# Punjab & Sind Bank share price today (Punjab & Sind Bank, NSE: PSB)

> Punjab & Sind Bank share price today: ₹19.01 at the NSE close on 3 November 2026, down 39.2% in a year. Punjab & Sind Bank (NSE: PSB) is worth ₹13,459 crore, trades at a P/BV of 0.9 and has closed between ₹18.21 and ₹31.01 over the past 52 weeks. > Punjab & Sind Bank's earnings have grown faster than its share price. Earnings per share grew +30.1% in a year while the price moved −39.2%. PSB · Banks - PSU · data as of 3 November 2026. Page: https://www.sectoralpha.in/stocks/punjab-sind-bank

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: ₹19.01 (−39.2% in a year)
- P/BV: 0.9× (higher than 62% of the last 11 years)
- Revenue (Sep 2026): ₹3,394 Cr (+13.2% on a year ago)
- Profit (Sep 2026): ₹412 Cr (+39.7% on a year ago)
- Net margin: 12.1% (+2.3 points on a year ago)
- ROE: 10%, FY26
- Gross NPA (bad loans): 2.09% (−0.83 points on a year ago)

The main question: yearly earnings per share moved +30.1% while the share price moved −39.2%. ## What is the Punjab & Sind Bank share price today? Punjab & Sind Bank's share price was ₹19.01 at the close on 3 November 2026. It has been falling for 105 weeks. That is 22.1% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹18 and ₹31, and at that close it sat 6% of the way up from that low. Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 16 weeks running. Over the last 11 years the share price moved −44% while the NIFTY 500 moved +251%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 24 July 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What changed at Punjab & Sind Bank this quarter? Three changes stood out: bad loans at their lowest share in 16 quarters, profit up on a year earlier for 10 quarters in a row and indian funds and insurers (DIIs) cut their stake for 6 quarters in a row. 1. Bad loans at their lowest share in 16 quarters Gross NPA, the share of loans not being repaid, was 2.09% in the September 2026 quarter, from 2.92% a year earlier. Why: Bad loans fell because fewer borrowers were behind on payments, with overdue loans falling from above 9% to below 4%. From the earnings call on 19 Oct 2026. 2. Profit up on a year earlier for 10 quarters in a row In the September 2026 quarter profit was ₹412 crore, +39.7% on a year earlier. Why: Profit rose because the bank made more on loans than it paid on deposits, with net interest income up 22%. Next results: check whether the gap between loan income and deposit costs holds, since management did not break down what drove the recent rise. From the earnings call on 19 Oct 2026. 3. Indian funds and insurers (DIIs) cut their stake for 6 quarters in a row From 4.3% to 3.8% of the company by the September 2026 quarter. ## What dividend does Punjab & Sind Bank pay? Punjab & Sind Bank paid ₹0.39 a share in regular dividends in the 12 months to 4 November 2026 (1 payment), a yield of 2.05% at the ₹19.01 close on 3 November 2026. The last was a dividend of ₹0.39 a share, ex-date 21 July 2026. ### Punjab & Sind Bank dividends since 1 April 2021

| Ex-date | Dividend per share | Type | Record date |
| --- | --- | --- | --- |
| 21 Jul 2026 | ₹0.39 | Dividend | same day |
| 29 Jul 2025 | ₹0.07 | Dividend | same day |
| 16 Jul 2024 | ₹0.20 | Dividend | 17 Jul 2024 |
| 4 Jul 2023 | ₹0.48 | Dividend | n/a |
| 4 Jul 2022 | ₹0.31 | Dividend | n/a |

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date. 4 of 5 Of the last 5 financial years, years with an NSE dividend record

Yes. Punjab & Sind Bank paid out 21% of its profit as dividends in FY26, and it paid a dividend in 8 of its last 13 reported years. (From the NSE corporate-actions record, read 4 November 2026.)

