sind Bank has debt-to-equity of 11.48.
Is Punjab & Sind Bank a good investment?
Bull Run gives Punjab & Sind Bank a score of 42.5/100. This is not investment advice — consult a SEBI-registered advisor.