Punjab & Sind Peer Comparison

NSE: PSB | BSE: 533295

₹23.05

₹0.47 (2.08%)

As on 03-Sep-2026 15:57IST

Market cap

₹16,355 Cr

Revenue (TTM)

₹12,284 Cr

P/E Ratio

11.8

P/B Ratio

1.2

Div. Yield

1.7 %

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	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Market cap (₹ Cr)	16,355	26,454	14,946	12,861	30,910
Interest Income (₹ Cr)	12,284	21,844	6,096	9,039	26,841
Net Interest Income (₹ Cr)	3,949.70	10,993.04	2,712.80	3,301.48	10,601.50
NIM (%)	2.53	6.20	4.29	--	3.24
RoA (%)	0.81	0.67	1.96	1.15	0.74
Price to Earnings	11.82	19.55	10.35	8.95	10.97
Price-To-Book	1.21	1.03	1.42	0.98	1.00

Income Statement (₹ Cr)

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Interest Earned	12,284.21	21,844.05	6,095.61	9,039.20	26,841.34
Other Income	1,641.42	2,611.97	884.20	1,400.02	4,148.67
Total Income	13,925.63	24,456.02	6,979.81	10,439.22	30,990.01
Interest Expended	8,334.51	10,851.02	3,382.81	5,737.72	16,239.84
Operating Expenses	3,404.00	8,050.38	1,542.96	2,613.93	7,073.95
Operating Profit before Prov. & Cont.	2,181.74	5,864.92	1,855.23	1,974.42	6,428.93
Provisions and Contingencies	306.32	3,666.79	94.22	233.97	1,674.00
Profit Before Tax	1,752.33	1,733.81	1,806.60	1,658.35	4,373.49
Taxes	496.52	534.57	515.65	416.23	3,185.48
Profit after Tax	1,384.28	1,353.27	1,444.17	1,437.37	2,816.74
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	1,384.28	1,353.27	1,444.17	1,437.37	2,816.74

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Shareholder's Funds	14,633.27	25,574.90	10,562.02	13,224.22	34,028.47
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	1,47,129.58	1,66,344.45	64,408.69	1,08,777.07	3,32,315.24
Borrowings	16,881.45	14,302.81	1,540.21	5,329.00	24,867.73
Other Liabilities & Provisions	3,056.33	4,901.57	3,275.13	2,024.91	9,221.11
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	6,064.53	13,126.69	2,704.05	7,063.49	9,594.52
Balances with Banks and Money at Call	180.97	824.43	1,368.74	672.14	12,209.50
Investments	50,226.18	38,668.28	16,202.27	26,737.05	97,485.81
Advances	1,17,419.37	1,50,103.78	57,040.50	81,809.63	2,67,776.29
Net Block	1,862.01	931.02	310.56	1,051.54	4,125.96
Other Assets	5,849.50	6,999.25	2,158.40	12,012.73	9,229.26
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 (%)	2.53	6.20	4.29	0.00	3.24
ROE (%)	9.69	5.37	14.20	11.14	8.38
ROA (%)	0.81	0.67	1.96	1.15	0.74
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 (%)	4.64	-0.20	12.96	0.47	5.35
EBIT Growth (%)	5.15	-20.62	6.27	8.03	6.49
Net Profit Growth (%)	25.45	-34.11	20.33	23.39	12.60
EPS Growth (%)	22.73	-34.11	20.33	23.29	9.94
Book Value Growth (%)	10.47	3.68	13.23	9.14	22.22

	Punjab & Sind	Bandhan Bank	Tamilnad Mercantile	The Karnataka Bank	UCO Bank
Price / Earnings	11.82	19.55	10.35	8.95	10.97
Price / Book Value	1.21	1.03	1.42	0.98	1.00
Dividend Yield (%)	1.69	0.91	1.32	1.47	1.79
EV/EBITDA	48.39	9.11	9.77	15.21	8.60
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.