Punjab & Sind Bank P/B Ratio
Current P/B Ratio
1.28
Moderate Valuation
Moderate - Reasonably valued relative to book value
Punjab & Sind Bank (PSB) P/B ratio is 1.28 (Moderate), book value per share ₹18.82 vs Banks average P/B of 1.38 — Moderate - Reasonably valued relative to book value. View Punjab & Sind Bank 52-week for the annual high/low range and current price position.
Current Valuation Metrics
P/B Ratio
1.28
Current Price
₹24.28
Book Value/Share
₹18.82
Exchange
NSE
Book Value Breakdown (2025)
Balance Sheet Components
Total Equity
₹13,355 Cr
Share Capital
₹7,096 Cr
Reserves & Surplus
₹6,259 Cr
Outstanding Shares
7,096,000,000
Book Value per Share
₹18.82
Valuation Signal
Signal
Fairly Valued
Historical Avg
1.58
Historical Range
0.78 - 2.1
Percentile
20.0%
Sector Context
Sector Average
1.38
Sector Median
1.27
Sector Rank
#11 of 40
Sector Percentile
27.5%
Punjab & Sind Bank P/B Ratio Historical Trend
PSB annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Compare with PSB DCF valuation to assess whether the stock is under or overvalued.
PSB Historical P/B Ratio — Book Value Per Share & Year-End Price
Punjab & Sind Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2025 | 1.47 | ₹18.82 | ₹27.69 | ₹13,355 | Moderate |
| 2024 | 2.1 | ₹22.92 | ₹48.15 | ₹15,533 | Moderate |
| 2023 | 1.94 | ₹22.29 | ₹43.15 | ₹15,109 | Moderate |
| 2022 | 1.63 | ₹20.67 | ₹33.75 | ₹14,011 | Moderate |
| 2021 | 0.78 | ₹20.63 | ₹16.10 | ₹8,363 | Low |
PSB vs Banks Peers — P/B Ratio Comparison
Punjab & Sind Bank P/B 1.28 vs Banks average 1.38, median 1.27 — range 0.78–3.79.
Sector Average
1.38
Sector Median
1.27
Lowest P/B
0.78
Highest P/B
3.79
Companies
40
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Bank of India | BANKINDIA | 0.78 | ₹66,474 | Low |
| Karnataka Bank | KTKBANK | 0.79 | ₹9,993 | Low |
| Central Bank of India | CENTRALBK | 0.81 | ₹28,304 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.83 | ₹1,717 | Low |
| Punjab National Bank | PNB | 0.83 | ₹122,124 | Low |
| Bank of Baroda | BANKBARODA | 0.83 | ₹140,790 | Low |
| ESAF Small Finance Bank | ESAFSFB | 0.84 | ₹1,494 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.87 | ₹1,281 | Low |
| Utkarsh Small Finance Ba… | UTKARSHBNK | 0.88 | ₹2,402 | Low |
| DCB Bank | DCBBANK | 0.93 | ₹5,875 | Low |