Punjab & Sind Bank
NSE: PSB · Public Sector Bank
Snapshot
Unlock Punjab & Sind Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Punjab & Sind Bank is a public sector bank in India offering a comprehensive suite of financial products including retail, corporate, and treasury banking services. It operates an extensive network of 1,530 branches across the country to serve diverse customer segments.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from digital services, insurance distribution, and trade finance products. It leverages its branch network to mobilise low-cost deposits and provide credit to retail, MSME, and corporate clients.
- Branch Network:1530
- Zonal Offices:24
Growth Outlook
Growth is expected to be driven by the expansion of digital banking services and the continued penetration of retail and MSME credit products. The bank focuses on enhancing its technological infrastructure to improve operational efficiency and customer reach.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in asset quality due to exposure to corporate and MSME sectors which are sensitive to economic cycles.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy directives from the Reserve Bank of India and the Government of India.
- Cybersecurity Risk. The increasing reliance on digital banking platforms exposes the institution to potential data breaches and sophisticated cyber threats.
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Key Metrics
REVENUE
₹12,110 Cr
TTM · standalone
NET PROFIT
₹1,502 Cr
TTM · standalone
EPS
₹2.11
TTM · standalone
P/E
9.0×
Q2 FY27 · standalone
Peers · Public Sector Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Punjab & Sind BankPSB | ₹13,510 Cr | 9.0× | — | 8.1% | — | 8.1% | — | -39.1% |
Bank of IndiaBANKINDIA | ₹61,188 Cr | 4.9× | — | 7.9% | — | 13.7% | — | -3.9% |
Bank of MaharashtraMAHABANK | ₹60,756 Cr | 7.6× | — | 17.4% | — | 21.8% | — | +33.8% |
Indian Overseas BankIOB | ₹56,403 Cr | 8.5× | — | — | — | 15.2% | — | -27.0% |
UCO BankUCOBANK | ₹28,201 Cr | 9.4× | — | 9.0% | — | 8.6% | — | -32.3% |
Central Bank of IndiaCENTRALBK | ₹26,702 Cr | 5.5× | — | — | — | 11.5% | — | -25.3% |
As of Q3 FY26
Financials
Punjab & Sind Bank
NSE: PSB · Public Sector Bank
Snapshot
Unlock Punjab & Sind Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Punjab & Sind Bank is a public sector bank in India offering a comprehensive suite of financial products including retail, corporate, and treasury banking services. It operates an extensive network of 1,530 branches across the country to serve diverse customer segments.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from digital services, insurance distribution, and trade finance products. It leverages its branch network to mobilise low-cost deposits and provide credit to retail, MSME, and corporate clients.
- Branch Network:1530
- Zonal Offices:24
Growth Outlook
Growth is expected to be driven by the expansion of digital banking services and the continued penetration of retail and MSME credit products. The bank focuses on enhancing its technological infrastructure to improve operational efficiency and customer reach.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in asset quality due to exposure to corporate and MSME sectors which are sensitive to economic cycles.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy directives from the Reserve Bank of India and the Government of India.
- Cybersecurity Risk. The increasing reliance on digital banking platforms exposes the institution to potential data breaches and sophisticated cyber threats.
Start your research today
Unlock AI insights, financials, peers and live data on Punjab & Sind Bank and 5,000+ companies — free.
Key Metrics
REVENUE
₹12,110 Cr
TTM · standalone
NET PROFIT
₹1,502 Cr
TTM · standalone
EPS
₹2.11
TTM · standalone
P/E
9.0x
Q2 FY27 · standalone
NET PROFIT MARGIN
11.1%
Q3 FY26 · standalone
Peers · Public Sector Bank
As of Q3 FY26