Punjab & Sind Bank Stock Price Today (NSE: PSB)
Fundamental Score
Punjab & Sind Bank Share Price Live NSE/BSE & Institutional Fundamental Analysis
Punjab & Sind Bank share price today is ₹28.02, up +0.00% on NSE/BSE as of 18 February 2026. Punjab & Sind Bank (PSB) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹21.21K (Cr). The 52-week high for PSB share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 18.31x, PSB is currently trading above its industry average P/E of 8.20x. The company has a Return on Equity (ROE) of 7.03% and a debt-to-equity ratio of 10.87.
Punjab & Sind Bank Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Punjab & Sind Bank Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of Punjab & Sind Bank Share Price: A Deep Dive
Public Sector Banks (PSBs) in India are currently experiencing a renewed investor interest due to improved asset quality and government support. This analysis focuses on the financial health of Punjab & Sind Bank, specifically looking at the recent Punjab & Sind Bank share price of ₹27.1. This assessment is part of a comprehensive 80-parameter fundamental audit personally verified by Sweta Mishra and aims to provide an objective view of the bank's strengths and weaknesses relative to its peers.
At a price-to-earnings (PE) ratio of 18.31, Punjab & Sind Bank's valuation appears moderate compared to some private sector banks, but we must also consider the bank’s challenges with operational efficiency. The Return on Capital Employed (ROCE) of 5.98% is a critical factor. A lower ROCE compared to peers like Bank of Baroda may indicate a weaker competitive moat. This means the bank might find it harder to generate profits from its capital compared to competitors, which impacts its ability to reinvest in growth and attract capital. A stronger moat is essential for long-term industry dominance.
Management quality also plays a crucial role. When benchmarking against
Central Bank of India, it's essential to analyze key performance indicators (KPIs) such as Net Interest Margin (NIM), Cost to Income Ratio, and Gross Non-Performing Assets (GNPA) to assess the effectiveness of management decisions. While quantitative data is vital, qualitative factors such as the strategic vision and risk management policies are equally important in this comparison. A robust management team is crucial for navigating the dynamic banking environment and capitalizing on growth opportunities.In conclusion, while Punjab & Sind Bank share price may be considered attractive by some, a thorough evaluation of its ROCE, management efficacy compared to peers like Indian Bank, and overall financial performance is crucial. Potential investors are urged to conduct their own due diligence and consider a wide array of factors before making any investment decisions.
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 (58.96%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (22.93%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (16.01% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (24.78% 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 (7.03%)
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 (5.98%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 10.87)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.19x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-12016.43 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: 4.19%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
Punjab & Sind Bank Financial Statements
Comprehensive financial data for Punjab & Sind Bank including income statement, balance sheet and cash flow
About PSB (Punjab & Sind Bank)
Punjab & Sind Bank (PSB) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Public Sector Bank sector with a current market capitalisation of ₹21.21K (Cr). Punjab & Sind Bank has delivered a Return on Equity (ROE) of 7.03% and a ROCE of 5.98%. The debt-to-equity ratio stands at 10.87, reflecting the company's capital structure. Investors tracking PSB share price can monitor key metrics including P/E ratio, promoter holding of 93.85%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
Latest News
PSB Share Price: Frequently Asked Questions
What is the current share price of Punjab & Sind Bank (PSB)?
As of 18 Feb 2026, 10:36 am IST, Punjab & Sind Bank share price is ₹28.02. The PSB stock has a market capitalisation of ₹21.21K (Cr) on NSE/BSE.
Is PSB share price Overvalued or Undervalued?
PSB share price is currently trading at a P/E ratio of 18.31x, compared to the industry average of 8.20x. Based on this relative valuation, the Punjab & Sind Bank stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of PSB share price?
The 52-week high of PSB share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Punjab & Sind Bank share price?
Key factors influencing PSB share price include quarterly earnings growth (Sales Growth: 9.49%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Punjab & Sind Bank a good stock for long-term investment?
Punjab & Sind Bank shows a 5-year Profit Growth of 24.78% and an ROE of 7.03%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 10.87 before investing in PSB shares.
How does Punjab & Sind Bank compare with its industry peers?
Punjab & Sind Bank competes with major peers in the Public Sector Bank. Investors should compare PSB share price P/E of 18.31x and ROE of 7.03% against the industry averages to determine competitive standing.
What is the P/E ratio of PSB and what does it mean?
PSB share price has a P/E ratio of 18.31x compared to the industry average of 8.20x. Investors pay ₹18 for every ₹1 of annual earnings.
How is PSB performing according to Bull Run's analysis?
PSB has a Bull Run fundamental score of 42.7/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does PSB belong to?
PSB operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Punjab & Sind Bank share price.
What is Return on Equity (ROE) and why is it important for PSB?
PSB has an ROE of 7.03%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Punjab & Sind Bank generates profits from shareholders capital.
How is PSB debt-to-equity ratio and what does it indicate?
PSB has a debt-to-equity ratio of 10.87, which indicates high leverage that increases financial risk.
What is PSB dividend yield and is it a good dividend stock?
PSB offers a dividend yield of 0.23%, meaning you receive ₹0.23 annual dividend for every ₹100 invested in Punjab & Sind Bank shares.
How has PSB share price grown over the past 5 years?
PSB has achieved 5-year growth rates of: Sales Growth 7.68%, Profit Growth 24.78%, and EPS Growth 16.01%.
What is the promoter holding in PSB and why does it matter?
Promoters hold 93.85% of PSB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Punjab & Sind Bank.
What is PSB market capitalisation category?
PSB has a market capitalisation of ₹21209 crores, placing it in the Large-cap category.
How volatile is PSB stock?
PSB has a beta of N/A. A beta > 1 suggests the Punjab & Sind Bank stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is PSB operating profit margin trend?
PSB has a 5-year average Operating Profit Margin (OPM) of 58.96%, indicating the company's operational efficiency.
How is PSB quarterly performance?
Recent quarterly performance shows Punjab & Sind Bank YoY Sales Growth of 9.49% and YoY Profit Growth of 22.93%.
What is the institutional holding pattern in PSB?
PSB has FII holding of 0.16% and DII holding of 4.03%. Significant institutional holding often suggests professional confidence in the Punjab & Sind Bank stock.