Punjab & Sind Bank (PSB) Fair Value & Analysis
Financial Services · IN · Market cap ₹177B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +5.7% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹20.66 – ₹32.84 · fair‑value band ₹18.16 – ₹30.27 · the ₹24.75 price screens above the ₹24.22 fair value. As of Jul 3, 2026.
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Punjab & Sind Bank (PSB) currently trades at ₹24.75, while our model-based Fair Value estimate is ₹24.22 — implying the stock looks roughly 2.1% overvalued today. We read business quality at 50/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Punjab & Sind Bank generated revenue of ₹51.6B at a net margin of 25.6%. Revenue grew 33.8% year over year. It earns a return on equity of 9.6%. Net debt stands at ₹101B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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 interest subsidiary schemes, roof solar top solar finance, and debt restructuring services. In addition, it offers locker facility and government schemes; life, general, and health insurance services; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding and pay, point of sale, unified payment interface, BBPS, IMPS/USSD, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, residential …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Punjab & Sind Bank reported revenue of ₹138B in FY2026 versus ₹81.1B in FY2022, a compound +14.1%/yr. Reported net income was ₹13.2B in FY2026, compounding +6.2%/yr from FY2022.
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| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.