## What are Punjab & Sind Bank's latest quarterly results? For July to September 2026 (the quarter ended 30 September 2026), Punjab & Sind Bank reported total income of ₹3,394 crore, up 13.2% from ₹2,999 crore a year earlier, and a profit of ₹412 crore, up 39.7% from ₹295 crore. ### Punjab & Sind Bank results: July to September 2026 against a year earlier

| Measure | July to September 2026 | July to September 2025 | Change |
| --- | --- | --- | --- |
| Total income | ₹3,394 crore | ₹2,999 crore | +13.2% |
| Profit | ₹412 crore | ₹295 crore | +39.7% |
| Earnings per share | ₹0.58 | ₹0.42 | +38.1% |
| Net margin | 12.1% | 9.8% | +2.3 points |
| Gross bad loans (gross NPA) | 2.09% | 2.92% | −0.83 points |

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter). Punjab & Sind Bank's management discussed these results on a call held on 19 October 2026; what it said is further down this page. (From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.)

## What is the Punjab & Sind Bank share price history? Punjab & Sind Bank closed at ₹19.01 on 3 November 2026, down 39.2% from ₹31.27 a year earlier (31 October 2025) and up 5.0% over five years. Its highest weekly close since March 2016 was ₹68.44 on 26 July 2024. ### Punjab & Sind Bank share price: then and now

| When | Close | Change to 3 Nov 2026 |
| --- | --- | --- |
| 1 week ago · 23 Oct 2026 | ₹18.21 | +4.4% |
| 1 month ago · 1 Oct 2026 | ₹20.96 | −9.3% |
| 6 months ago · 30 Apr 2026 | ₹24.93 | −23.7% |
| 1 year ago · 31 Oct 2025 | ₹31.27 | −39.2% |
| 3 years ago · 3 Nov 2023 | ₹40.50 | −53.1% |
| 5 years ago · 4 Nov 2021 | ₹18.10 | +5.0% |
| 10 years ago · 4 Nov 2016 | ₹50.90 | −62.7% |
| Earliest weekly close in our records · 11 Mar 2016 | ₹33.70 | −43.6% |
| Highest weekly close since March 2016 · 26 Jul 2024 | ₹68.44 | −72.2% |
| Lowest weekly close since March 2016 · 16 Oct 2020 | ₹10.50 | +81.0% |
| 52-week high (weekly close) · 7 Nov 2025 | ₹31.01 | −38.7% |
| 52-week low (weekly close) · 23 Oct 2026 | ₹18.21 | +4.4% |

Weekly closing prices. Each change is the move from that price to the 3 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes. (564 weekly closes from 11 March 2016 to 3 November 2026.)

## What is the latest news on Punjab & Sind Bank? 3 Nov 2026: Punjab & Sind Bank closed at ₹19.01, up 4.4% on the week and down 9.3% on the month. 19 Oct 2026: Punjab & Sind Bank held its results call for July to September 2026. Management guided: FY27 deposit growth 13-14%, advances growth 18-20%, and CD ratio around 82% over the next two quarters. ### Earlier

- Results for July to September 2026: Total income up 13.2% and profit up 39.7% on a year earlier. - 21 Jul 2026: ex-date for a dividend of ₹0.39 a share. ## What did Punjab & Sind Bank management say on the latest results call? On the call for July to September 2026, held on 19 October 2026, Punjab & Sind Bank's management guided: FY27 deposit growth 13-14%, advances growth 18-20%, and CD ratio around 82% over the next two quarters. > “Therefore, we expect the total additional provisioning requirement to range between 0.5% and 0.6%.”
> Dheeraj, CRO, on the call for July to September 2026

### What management guided

- RAM share around 65% by March 2027 and around 70% by March 2028. - Gross NPA below 2% by end-March 2027. - FY27 recovery and upgradation above ₹1,000 crore; ₹622 crore achieved to date. - Steady-state ECL provisioning requirement 0.5-0.6% from subsequent years. Management’s own plans and goals, from our notes of the call. A plan is not a result. Source: [the call transcript](https://files.tijorifinance.com/insight/india/6087/Conference Call/CC-Oct26.pdf). (From the call for July to September 2026, 19 October 2026.)

