ScoreWhy is Punjab & Sind Bank ?
1
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from on
- The stocks MACD and KST technical factors are also Bearish
2
Despite the size of the company, domestic mutual funds hold only 1.86% 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
3
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 0.61% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -18.77% returns
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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Pun. & Sind Bank
-18.77%
-0.58
32.27%
Sensex
-5.14%
-0.39
13.26%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.22%
Net Profit Growth (5y)
19.96%
Advance to Deposit
71.22%
Capital Adequacy Ratio (Tier 1)
15.07%
Gross NPA (latest)
2.40%
Gross NPA (avg)
6.07%
Coverage Ratio (avg)
73.09%
Cost to Income (avg)
63.98%
Net Interest Margin (avg)
2.52%
Operating Profit to Assets (avg)
3.30%
ROA (avg)
0.72%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Price to Book Value
1.27
PEG Ratio
0.56
Dividend Yield
NA
ROE (Latest)
9.35%
ROA (Latest)
0.74%
Net NPA to Book Value
6.50
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
GROSS NPA(Q)
Lowest at 2.40%
CREDIT DEPOSIT RATIO(HY)
Highest at 79.48%
PBT LESS OI(Q)
Highest at Rs 188.08 cr.
PAT(Q)
Highest at Rs 421.83 cr.
EPS(Q)
Highest at Rs 0.59
-4What is not working for the Company
NON-OPERATING INCOME(Q)
is 69.44 % of Profit Before Tax (PBT
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Here's what is working for Pun. & Sind Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 188.08 cr has Grown at 268.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -111.99 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.40% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 79.48% and Grown
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 (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 188.08 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 421.83 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 421.83 cr has Grown at 39.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 303.22 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.59
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Pun. & Sind Bank
Non Operating Income - Quarterly
is 69.44 % 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
