Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 7 Jul
Source: Bse
Punjab & Sind Bank (PSB)
Small CapFinancial Services stocks · Small cap · NSE
Punjab & Sind Bank operates in Public Sector Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:17 pm ISTDetails
Quote21 Oct, 03:17 pm IST
Base fundamentals18 Oct 2026 · screener
Official result overlay30 Sept 2026 · nse-xbrl
Latest result17 Oct, 06:41 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
34Bearishfull bear SMA stack · SMA20 -6.5% / mo · MACD + · near 52W low
Stock trend: 26
Sector RS: 46
Sector 3M: -5.8% vs Nifty 500 -5.8%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
PSBD candles · FIT view-17.0%TODAY · PROVISIONALLatest price ₹20.81 on 2026-10-21
Today's candle is provisional from the latest intraday quote; completed-candle scans remain unchanged.
Bar
-1.8%
RSI
35
MACD hist
0.06
52W pos
3%
2026-10-21O ₹21.20H ₹21.27L ₹20.68C ₹20.81Vol 17.0L shIntraday candle
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
PSBNifty Financial ServicesNifty 500
- PSB
- -14.4%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- -8.8 pp
Chart stats
19 Oct 2026- From 52W high
- -34.5%
- 52W range position
- 6%
- ATR (14)
- 2.4%
- Volume vs 20D
- 10.01x
- Avg traded value
- ₹2.7 Cr
- 20D price channel
- ₹20.6 - ₹22.5
₹32.5
₹20.5 - ₹32.5
₹0.5
Latest completed session
20-session average
17.2% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE53
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent75
Revenue +24.9% · PAT +39.6% YoY
Technical
Bearish34
Price trend and sector-relative-strength timing.
Valuation
Legacy model+61.3%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence69
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Sept 2026
Excellent · 75/100Rev +25% YoY · PAT +40% YoY · +6% QoQ · operating leverage
Filed 17 Oct 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹3,746.5 Cr | +24.9% | +5.7% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹412 Cr | +39.6% | +24.3% |
| PAT margin | 11.0% | +116 bps | +165 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 10.10
- P/B
- 1.04
- EV/EBITDA
- —
- Market Cap
- 15106.00Cr
Profitability
- ROE
- 9.62%
- ROCE
- 5.95%
- ROA
- 0.79%
- Dividend Y
- 1.86%
Growth (CAGR)
- Revenue 5Y
- 11.00%
- EPS 5Y
- 20.00%
- Revenue 3Y
- 14.00%
- EPS 3Y
- 33.84%
Balance Sheet
- Debt/Equity
- 0.12
- Interest Coverage
- —
- Altman Z
- 1.73
- Book Value
- 20.50
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 5/5
- OCF
- -1893.00 Cr
- EPS TTM
- 2.11
Shareholding
- Promoter Hold
- 93.85%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 7%
Financial History
Updated 20/10/2026
Revenue
₹ CrLatest: 3,747+5.7% vs prev
Net Profit
₹ CrLatest: 412+24.3% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 35.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- SMA20 falling (~6.9% over last month) — short-term momentum negative.
- RSI(14) at 35 — falling, no extreme reading.
- MACD above signal but histogram contracting — bullish momentum cooling.
- Within 5% of 52-week low — testing support.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
23
RS percentile
Stage 4 Downtrend
1M return
-3.8%
3M return
-14.4%
6M return
-16.8%
1Y return
-32.6%
RS 1D
0
RS 20D
-4
Sector rank
#10
Industry rank
#20
Stage evidence
- Price is 9.6% below the 30-week proxy.
- The 50-DMA is below the 30-week proxy and its slope is falling -2.0%.
- Both 3-month and 6-month returns are negative.
50-DMA
price below
200-DMA
price below
Sector
weakening
Industry
improving
Relative-strength line vs Nifty 500 (base 100)
261 observations
19 Oct 2026Value 75.28+0.95%
RS vs Nifty 50075
Valuation & peers
U-Score 53 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 53 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · FAIR VALUEValuation23/30
Growth19/25
Quality0/20
Balance Sheet6/15
Cash Flow3/10
Piotroski
4/9 (+1)
Penalties
1
Raw sum
53
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
53/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 61.3%.
- Valuation contributes 23/30 to the score.
- Growth contributes 19/25 to the score.
Main drags
- Altman Z is 1.7, in distress territory.
- Quality is weaker at 0/20; verify the latest quarterly trend.
- Cash flow is weaker at 3/10; verify the latest quarterly trend.
Sector valuation model
Bank valuation: P/B adjusted for ROE and asset quality
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
Primary lens
Price/book and ROE/ROA, not trailing PE alone.
Secondary checks
Capital adequacy, credit cost, NPA trend, deposit franchise.
Main risk check
Low P/B can be a trap if asset quality or credit cost is worsening.
PE
10.1
PB
1.0
EV/EBITDA
—
ROE
9.6%
ROCE
6.0%
FCF Yield
—
Debt/Equity
0.1
MoS
+61.3%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
53
Previous: 53
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+61.3%
Previous: +60.5%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
53
53
53
53
53
53
53
56
53
53
53
53
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹31.2
+33.3% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹53.81
+61.3% MoS
PEG
0.40
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
SOUTHBANK
Micro
The South Indian Bank Limited
Banking
match 160
51
8.6
13.5%
+63%
FAIR VALUE
CENTRALBK
Large
Central Bank of India
Banking
match 152
68
6.2
11.9%
+76%
UNDERVALUED
UCOBANK
Large
UCO Bank
Banking
match 152
57
10.0
8.5%
+68%
FAIR VALUE
SBIN
Large
State Bank of India
Banking
match 143
62
10.5
15.4%
+59%
UNDERVALUED
UNIONBANK
Large
Union Bank of India
Banking
match 143
63
6.4
15.7%
+75%
UNDERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Punjab & Sind Bank operates in Public Sector Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Sept 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
69Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 59th percentile of the scored universe and 71st percentile within Financial Services. Main check: cash conversion is weak at 52/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
94 docs text-extracted · 36 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
59th percentile
overall median 67 · Financial Services: 71st pctile, median 62 · Small: 63rd pctile, median 66
Evidence depth
Financial-only
94 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
52
watch · profit to cash conversion
Balance sheet
73
acceptable · leverage and solvency
Discipline
56
watch · capital discipline
Results
87
strong · quarterly consistency
Trust positives
- ▸Promoter holding is 93.9%.
- ▸Promoter pledge is zero.
- ▸5 years of positive FCF.
- ▸3/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-1893 Cr.
- ▸ROCE is low at 6%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Punjab & Sind Bank
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual report
Reg. 34 (1) Annual Report. 6 Jul
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances 7 May - Punjab & Sind Bank received strike notice for All India strike on 08.05.2026.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 29 Apr
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.