Punjab & Sind Bank Complete Financial Statements
In FY2026, Punjab & Sind Bank (PSB) reported revenue ₹11,982 Cr, net profit ₹1,322 Cr and EPS ₹1.86, with a net profit margin of 11.0% and ROE of 9.9%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore PSB value investing to estimate fundamental worth using multiple valuation models.
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Profitability Ratios
Balance Sheet Ratios
PSB Revenue, Net Profit & EBITDA — Year-on-Year Growth
PSB YoY (March 2025 vs March 2026) — revenue -8.2%, net profit +30.1%, EBITDA -100.0%, expenses -0.8%. For live price, earnings ratios and company overview, see Punjab & Sind Bank share price chart.
PSB Income Statement — Revenue, EBITDA & Net Profit
Punjab & Sind Bank revenue ₹11,982 Cr, EBITDA ₹0 Cr, net profit ₹1,322 Cr, EPS ₹1.86 (2026) — net profit margin 11.0%. Review PSB P/E ratio to evaluate earnings-based valuation against sector peers.
| Particulars | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11,982 | 13,049 | 10,916 | 8,933 | 8,055 | 7,878 | 8,827 | 9,387 | 8,530 | 8,751 | 9,223 | 9,017 |
| Expenses | 3,837 | 3,869 | 2,976 | 2,145 | 2,287 | 6,468 | 4,423 | 3,982 | 3,347 | 2,445 | 2,110 | 1,914 |
| EBITDA | 0 | 1,483 | 1,087 | 1,768 | 1,324 | -3,302 | -1,468 | -874 | -531 | 293 | 544 | 194 |
| Operating Profit Margin % | 68.00% | 66.00% | 69.00% | 73.00% | 68.00% | 7.00% | 44.00% | 53.00% | 58.00% | 70.00% | 76.00% | 78.00% |
| Depreciation | 0 | 145 | 150 | 148 | 137 | 102 | 54 | -15 | 64 | 43 | 46 | 46 |
| Interest | 8,170 | 7,698 | 6,853 | 5,019 | 4,445 | 4,712 | 5,872 | 6,279 | 5,714 | 6,014 | 6,569 | 6,909 |
| Profit Before Tax | 1,752 | 1,338 | 937 | 1,620 | 1,187 | -3,404 | -1,522 | -859 | -595 | 251 | 498 | 148 |
| Tax | 430 | 322 | 342 | 307 | 148 | -671 | -532 | -315 | 149 | 49 | 162 | 27 |
| Net Profit | 1,322 | 1,016 | 595 | 1,313 | 1,039 | -2,733 | -991 | -544 | -744 | 201 | 336 | 121 |
| Earnings Per Share (₹) | 1.86 | 1.50 | 0.88 | 1.94 | 2.56 | -35.71 | -15.76 | -9.62 | -18.49 | 5.02 | 8.39 | 3.59 |
PSB Balance Sheet — Assets, Liabilities & Shareholders' Equity
PSB total assets ₹161,815 Cr, total equity ₹13,355 Cr, total liabilities ₹ Cr (2025) — ROE 9.9%.
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||||
| Total Assets | 161,815 | 147,657 | 136,455 | 121,068 | 110,482 | 100,504 | 108,982 | 113,759 | 96,643 | 102,581 | 97,753 |
| Current Assets | 14,526 | 11,945 | 11,433 | 11,414 | 13,617 | 14,549 | 11,290 | 12,532 | 9,042 | 9,887 | 8,882 |
| Fixed Assets | 1,779 | 1,756 | 1,519 | 1,577 | 1,585 | 1,241 | 1,230 | 1,083 | 1,095 | 1,133 | 995 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 46,912 | 49,599 | 44,838 | 42,281 | 32,023 | 24,552 | 26,173 | 32,982 | 27,949 | 27,645 | 24,007 |
| Other Assets | 113,124 | 96,302 | 90,097 | 77,210 | 76,874 | 74,711 | 81,579 | 79,695 | 67,600 | 73,803 | 72,752 |
| LIABILITIES | |||||||||||
| Total Liabilities | |||||||||||
| Current Liabilities | 157,358 | 144,714 | 133,793 | 118,592 | 107,115 | 98,477 | 106,973 | 111,592 | 94,641 | 100,260 | 95,461 |
| Non-Current Liabilities | |||||||||||
| SHAREHOLDERS' EQUITY | |||||||||||
| Total Equity | 13,355 | 15,533 | 15,109 | 14,011 | 8,363 | 5,596 | 5,701 | 6,183 | 6,143 | 5,970 | 5,596 |
| Share Capital | 7,096 | 6,778 | 6,778 | 6,778 | 4,053 | 701 | 565 | 565 | 400 | 400 | 400 |
| Reserves & Surplus | 6,259 | 8,756 | 8,331 | 7,233 | 4,310 | 4,895 | 5,137 | 5,618 | 5,742 | 5,570 | 5,196 |
PSB Cash Flow Statement — Operating, Investing & Financing
Punjab & Sind Bank operating cash flow ₹-2,294 Cr, investing ₹-168 Cr, financing ₹3,898 Cr, net cash flow ₹1,437 Cr (2025).
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | -2,294 | 1,746 | 1,428 | -5,999 | -5,848 | 2,210 | -97 | 1,063 | -495 | 930 | -1,982 |
| Investing Activities | -168 | -229 | -88 | -121 | -446 | -63 | -61 | -51 | -34 | -38 | -85 |
| Financing Activities | 3,898 | -432 | -1,332 | 4,068 | 5,055 | 814 | -356 | 1,531 | 216 | -209 | -39 |
| Net Cash Flow | 1,437 | 1,086 | 9 | -2,051 | -1,239 | 2,960 | -515 | 2,543 | -313 | 683 | -2,105 |