Punjab & Sind Peer Comparison

NSE: PSB | BSE: 533295

₹19.75

₹-0.14 (-0.70%)

As on 06-Nov-2026 12:04IST

Market cap

₹14,099 Cr

Revenue (TTM)

₹12,680 Cr

P/E Ratio

9.4

P/B Ratio

Div. Yield

2 %

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	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Market cap (₹ Cr)	14,099	25,875	12,906	12,068	29,631
Interest Income (₹ Cr)	12,680	22,244	6,502	9,364	27,590
Net Interest Income (₹ Cr)	4,160.55	11,364.96	2,922.84	3,555.81	10,955.18
NIM (%)	2.77	--	4.19	--	3.19
RoA (%)	0.84	0.91	2.04	1.22	0.76
Price to Earnings	9.39	13.89	8.18	7.77	9.93
Price-To-Book	1.05	0.99	1.20	0.90	0.94

Income Statement (₹ Cr)

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Interest Earned	12,679.82	22,243.78	6,502.38	9,363.89	27,590.49
Other Income	1,619.05	2,770.39	908.37	1,346.71	4,152.21
Total Income	14,298.87	25,014.17	7,410.75	10,710.60	31,742.70
Interest Expended	8,519.27	10,878.82	3,579.54	5,808.08	16,635.31
Operating Expenses	3,480.09	8,334.68	1,588.05	2,652.88	7,172.01
Operating Profit before Prov. & Cont.	2,181.74	5,864.92	1,855.23	1,974.42	6,428.93
Provisions and Contingencies	210.76	3,231.76	107.63	228.66	1,893.53
Profit Before Tax	1,752.33	1,733.81	1,806.60	1,658.35	4,373.49
Taxes	587.02	705.76	557.73	466.97	3,059.23
Profit after Tax	1,501.73	1,863.15	1,577.80	1,554.01	2,982.62
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	1,501.73	1,863.15	1,577.80	1,554.01	2,982.62

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Shareholder's Funds	14,543.83	26,470.38	10,769.36	13,934.17	34,578.08
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	1,53,311.97	1,72,688.35	69,545.83	1,15,115.51	3,49,590.46
Borrowings	19,229.85	10,008.46	2,229.30	5,463.77	26,074.91
Other Liabilities & Provisions	3,202.39	4,270.32	3,406.93	2,070.79	9,713.17
Total Liabilities	1,79,270.31	2,11,123.73	75,299.60	1,29,355.20	3,95,858.44

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Cash and Balance with Reserve Bank of India	6,329.75	12,196.10	2,531.52	4,681.29	11,490.17
Balances with Banks and Money at Call	1,439.60	2,212.51	1,087.77	1,057.14	12,531.15
Investments	50,907.22	36,083.34	18,800.05	27,523.37	99,927.51
Advances	1,24,033.71	1,54,600.46	60,429.04	90,581.25	2,82,571.02
Net Block	1,862.01	931.02	310.56	1,051.54	4,125.96
Other Assets	5,565.47	6,698.97	2,788.89	11,704.60	9,258.94
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	1,79,270.31	2,11,123.73	75,299.60	1,29,355.20	3,95,858.44

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Cash From Operating Activities	-1,893.11	1,142.59	-100.87	1,100.10	-10,584.18
Cash Flow from Investing Activities	-240.91	316.56	-118.25	-87.82	-419.25
Cash from Financing Activities	-386.79	2,922.69	25.81	-1,260.36	-977.36
Net Cash Inflow / Outflow	-2,520.81	4,381.83	-193.31	-248.08	-11,980.79

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Yield on Advances	10.34	14.45	10.95	10.90	10.20
Yield on Investments	7.52	7.59	7.05	6.67	7.01
Interest Spread	5.30	8.44	5.68	5.82	5.61
NIM (%)	2.77	0.00	4.19	0.00	3.19
ROE (%)	10.47	7.16	15.11	11.44	8.79
ROA (%)	0.84	0.91	2.04	1.22	0.76
Cost to Income Ratio	60.97	56.76	45.50	56.33	52.92

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Revenue Growth (%)	5.67	2.31	18.82	4.72	6.37
EBIT Growth (%)	5.15	-20.62	6.27	8.03	6.49
Net Profit Growth (%)	29.64	51.69	29.91	35.38	18.43
EPS Growth (%)	28.17	51.69	29.91	35.28	16.98
Book Value Growth (%)	10.03	3.68	14.04	9.14	20.90

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Price / Earnings	9.39	13.97	8.27	7.88	10.03
Price / Book Value	1.05	1.00	1.21	0.92	0.95
Dividend Yield (%)	1.96	0.93	1.52	1.54	1.84
EV/EBITDA	35.50	8.70	7.14	10.90	7.75
Market Cap (₹ Cr)	14,623.42	22,754.05	9,188.86	8,435.37	28,152.59

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.