Punjab & Sind Bank Q2 FY27: PAT ₹331 Cr & Rev ₹1,038 Cr

1 Financial Results 🔴 High Importance Neutral 📄 PDF

Investor Takeaways

Net profit increased 23.05% YoY to ₹331 crore for Q1 FY26

Gross NPA declined 113 bps to 2.21%

Provision coverage ratio improved 56 bps to 92.33%

Total business grew 15.27% to ₹266,420 crore

Retail term deposits rose 14.94% and advances increased 19.35% YoY

Overall Tone: Positive

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹1038 Cr	N/A
Net Profit	₹331 Cr	+23.05%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

Punjab & Sind Bank reported a 23.05% year-on-year increase in net profit to ₹331 crore for Q1 FY26, reflecting improved operational performance. The bank's total business expanded by 15.27% to ₹266,420 crore, indicating broader customer engagement and loan disbursement growth. Advances grew 19.35% YoY, while retail term deposits increased 14.94%, suggesting stronger deposit base expansion. Gross NPA improved to 2.21% from 2.32% in the previous year, reflecting better asset quality, while the provision coverage ratio rose to 92.33% from 91.77%, indicating enhanced resilience against potential loan defaults. These metrics collectively point to a more stable and growing financial profile.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
Punjab & Sind Bank	12.71	N/A	N/A	16,795.25
HDFC Bank Limited	15.5	14.3%	24.4%	1,181,607.38
ICICI Bank Limited	15.47	N/A	N/A	8,92,242
State Bank of India	10.44	N/A	N/A	8,89,093.09

PSB trades at a lower P/E multiple compared to HDFC Bank and ICICI Bank, suggesting potential relative undervaluation. However, its ROE and ROCE figures are not available in the provided data, limiting direct profitability and efficiency comparisons.

Risks & Concerns

No specific risks were identified in the filing

Asset quality remains under watch with gross NPA at 2.21%, which is still above the ideal threshold of 2% for public sector banks

Provision coverage ratio at 92.33% indicates moderate coverage, leaving limited buffer against unexpected credit losses

Quarterly Trend

Not available

2 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
PSB reports Q1 FY2026-27 growth and asset quality improvements

🔄 What Changed
Total business (+15.27% YoY), deposits (+12.16% YoY), gross advances (+19.35% YoY), net profit (+23.05% YoY), gross NPA (2.21% vs 3.34%), net NPA (0.65% vs 0.91%)

🔮 What's Next
Deposit growth guidance of 13-14% YoY and advances growth guidance of 16-18% YoY for FY27

💡 Investor Takeaway
Shareholders see improved growth and asset quality with strong capital adequacy and digital momentum.

Punjab & Sind Bank reported strong YoY growth in total business, deposits, and gross advances for Q1 FY2026-27, with total business at ₹266,420 crores (+15.27% YoY), deposits at ₹147,130 crores (+12.16% YoY), and gross advances at ₹119,290 crores (+19.35% YoY). Net profit rose 23.05% YoY to ₹331 crores, driven by improved asset quality with gross NPA declining to 2.21% and net NPA to 0.65%. Operating profit stood at ₹545 crores (+0.93% YoY) and core fee income grew 13.89% YoY to ₹164 crores.

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About Punjab & Sind Bank (PSB)

Financial Services · Banks · Listed on NSE

Market Cap: ₹16,163.74 Cr P/E: 11.7 ROE: 9.8% ROCE: 33.5% Div Yield: 1.71%

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🔥 Also filed on 18 July 2026

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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