ScoreWhy is Punjab & Sind Bank ?
1
Despite the size of the company, domestic mutual funds hold only 1.87% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
2
Below par performance in long term as well as near term
- Along with generating -48.25% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Pun. & Sind Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Pun. & Sind Bank
-40.92%
-1.09
44.14%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.31%
Net Profit Growth (5y)
19.01%
Advance to Deposit
68.83%
Capital Adequacy Ratio (Tier 1)
14.05%
Gross NPA (latest)
2.60%
Gross NPA (avg)
6.99%
Coverage Ratio (avg)
73.83%
Cost to Income (avg)
64.89%
Net Interest Margin (avg)
2.46%
Operating Profit to Assets (avg)
3.22%
ROA (avg)
0.70%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Price to Book Value
1.39
PEG Ratio
0.42
Dividend Yield
NA
ROE (Latest)
8.71%
ROA (Latest)
0.71%
Net NPA to Book Value
5.72
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA(Q)
Lowest at 2.60%
NET NPA(Q)
Lowest at 0.74%
CREDIT DEPOSIT RATIO(HY)
Highest at 77.74%
PAT(Q)
Highest at Rs 336.42 cr.
EPS(Q)
Highest at Rs 0.47
-2What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 5,702.54 cr
NON-OPERATING INCOME(Q)
is 111.13 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Pun. & Sind Bank
Gross NPA - Quarterly
Lowest at 2.60% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.74% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 336.42 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.47
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 77.74%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 111.13 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 5,702.54 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