## What to watch in Punjab & Sind Bank's next results? When Punjab & Sind Bank reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Track the gross-NPA trajectory against the March commitment and management's expectation of better-than-goal performance. - What to check (from the call)
- Track the gross-NPA trajectory against the March commitment and management's expectation of better-than-goal performance. - Check final ECL estimates and realized capital treatment, especially if yields move adversely before implementation. - Look for QIP size and timing as higher-risk RAM growth continues to consume capital. - Verify GIFT City and forex-module readiness against the stated launch windows. ## Which stock lists is Punjab & Sind Bank on? Punjab & Sind Bank is on 6 of our India lists: Undervalued stocks, 52 week high & low, Dividend stocks, Small & mid cap stocks, Penny stocks and Bank stocks. - [Undervalued stocks Profit growth x: 1.2959447799827437](https://www.sectoralpha.in/markets/in/deep-value-stocks)
- [52 week high & low 52-week position: Near 52-week low](https://www.sectoralpha.in/52-week-high-stocks-india)
- [Dividend stocks Regular dividend yield (%): 2.05](https://www.sectoralpha.in/dividend-stocks-india)
- [Small & mid cap stocks Size rank in India: 478](https://www.sectoralpha.in/small-cap-stocks-india)
- [Penny stocks Earnings growth, 12 months (%): 27.11](https://www.sectoralpha.in/penny-stocks-india)
- [Bank stocks Market value (₹ crore): 13509.624866023578](https://www.sectoralpha.in/sectors/bank-stocks-india)

