Punjab & Sind Bank
Valuation (90/100) does the heavy lifting; momentum (13/100) is the drag.
Buy zoneOur blended model reads Punjab & Sind Bank as a Buy at 70/100. At ₹21.82 it trades below our blended DCF and relative-multiples fair value of ₹39.61, about 82% upside to that estimate — we read it as undervalued by 82%. On 13.4x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 30% below its 52-week high of ₹31.36 and 7% above the low of ₹20.34. Financial health scores 69/100. It clears 5 of 10 investability checks, with durability 75, valuation 79 and momentum 13 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹31.69.
1-year price
EOD · 2026-09-2552-week range
-30.42% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy70Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 9.6%
- No data: Low debt (D/E < 0.5)
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 34%
- Pass: Earnings growing: 29%
- Pass: Net margin ≥ 10%: 25.6%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- Fail: Positive 1-year return
- No data: Altman Z in safe zone
- No data: Piotroski ≥ 7
Shareholding
- Promoter93.8%
- Institutions1.4%
- Public & other4.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (25.6%).
Opportunities
- Earnings growing (29% YoY).
- Revenue growing (34% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~82% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Down 24% over the past year.
About Punjab & Sind Bank
Punjab & Sind Bank operates as a financial services provider in India, offering deposit accounts including savings, current, salary, and fixed deposit products. Its loan portfolio encompasses home, auto, personal, commercial vehicle, gold, agriculture, MSME, and various specialized lending products, alongside SME financing options and senior citizen savings accounts.
Punjab & Sind Bank — frequently asked questions
Is Punjab & Sind Bank a buy, hold or sell?
StocksWizard currently rates Punjab & Sind Bank (PSB) a Buy, based on a blended score of 70/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Punjab & Sind Bank's fair value?
Our blended DCF and relative-valuation model estimates Punjab & Sind Bank's fair value at about ₹39.61, versus a current price of ₹21.82 — roughly 82% upside. On that basis the stock looks undervalued by 82%.
Is Punjab & Sind Bank financially healthy?
Punjab & Sind Bank scores 69/100 on our financial-health model.
How has Punjab & Sind Bank's share price performed?
Punjab & Sind Bank is down 24% over the past year and down 9% over three months, and last traded at ₹21.82. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.