Punjab & Sind Bank Intrinsic Value
Punjab & Sind Bank (PSB) median intrinsic value is ₹19.50 from 10 valuation models (range ₹10–₹33), vs current price ₹22.10 — -11.8% downside (Trading Above Median Value), margin of safety -13.3%. See PSB price book multiple to compare market price against book value per share.
PSB Valuation Methods Summary — DCF, Graham Number & P/E
Punjab & Sind Bank intrinsic value across 10 models vs current price ₹22.10 — upside/downside and value range per method. Check Punjab & Sind Bank market cap to track the company's total market size over time.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹22.80 | ₹18.24 - ₹27.36 | +3.2% | EPS: ₹1.90, Sector P/E: 12x |
| Book Value Method | asset | ₹15.93 | ₹14.34 - ₹17.52 | -27.9% | Book Value/Share: ₹19.92, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹19.63 | ₹17.67 - ₹21.59 | -11.2% | Revenue/Share: ₹19.63, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹13.25 | ₹11.93 - ₹14.58 | -40.0% | EBITDA: ₹1881.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹33.42 | ₹26.74 - ₹40.10 | +51.2% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹12.16 | ₹10.94 - ₹13.38 | -45.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹16.09 | ₹14.48 - ₹17.70 | -27.2% | Revenue Growth: 11.7%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹19.50 | ₹17.55 - ₹21.45 | -11.8% | ROE: 9.8%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹29.18 | ₹26.26 - ₹32.10 | +32.0% | EPS: ₹1.90, BVPS: ₹19.92 |
| Dividend Yield Method | dividend | ₹9.75 | ₹8.78 - ₹10.73 | -55.9% | DPS: ₹0.39, Target Yield: 4.0% |
PSB Intrinsic Value vs Market Price — All Valuation Models
Punjab & Sind Bank fair value range ₹10–₹33 vs current market price ₹22.10 across 10 valuation models. For current market price and key ratios, visit Punjab & Sind Bank stock price NSE.
PSB Intrinsic Value Analysis — Undervalued or Overvalued?
Punjab & Sind Bank median intrinsic value ₹19.50, current price ₹22.10 — Trading Above Median Value by 11.8%, margin of safety -13.3%.
What is the intrinsic value of PSB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Punjab & Sind Bank (PSB) is ₹19.50 (median value). With the current market price of ₹22.10, this represents a -11.8% variance from our estimated fair value.
The valuation range spans from ₹9.75 to ₹33.42, indicating ₹9.75 - ₹33.42.
Is PSB undervalued or overvalued?
Based on our multi-method analysis, Punjab & Sind Bank (PSB) appears to be trading above median value by approximately 11.8%.
PSB Financial Health — Key Ratios vs Industry Benchmarks
Punjab & Sind Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PSB Cash Flow Quality — Operating & Free Cash Flow
Punjab & Sind Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,893 Cr | ₹-2,014 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-2,294 Cr | ₹-2,378 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1,746 Cr | ₹1,632 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,428 Cr | ₹1,384 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-5,999 Cr | ₹-6,060 Cr | Negative Cash Flow | 3/10 |