## Is Punjab & Sind Bank profitable? Punjab & Sind Bank earned ₹412 Cr of net profit in the Sep 2026 quarter, +39.7% on the same quarter a year earlier. That is the 10th quarter in a row of profit growth. Full-year FY26 profit was ₹1,322 Cr. Over 10 years profit has grown 14.7% a year on average. That is 12.1% of the quarter's revenue. The same quarter a year earlier earned ₹295 Cr. For the full year, FY26 profit was ₹1,322 Cr (+30.1% on the year before). Why profit moved: revenue changed +13.2% on a year earlier and the margin moved +2.3 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +29.3% and revenue +5.8%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit. ## How much revenue does Punjab & Sind Bank make, and is it growing? Punjab & Sind Bank reported ₹3,394 Cr of income in the Sep 2026 quarter, +13.2% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 10 years it has grown 3.2% a year on average. The last full year, FY26, came in at ₹11,982 Cr. The last four reported quarters add to ₹12,679 Cr. FY26 revenue was ₹11,982 Cr, +4.4% on the year before. Recent pace: the last four quarters grew +5.8% on average, against 3.2% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +5.7%, against +10.6% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +29.6%, against +49.2% a year (rolling over). ## How much does Punjab & Sind Bank keep from what it earns? Punjab & Sind Bank's net margin was 12.1% in the Sep 2026 quarter, 2.3 percentage points higher than the same quarter a year ago. Across 13 years it has been between −39.2% and 16.4%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Punjab & Sind Bank's loans have gone bad? Punjab & Sind Bank's gross NPA, the share of loans that have stopped being repaid, is 2.09% in Sep 2026, down from 2.92% a year ago. After the money already set aside for bad loans, 0.61% is left (net NPA). That is the 11th quarter in a row of improvement. Across the 12 quarters on file it has been between 2.09% and 5.70%. Falling bad loans mean the loan book is healing; rising ones mean new damage. In Sep 2026, gross NPA was 2.09% and net NPA 0.61%, against 2.92% and 0.83% a year ago. In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up. Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown. ## How fast is Punjab & Sind Bank's loan book growing? Punjab & Sind Bank's revenue was ₹11,982 Cr in FY26, +4.4% on the year before, so the loan book is growing. The latest quarter was +13.2% on a year earlier. The net margin on that income is 12.1%, +2.3 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses. ## What is Punjab & Sind Bank's P/BV ratio, and how does it compare with its own history? Punjab & Sind Bank's P/BV is 0.9×, in the middle of its own history: higher than 62% of past readings. Its usual P/BV (the middle reading) is 0.6×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 10% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved −39.2%. Price and book value moved together, so the multiple stayed in its range. Where the price move came from: over 5 years the price moved +1.0% a year; about −1.4% a year came from book-value growth and about +2.4 percentage points from the multiple (the market paying more); over 10 years the price moved −9.4% a year; about −17.1% a year came from book-value growth and about +7.7 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the Punjab & Sind Bank business getting better or worse? Punjab & Sind Bank's business is giving mixed signals. There is no clear direction across the growth lines, with ROE steady at 10.3%; each line tells part of the story. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Punjab & Sind Bank earn on its equity and assets? Punjab & Sind Bank earned a return on equity of 10% in FY26. Its lowest yearly reading on file was −39% in FY21. On its assets, every ₹100 earned about ₹0.84, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 14.7% a year over 10 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Punjab & Sind Bank have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Punjab & Sind Bank shareholding pattern? Promoters cut their stake in Punjab & Sind Bank by 4.4 percentage points over 8 quarters, the biggest change among its owners. Promoters now own 93.8% of the company. Domestic institutions moved +3.1 points over the same period, to 3.8%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings. Over the last two years: Promoters: −4.4 points over 8 quarters, to 93.8%; Domestic institutions: +3.1 points over 8 quarters, to 3.8%; Foreign institutions: +0.1 points over 8 quarters, to 0.1%. Why the owners changed: promoters drove it (−4.4 points), with the other side taken by domestic institutions (+3.1 points). They reduced their stake. ## How far is Punjab & Sind Bank from balance-sheet trouble? For Punjab & Sind Bank, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Punjab & Sind Bank rank in its industry? 