Flash Finance

Punjab & Sind BankPSBBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data
₹21.29
MCap ₹15,107 Cr · P/E 10.9
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹3,213 Cr
Interest Earned · Jun 2026
+10.4% YoY
₹545 Cr
Operating Profit · Jun 2026
+1.0% YoY
₹332 Cr
Net Profit · Jun 2026
+23.2% YoY
₹0.47
EPS · Jun 2026
+23.7% YoY
2.21%
Gross NPA % · Jun 2026
0.65%
Net NPA % · Jun 2026

📝 Punjab & Sind Bank — results explained

Quarter ended June 2026 (Q1 FY27)

Punjab & Sind Bank reported total income of ₹3,546 crore for the quarter ended June 2026 (Q1 FY27), up 4.9% from ₹3,379 crore in the same quarter last year, and up 2.6% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹3,213 crore and other income ₹332 crore. Net interest income (interest earned minus interest expended of ₹2,175 crore) worked out to ₹1,039 crore.

Net profit rose 23.2% year-on-year to ₹332 crore, from ₹269 crore. Earnings per share (EPS) came in at ₹0.47.

On asset quality, gross NPA stood at 2.21% and net NPA at 0.65% (gross NPA was 3.34% a year ago); the capital adequacy ratio was 17.61%.

Full year and trailing twelve months

For the full year FY26, Punjab & Sind Bank posted total income of ₹13,759 crore, a growth of 5.4% over FY25, with a net profit of ₹1,322 crore (up 30.1% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹13,925 crore with a net profit of ₹1,384 crore.

Valuation snapshot

At the current price of ₹21.29, PSB has a market capitalisation of ₹15,107 crore and a trailing P/E of about 10.9.

