Punjab & Sind Bank
PSB · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹31.78.
Investability checklist
- ✕ROE above 15%9.6%
- –Low debt (D/E < 0.5)
- ✕Positive free cash flow
- ✓Revenue growth > 10%34%
- ✓Earnings growing29%
- ✓Net margin ≥ 10%25.6%
- –Current ratio > 1.5
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✕Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- –Piotroski ≥ 7
1-year price
EOD · 2026-06-16Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Shareholding
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (25.6%).
Weaknesses
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Earnings growing (29% YoY).
- •Revenue growing (34% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~66% below our estimated fair value.
About Punjab & Sind Bank
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and central sector intere
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.