36.4 out of 100, rank 13 of 13 in Banks - PSU, with 94% of the evidence available. Punjab & Sind Bank scores 36.4 out of 100 against the 13 companies it is compared with in Banks - PSU, ranking 13. The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. The four parts add up to the total exactly: 19.4 + 6.3 + 10.7 + 0 = 36.4. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Punjab & Sind Bank compared with? Punjab & Sind Bank ranks 13 of 13 Banks - PSU companies on the 4-Factor Sector Score, with 36.4 out of 100. 1. [Bank of Maharashtra](https://www.sectoralpha.in/stocks/bank-of-maharashtra) MAHABANK · turning · Most evidence points up · 100% evidence 78.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 28.2/35 · Income 16.5% · Profit 31.5% · 100% evidence Capital efficiency 24.1/25 · ROA 1.9% · ROE 22.6% · GNPA 1.3% · 100% evidence Valuation 10.4/20 · P/BV 1.67× · P/BV÷ROE 0.07 · 100% evidence Relative strength 16.2/20 · Lead over its industry 18.3% · Lead over NIFTY 500 15.8% · 1 year 37.8% · 100% evidence · 2 of 12 weeks ahead Exact sum: 28.2 + 24.1 + 10.4 + 16.2 = 78.9 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 2. [Indian Overseas Bank](https://www.sectoralpha.in/stocks/indian-overseas-bank) IOB · quiet · Most evidence points up · 78% evidence 69.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 30.0/35 · Income 15.5% · Profit 51.3% · 100% evidence Capital efficiency 17.0/25 · ROA 1.4% · ROE 15.6% · GNPA n/a · 72% evidence Valuation 14.3/20 · P/BV 1.37× · P/BV÷ROE 0.09 · 100% evidence Relative strength 8.0/20 · Lead over its industry n/a · Lead over NIFTY 500 -11.8% · 1 year -28.3% · 25% evidence · 0 of 12 weeks ahead Exact sum: 30 + 17 + 14.3 + 8 = 69.3 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 3. [Indian Bank](https://www.sectoralpha.in/stocks/indian-bank) INDIANB · turning · Most evidence points up · 100% evidence 67.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 23.7/35 · Income 11.3% · Profit 17.2% · 100% evidence Capital efficiency 17.4/25 · ROA 1.3% · ROE 15.4% · GNPA 1.6% · 100% evidence Valuation 9.4/20 · P/BV 1.34× · P/BV÷ROE 0.09 · 100% evidence Relative strength 16.9/20 · Lead over its industry 8.1% · Lead over NIFTY 500 5.5% · 1 year 0.8% · 100% evidence · 6 of 12 weeks ahead Exact sum: 23.7 + 17.4 + 9.4 + 16.9 = 67.4 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 4. [Union Bank of India](https://www.sectoralpha.in/stocks/union-bank-of-india) UNIONBANK · leader · Most evidence points up · 93% evidence 66.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 18.1/35 · Income 1.3% · Profit 19% · 100% evidence Capital efficiency 17.4/25 · ROA 1.4% · ROE 15.7% · GNPA n/a · 72% evidence Valuation 12.5/20 · P/BV 0.98× · P/BV÷ROE 0.06 · 100% evidence Relative strength 18.9/20 · Lead over its industry 16% · Lead over NIFTY 500 13.3% · 1 year 25.1% · 100% evidence · 10 of 12 weeks ahead Exact sum: 18.1 + 17.4 + 12.5 + 18.9 = 66.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 5. [Bank of India](https://www.sectoralpha.in/stocks/bank-of-india) BANKINDIA · turning · Evidence leans up · 93% evidence 63.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 27.1/35 · Income 8.6% · Profit 29.8% · 100% evidence Capital efficiency 11.4/25 · ROA 1.1% · ROE 12.4% · GNPA n/a · 72% evidence Valuation 16.0/20 · P/BV 0.64× · P/BV÷ROE 0.05 · 100% evidence Relative strength 8.9/20 · Lead over its industry -1.9% · Lead over NIFTY 500 -4.3% · 1 year -5% · 100% evidence · 0 of 12 weeks ahead Exact sum: 27.1 + 11.4 + 16 + 8.9 = 63.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Punjab National Bank](https://www.sectoralpha.in/stocks/punjab-national-bank) PNB · leader · Evidence leans up · 73% evidence 62.