Punjab & Sind Bank
Fundamentals
- Market cap
- ₹17,476 cr
- P/E
- 13.22×
- ROE
- 7.59%
- Debt / equity
- 1.16
- Div yield
- 1.56%
- 52-week range
- 20.50 — 33.55
Analysis — the numbers vs the call
- PSB's profit rise is old news; the guidance cuts are not
Numbers confirmed but management trimmed NIM view and shifted ECL provisioning without reconciling earlier stance
Company snapshot
Punjab & Sind Bank
Banks
₹17,661 cr
P/E 12.76×
Latest quarter · Jun 2026
Net profit₹332 cr
Net margin+10.3%
EPS₹0.47
Returns & growth
Return on equity+10.4%
Sales CAGR+4.3%
EPS CAGR−14.1%
The timeline — 3 notes on Punjab & Sind Bank
July 2026
- 20 Jul 26 · 5:00 PM IST Brief Brief · Mid cap
PSB targets Rs 4 lakh crore business by FY29, guides for 19-20% credit growth
Q1 profit rose 23% to Rs 331 cr; concall adds forward guidance including a Rs 150 cr precautionary ECL provision and NIM target of 2.6-2.7%.
- 18 Jul 26 · 6:11 PM IST Brief Brief · Earnings · Mid cap
Punjab & Sind Bank profit up 23%, bad loans shrink
Net profit rises to ₹331 crore. Gross NPAs drop to 2.21% from 3.34%. The numbers are solid but widely expected.
- 18 Jul 26 · 5:54 PM IST Brief Brief · Earnings · Mid cap
PSB Q1 profit up 23% to ₹331 cr, but market already knew
The numbers were flagged in yesterday's release; today's board meeting adds no new material information.