Within the Banks - Regional industry, it is the 25th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 93.85%, foreign institutional investors (FIIs) 0.12%, domestic institutional investors (DIIs) 3.79%, public shareholders 2.24% of Punjab & Sind Bank.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹15,107 Cr
Current Price ?
₹21.3
P/E ?
10.91above ind
Industry P/E ?
10.70
P/B ?
1.07
P/S ?
1.08
P/FCF ?
-7.08
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
9.2%
Dividend Yield ?
0.33%
Profitability & Returns
Total Income (TTM) ?
₹13,925 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹1,384 Cr
EPS (TTM) ?
₹1.95
ROCE ?
N/A
ROE ?
9.8%
ROA ?
0.8%
Gross NPA % ?
2.21%
Net NPA % ?
0.65%
Growth
Total Income — latest qtr ?
₹3,546 Cr
PAT — latest qtr ?
₹332 Cr
YoY qtr sales growth ?
4.9%
YoY qtr profit growth ?
23.2%
Sales growth (3y) ?
14%
Sales growth (5y) ?
11%
Profit growth (3y) ?
0%
Profit growth (5y) ?
20%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
93.85%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-14.0%
Return 6 months ?
-15.6%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 2,1072,1052,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,0423,0303,213 +10.4% +6.1%
Other Income 138547179268362413194359338677469374507427332 -29.1% -22.2%
Total Income 2,2452,6522,4942,6742,8532,8942,8463,0983,2693,8363,3793,3733,5493,4573,546 +4.9% +2.6%
Interest Expended 1,3021,4211,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,0552,175 +8.2% +5.8%
Operating Profit 344536257260277336317458484816540505594—545 +1.0% —
Provisions -207-5723-3596110103151109374217148138—94 -56.7% —
Profit Before Tax 552593234295181227213307375442323357456615451 +39.8% -26.6%
Net Profit 373457153189114139182240282313269295336422332 +23.2% -21.4%
EPS 0.550.670.230.280.170.210.270.350.420.460.380.420.470.590.47 +23.7% -20.3%
Gross NPA % 8.36% 6.97% 6.80% 6.23% 5.70% 5.43% 4.72% 4.21% 3.83% 3.38% 3.34% 2.92% 2.60% 2.40% 2.21% — —
Net NPA % 2.02% 1.84% 1.95% 1.88% 1.80% 1.63% 1.59% 1.46% 1.25% 0.96% 0.91% 0.83% 0.74% 0.79% 0.65% — —
Capital Adequacy Ratio 15.57% 17.10% 17.19% 17.23% 16.13% 17.16% 17.30% 16.89% 15.95% 17.41% 17.90% 17.19% — — 17.61% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹11,481 Cr ₹11,982 Cr ₹12,284 Cr +4.4%
Other Income ₹1,568 Cr ₹1,777 Cr ₹1,641 Cr +13.4%
Total Income ₹13,049 Cr ₹13,759 Cr ₹13,925 Cr +5.4%
Interest Expended ₹7,698 Cr ₹8,170 Cr ₹8,335 Cr +6.1%
Net Interest Income ₹3,784 Cr ₹3,811 Cr ₹3,950 Cr +0.7%
Operating Profit ₹2,075 Cr ₹1,639 Cr ₹1,645 Cr -21.0%
Provisions ₹737 Cr ₹503 Cr ₹379 Cr -31.8%
Profit Before Tax ₹1,338 Cr ₹1,752 Cr ₹1,880 Cr +31.0%
Tax ₹322 Cr ₹237 Cr ₹303 Cr -26.4%
Net Profit ₹1,016 Cr ₹1,322 Cr ₹1,384 Cr +30.1%
EPS ₹1.50 ₹1.86 ₹1.95 +24.0%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 6,7786,7787,0967,096 +0.0%
Reserves 8,3318,7566,2597,037 +12.4%
Deposits 109,665119,410129,774145,829 +12.4%
Borrowing 9,0189,77114,23016,352 +14.9%
Other Liabilities 2,6622,9434,4572,957 -33.7%
Total Liabilities 136,455147,657161,815179,270 +10.8%
Fixed Assets 1,5191,7561,7791,862 +4.7%
CWIP 0000 —
Investments 44,83849,59946,91249,388 +5.3%
Other Assets 90,09796,302113,124128,020 +13.2%
Total Assets 136,455147,657161,815179,270 +10.8%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 1,4281,746-2,294-1,893 +17.5%
Cash from Investing Activity -88-229-168-241 -43.5%
Cash from Financing Activity -1,332-4313,898-387 -109.9%
Net Cash Flow 81,0861,437-2,521 -275.4%
Free Cash Flow 1,3401,518-2,461-2,134 +13.3%
CFO/OP 27%31%-39%-20% +48.7%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 9%4%7%10% +42.9%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
Promoters 93.85%93.85%93.85%93.85%93.85% +0.0%
FIIs 0.25%0.16%0.16%0.15%0.12% -20.0%
DIIs 4.08%4.03%4.00%3.90%3.79% -2.8%
Public 1.82%1.96%1.99%2.09%2.24% +7.2%
No. of Shareholders 2,22,2342,22,1202,22,4152,22,3012,22,056 -0.1%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 PSB Punjab & Sind ₹22.78 16,164 11.7 13,925 1,384 11.8% 9.9% 5.4% 30.1% 4.9% 23.2%
❓ Frequently asked questions
What was Punjab & Sind Bank's total income in Q1 FY27?
Punjab & Sind Bank reported total income of ₹3,546 crore for the quarter ended June 2026 (Q1 FY27), up 4.9% from ₹3,379 crore in the same quarter last year, and up 2.6% sequentially over the March 2026 quarter.
What was Punjab & Sind Bank's net profit in Q1 FY27?
Net profit rose 23.2% year-on-year to ₹332 crore, from ₹269 crore. Earnings per share (EPS) came in at ₹0.47.
What is PSB's market capitalisation and P/E ratio?
At the current price of ₹21.29, PSB has a market capitalisation of ₹15,107 crore and a trailing P/E of about 10.9.
What are Punjab & Sind Bank's NPA levels?
On asset quality, gross NPA stood at 2.21% and net NPA at 0.65% (gross NPA was 3.34% a year ago); the capital adequacy ratio was 17.61%.
Who owns Punjab & Sind Bank? (shareholding pattern)
As of Sep 2026, promoters held 93.85%, foreign institutional investors (FIIs) 0.12%, domestic institutional investors (DIIs) 3.79%, public shareholders 2.24% of Punjab & Sind Bank.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI