Punjab & Sind Bank

NSE: PSB · Public Sector Bank · sector

₹19.05NSE close 2026-10-26

Key numbers

Market cap₹13,517 cr

Price₹19.05

52w high / low₹32 / ₹19

P/E9.0xSector median 7.5x

P/B0.9xSector median 0.9x

Book value₹20.5

Dividend yield0.36%Sector median 2.66%

ROE10.7%Sector median 15.4%

ROA0.79%Sector median 0.99%

Gross NPA2.09%

Net NPA0.61%

CET115.49%

Sales growth 3y+14.4%Sector median +14.5%

Profit growth 3y+0.2%Sector median +31.2%

PEG–

Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 12 companies in Public Sector Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

No promoter shares are pledged.
Total income was higher than a year earlier in 3 of the last 4 quarters.
Dividend paid in 4 of the last 5 financial years.
Price ₹19.05 on 2026-10-26: -41.3% from the 52-week high, 0.0% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹57.33 · low ₹19.05

Quarterly results

₹ cr	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Total income	2,931	3,159	2,911	2,999	3,042	3,030	3,213	3,394
Net interest income	939	1,122	900	950	986	975	1,039	1,161
Operating profit	484	816	540	505	594	542	545	617
Other income	338	677	469	374	507	427	332	352
Net profit	282	313	269	295	336	422	332	412
EPS (₹)	0.42	0.46	0.38	0.42	0.47	0.59	0.47	0.58
Gross NPA %	3.83	3.38	3.34	2.92	2.60	2.40	2.21	2.09
Net NPA %	1.25	0.96	0.91	0.83	0.74	0.79	0.65	0.61
Revenue YoY					+3.8%	-4.1%	+10.4%	+13.2%
Profit YoY					+19.3%	+34.9%	+23.2%	+39.9%

Standalone figures where filed. Latest quarter Sep 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	7,096	7,993	10,851	11,481	11,982	12,680
Net profit	1,039	1,313	595	1,016	1,322	1,502
EPS (₹)	2.56	1.94	0.88	1.50	1.86	2.11
Revenue growth		+12.6%	+35.8%	+5.8%	+4.4%	+5.7%
Profit growth		+26.4%	-54.7%	+70.6%	+30.1%	+29.6%
Dividend / share (₹)	–	0.31	0.48	0.20	0.07

Compounded growth	3 years	5 years	Last 12 months
Sales	+14.4%	+11.4%	+5.7%
Net profit	+0.2%	–	+29.6%
EPS	-1.4%	–	–
Share price	–	-36.8% (2y)	-32.3%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	–	15,533	13,355	14,132
Borrowings	–	–	9,771	14,230	16,352
Cash & equivalents	–	–	0	0	0
Total assets	–	–	1,47,657	1,61,815	1,79,270

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-5,999	1,428	1,749	-2,294	-1,893
Cash from investing	-121	-88	-229	-168	-241
Cash from financing	4,068	-1,332	-434	3,898	-387
Capex	0	0	0	0	241
Free cash flow	-5,999	1,428	1,749	-2,294	-2,134

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	–	3.8%	7.6%	9.4%

Shareholding

Holder	% (2026-09-30)
Promoters	93.85%
FIIs	0.12%
DIIs	3.79%
of which Mutual funds	0.15%
of which Insurance	1.96%
Government	0.00%
Public (non-institutions)	2.24%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	98.25%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%

Promoter group	%
President of India	93.85%

Public holders above 1%	%
Life Insurance Corporation of India	1.33%

2,22,056 shareholders. Pledged: 0.00% of promoter shares.

Peers in Public Sector Bank

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
SBIN	₹8,86,876 cr	10.8x	1.6x	16.6%	1.08%	1.47%	+13.3%	1.60%
PNB	₹1,38,938 cr	6.6x	0.9x	14.6%	1.02%	2.55%	+14.6%	2.39%
UNIONBANK	₹1,38,321 cr	6.5x	1.0x	16.3%	1.32%	2.42%	+9.5%	2.62%
BANKBARODA	₹1,20,121 cr	7.2x	0.8x	11.6%	0.83%	1.99%	+12.3%	3.59%
INDIANB	₹1,11,798 cr	8.7x	1.3x	16.1%	1.20%	1.61%	+14.5%	1.96%
CANBK	₹1,05,864 cr	5.4x	0.9x	17.0%	0.97%	1.33%	+14.4%	3.43%
MAHABANK	₹58,548 cr	7.9x	1.8x	24.2%	1.74%	1.45%	+22.6%	3.28%
IOB	₹58,502 cr	10.2x	1.6x	16.4%	1.22%	1.33%	+18.0%	–
BANKINDIA	₹57,519 cr	5.1x	0.7x	13.6%	0.97%	1.81%	+16.4%	3.20%
PSB	₹13,517 cr	9.0x	0.9x	10.7%	0.79%	2.09%	+14.4%	0.36%

All 12 companies in Public Sector Bank →

Business segments (FY26)

Segment	Revenue	Share	EBIT	Margin
Retail Banking	₹5,952 cr	43.3%	₹1,152 cr	19.3%
Corporate/Wholesale Banking	₹4,171 cr	30.3%	₹807 cr	19.3%
Treasury	₹3,600 cr	26.2%	₹794 cr	22.1%
Other Banking Operations	₹36 cr	0.3%	₹36 cr	100.0%

Dividends & corporate actions

Ex-date	Action	Detail
2026-07-21	Dividend	Dividend - Re 0.39 Per Share
2025-07-29	Dividend	Dividend - Rs 0.07 Per Share
2024-07-16	Dividend	Dividend - Re 0.20 Per Share
2023-07-04	Dividend	Annual General Meeting/Dividend - Re 0.48 Per Share
2022-07-04	Dividend	Annual General Meeting/Dividend - Rs 0.31 Per Share
2021-07-12	Other	Annual General Meeting
2020-08-03	Other	Annual General Meeting
2019-07-03	Other	Annual General Meeting
2018-06-21	Other	Annual General Meeting
2017-06-21	Other	Annual General Meeting
2016-06-20	Dividend	Annual General Meeting/ Dividend- Rs 1.65/- Per Share
2015-06-19	Dividend	Annual General Meeting/ Dividend - Re 0.60/- Per Share
2014-06-12	Dividend	Annual General Meeting / Final Dividend - Re 0.60/- Per Share
2014-01-27	Dividend	Interim Dividend Rs 1.60/- Per Share
2013-06-06	Dividend	Annual General Meeting/Dividend Rs 2.68 Per Equity Share
2012-06-14	Dividend	Annual General Meeting/Dividend Rs 2 Per Share
2011-05-31	Dividend	Dividend-Rs.2/- Per Share

Documents

Links go to the original files on the exchange website.

About the company

Banking and Financial Services: Banking Activity - Retail, Corporate, Treasury and other Banking activities


Sector	Financial Services
Industry	Public Sector Bank
Sub-industry	Public Sector Bank
Symbol	PSB
BSE code	533295
ISIN	INE608A01012
Face value	₹10.0
Incorporated	1908-06-24
Website	https://punjabandsind.bank.in
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.