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 25.0/35 · Income 3.9% · Profit 34% · 86% evidence Capital efficiency 12.3/25 · ROA 1.1% · ROE 13% · GNPA n/a · 72% evidence Valuation 13.1/20 · P/BV 0.88× · P/BV÷ROE 0.07 · 100% evidence Relative strength 12.0/20 · Lead over its industry n/a · Lead over NIFTY 500 11.6% · 1 year 0% · 25% evidence · 12 of 12 weeks ahead Exact sum: 25 + 12.3 + 13.1 + 12 = 62.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 7. [Canara Bank](https://www.sectoralpha.in/stocks/canara-bank) CANBK · turning · Evidence leans up · 100% evidence 50.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 14.1/35 · Income 4% · Profit 16.1% · 100% evidence Capital efficiency 15.8/25 · ROA 1% · ROE 16.1% · GNPA 1.3% · 100% evidence Valuation 14.9/20 · P/BV 0.84× · P/BV÷ROE 0.05 · 100% evidence Relative strength 5.6/20 · Lead over its industry -6.9% · Lead over NIFTY 500 -9.2% · 1 year -14.2% · 100% evidence · 0 of 12 weeks ahead Exact sum: 14.1 + 15.8 + 14.9 + 5.6 = 50.4 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 8. [IDBI Bank Ltd](https://www.sectoralpha.in/stocks/idbi-bank-ltd) IDBI · losing its lead · Evidence leans down · 78% evidence 49.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 9.4/35 · Income 7% · Profit -10.6% · 100% evidence Capital efficiency 17.6/25 · ROA 1.9% · ROE 14.1% · GNPA n/a · 72% evidence Valuation 13.1/20 · P/BV 1.19× · P/BV÷ROE 0.08 · 100% evidence Relative strength 9.2/20 · Lead over its industry n/a · Lead over NIFTY 500 -4.6% · 1 year -22.6% · 25% evidence · 6 of 12 weeks ahead Exact sum: 9.4 + 17.6 + 13.1 + 9.2 = 49.3 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 9. [Central Bank of India](https://www.sectoralpha.in/stocks/central-bank-of-india) CENTRALBK · turning · Evidence leans down · 85% evidence 48.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 13.5/35 · Income 12.4% · Profit 5.1% · 100% evidence Capital efficiency 8.8/25 · ROA 1% · ROE 11.9% · GNPA 2.4% · 100% evidence Valuation 18.2/20 · P/BV 0.62× · P/BV÷ROE 0.05 · 100% evidence Relative strength 8.3/20 · Lead over its industry n/a · Lead over NIFTY 500 -11.6% · 1 year -27.2% · 25% evidence · 0 of 12 weeks ahead Exact sum: 13.5 + 8.8 + 18.2 + 8.3 = 48.8 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 10. [State Bank of India](https://www.sectoralpha.in/stocks/state-bank-of-india) SBIN · turning · Evidence leans down · 80% evidence 47.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 12.3/35 · Income 5.5% · Profit 8.6% · 67% evidence Capital efficiency 14.5/25 · ROA 1.1% · ROE 15.4% · GNPA n/a · 68% evidence Valuation 11.3/20 · P/BV 1.43× · P/BV÷ROE 0.09 · 100% evidence Relative strength 9.0/20 · Lead over its industry 0.8% · Lead over NIFTY 500 -1.7% · 1 year 2.7% · 100% evidence · 3 of 12 weeks ahead Exact sum: 12.3 + 14.5 + 11.3 + 9 = 47.1 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 11. [Bank of Baroda](https://www.sectoralpha.in/stocks/bank-of-baroda) BANKBARODA · turning · Evidence leans down · 78% evidence 40.1 out of 100 Growth Capital Valuation Relative
12. [UCO Bank](https://www.sectoralpha.in/stocks/uco-bank) UCOBANK · basing · Evidence leans down · 100% evidence 38.1 out of 100 Growth Capital Valuation Relative
13. Punjab & Sind Bank this page PSB · quiet · Evidence leans down · 94% evidence 36.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 19.4/35 · Income 5.7% · Profit 29.6% · 100% evidence Capital efficiency 6.3/25 · ROA 0.7% · ROE 9.6% · GNPA 2.1% · 100% evidence Valuation 10.7/20 · P/BV 0.91× · P/BV÷ROE 0.1 · 70% evidence Relative strength 0.0/20 · Lead over its industry -19.2% · Lead over NIFTY 500 -21.1% · 1 year -40.3% · 100% evidence · 0 of 12 weeks ahead Exact sum: 19.4 + 6.3 + 10.7 + 0 = 36.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led NIFTY 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Banks - PSU](https://www.sectoralpha.in/sectors/banks-psu), all 13 compared on one page. ## Which companies are close to Punjab & Sind Bank in size? Punjab & Sind Bank is the 13th largest of 13 Banks - PSU companies on Sector Alpha by market value (scores of 30 October 2026). Just above it: IDBI Bank, Bank of Maharashtra, Bank of India, Indian Overseas Bank, UCO Bank and Central Bank of India. It is the smallest. ### Banks - PSU companies close in size

1. [IDBI Bank Ltd](https://www.sectoralpha.in/stocks/idbi-bank-ltd) ₹86,363 crore
2. [Bank of Maharashtra](https://www.sectoralpha.in/stocks/bank-of-maharashtra) ₹62,578 crore
3. [Bank of India](https://www.sectoralpha.in/stocks/bank-of-india) ₹60,487 crore
4. [Indian Overseas Bank](https://www.sectoralpha.in/stocks/indian-overseas-bank) ₹55,343 crore
5. [UCO Bank](https://www.sectoralpha.in/stocks/uco-bank) ₹27,662 crore
6. [Central Bank of India](https://www.sectoralpha.in/stocks/central-bank-of-india) ₹26,005 crore
7. Punjab & Sind Bank ₹13,240 crore

[All 13 Banks - PSU companies, largest first](https://www.sectoralpha.in/sectors/banks-psu#all-companies)

### Companies close in size in other industries

1. [Arvind Ltd](https://www.sectoralpha.in/stocks/arvind-ltd) ₹13,346 crore · Textiles
2. [Maharashtra Scooters Ltd](https://www.sectoralpha.in/stocks/maharashtra-scooters-ltd) ₹13,274 crore · Finance - Holding Company
3. Punjab & Sind Bank ₹13,240 crore
4. [BASF India Ltd](https://www.sectoralpha.in/stocks/basf-india-ltd) ₹13,198 crore · Chemicals - Organic
5. [Corona Remedies Ltd](https://www.sectoralpha.in/stocks/corona-remedies-ltd) ₹13,147 crore · Pharma - Formulators

## What else do people ask about Punjab & Sind Bank? ### What is Punjab & Sind Bank's share price today? Punjab & Sind Bank's share price is ₹19.01, −39.2% over the past year. The whole company is worth ₹13,459 Cr on the market. In the last 52 weeks it traded between ₹18 to ₹31; today it is 6% of the way up from the low, 22.1% below its 200-day average (as of 3 November 2026). ### What were Punjab & Sind Bank's latest quarterly results? Punjab & Sind Bank reported total income of ₹3,394 Cr and net profit of ₹412 Cr for the Sep 2026 quarter. Income rose 13.2% and profit rose 39.7% compared with a year earlier. Earnings per share were ₹0.58. Gross NPA stood at 2.09% of the loan book (as of 3 November 2026). ### What is Punjab & Sind Bank's market cap? Punjab & Sind Bank's market capitalisation is ₹13,459 Cr at a share price of ₹19.01. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Punjab & Sind Bank performing? Punjab & Sind Bank's share price has been falling for 105 weeks. In its latest quarter, income rose 13.2% and profit rose 39.7% compared with a year earlier. Over the past 13 weeks it has done worse than the NIFTY 500, for 16 weeks running (as of 3 November 2026). ### Will Punjab & Sind Bank's share price go up? This page does not forecast Punjab & Sind Bank's share price. What it shows instead: the share price is ₹19.01, and it has been falling for 105 weeks. Its P/BV of 0.9× is higher than 62% of its own last 11 years (as of 3 November 2026). ### Who owns Punjab & Sind Bank? Promoters own 93.8% of Punjab & Sind Bank, foreign institutions 0.1%, domestic institutions 3.8% and the public 2.2% (latest quarter). The biggest change over the last two years: Promoters cut their stake by 4.4 percentage points over 8 quarters (as of 3 November 2026). ### Where is Punjab & Sind Bank in its business cycle? Punjab & Sind Bank's FY26 net margin was 11.0%, against a 13-year range of −39.2% to 16.4%: the middle of its own range, neither a peak nor a low. The latest quarter was 12.1%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Punjab & Sind Bank story? The main question: yearly earnings per share moved +30.1% while the share price moved −39.2%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Punjab & Sind Bank a stock worth studying right now? What the numbers show: Punjab & Sind Bank's earnings have grown faster than its share price. Earnings per share grew +30.1% in a year while the price moved −39.2%. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). ### Is there a Punjab & Sind Bank share price forecast for 2026? What management itself guided: FY27 deposit growth 13-14%, advances growth 18-20%, and CD ratio around 82% over the next two quarters. ## Lists

- Undervalued stocks: https://www.sectoralpha.in/markets/in/deep-value-stocks
- 52 week high & low: https://www.sectoralpha.in/52-week-high-stocks-india
- Dividend stocks: https://www.sectoralpha.in/dividend-stocks-india
- Small & mid cap stocks: https://www.sectoralpha.in/small-cap-stocks-india
- Penny stocks: https://www.sectoralpha.in/penny-stocks-india
- Bank stocks: https://www.sectoralpha.in/sectors/bank-stocks-india

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