Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Punjab & Sind Bank. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Punjab & Sind Bank's
is considered below, and whether this is a fair price.
Price based on past earnings
Punjab & Sind Bank's earnings available for a low price, and how does
this compare to other companies in the same industry?
Punjab & Sind Bank's earnings are expected to grow significantly at over 20% yearly.
Unable to determine if Punjab & Sind Bank is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Punjab & Sind Bank's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Punjab & Sind Bank
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Punjab & Sind Bank's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. S. Harisankar serves as Managing Director, Chief Executive Officer and Director of Punjab & Sind Bank since September 19, 2018. He served as an Executive Director of Allahabad Bank till September 19, 2018. He is a highly experienced Banker who started his banking career as Probationary Officer in 1985 and worked in almost all key segments of banking in various capacities at Branches, Administrative Offices & Controlling Offices of State Bank of Travancore. He served as Senior Vice President & Branch Head of Toronto Branch in State Bank of India, Canada. In his long stint in banking career, he in the capacity of General Manager handled many important portfolios like IT, BPR, New Business Initiatives and Operations etc. He became Chief General Manager in May 2016 and was deputed to State Bank of Bikaner & Jaipur, heading Retail Banking before joining Allahabad Bank. A graduate in Agriculture Sciences, he had undergone many prestigious training programs like Global Advanced Management Program at Shanghai, Executive & Leadership Development Programme at IIM Kozhikode, New Product Development and Marketing at ASCI, Hyderabad etc.
Insufficient data for S. to compare compensation growth.
Insufficient data for S. to establish whether their remuneration is reasonable compared to companies of similar size in India.
Management Team Tenure
Average tenure and age of the
Punjab & Sind Bank
management team in years:
The average tenure for the Punjab & Sind Bank management team is less than 2 years, this suggests a new team.
Fareed Abdul Ahmed
MD, CEO & Director
CFO, GM of Accounts
Chief Customer Service Officer
Chief Risk Officer & GM
Chief Vigilance Officer
Board of Directors Tenure
Average tenure and age of the
Punjab & Sind Bank
board of directors in years:
The average tenure for the Punjab & Sind Bank board of directors is less than 3 years, this suggests a new board.
Punjab & Sind Bank provides various banking and financial products and services in India. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers deposit products, including saving, current, recurring, fixed, and term deposits; and loans, such as housing, auto, education, skill, commercial vehicle, consumer and computer, personal, doctor, mortgage, and other loans, as well as sukhmoney scheme for senior citizens, SB OD schemes, and loans against property. It also provides non fund based letter of credit, LC advising/confirming, bank guarantee, letter of comfort for availing the buyers credit, co-acceptance facility, solvency certificate, and credit report products and services, as well as priority sector schemes and debt restructuring services. In addition, the company offers locker facility, RTGS/NEFT, Internet banking, online payment, mobile banking, and SMS and ATM banking services; debit and credit cards; and international banking services comprising NRI, forex daily rate card, resident facility, export/import, forex treasury, gold card scheme, and SWIFT services. Punjab & Sind Bank was founded in 1908 and is headquartered in New Delhi, India.
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