A public sector commercial bank, it earns primarily from three business lines — corporate/wholesale banking, retail banking, and treasury operations. As of the YTD period ending 31 December 2024, corporate/wholesale banking generated 38.4% of segment revenue, retail banking 32.5%, and treasury 28.9%. The bank lends to retail, agriculture, and MSME borrowers (together called RAM advances, which made up about 60% of the loan book at Q1 FY27) and to corporate and NBFC clients. It also takes deposits from customers and runs a treasury book that invests in government securities and other instruments. The largest cost is interest paid on deposits, which funds the loan book. Asset quality has improved, with gross NPA falling to 2.21% (Q1 FY27) from 3.34% a year earlier. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Corporate/Wholesale Banking (38%), Retail Banking (33%), Treasury (29%), Other Banking Operations (0%). Public sector commercial bank with a shifting mix toward retail, agriculture and MSME lending
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 1,039 | 1,313 | 595 | 1,016 | 1,322 |
| EPS, as reported (₹) | 2.56 | 1.94 | 0.88 | 1.50 | 1.86 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | (5,999) | 1,428 | 1,749 | (2,294) | (1,893) |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 307 | 375 | 442 | 323 | 357 | 456 | 615 | 451 |
| Net profit | 240 | 282 | 313 | 269 | 295 | 336 | 422 | 332 |
| EPS (₹) | 0.35 | 0.42 | 0.46 | 0.38 | 0.42 | 0.47 | 0.59 | 0.47 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| STATE BANK OF INDIA | 9,19,091 | 10.7 | — | — | — | — | — | — |
| UNION BANK OF INDIA | 1,35,955 | 6.6 | — | — | — | — | — | — |
| PUNJAB NATIONAL BANK | 1,34,180 | 6.1 | — | — | — | — | — | — |
| BANK OF BARODA | 1,23,295 | 6.8 | — | — | — | — | — | — |
| INDIAN BANK |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · CRISIL reaffirms AA/Stable rating on Punjab and Sind Bank bonds | credit debt | medium | — | — |
| 10 Sept 2026 · CRISIL reaffirms AA/Stable rating on Punjab and Sind Bank bonds | credit debt | medium | — | — |
| 10 Sept 2026 · All India Bank Strike Notice for September 11, 2026 | capex operations | medium | — | — |
| 10 Sept 2026 · Strike notice received for 11 September 2026 | capex operations | high | — | — |
| 1 Sept 2026 · PSB September 2026 Corporate Presentation Shows Strong Business Growth | investor communications | medium | — | — |
| 1 Sept 2026 · PSB files Corporate Presentation with Q1FY27 business update | investor communications | medium | — | — |
| 22 Aug 2026 · CARE reaffirms Tier-II Bond ratings at AA with Stable outlook | credit debt | medium | — | — |
| 13 Aug 2026 · Govt nominates Shri Kristam Subba Raju Guptha as Part-Time Director | management changes | medium | — | — |
| 28 Jul 2026 · PSB 16th AGM: Dividend of Rs 0.39 per share declared, all resolutions passed | board shareholder meetings | medium | — | — |
| 27 Jul 2026 · PSB Q1 FY27 call: NIM guided up to 2.60-2.65%, advances 18-20% | investor communications | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 1,14,963 |
| 9.0 |
| — |
| — |
| — |
| — |
| — |
| — |
| CANARA BANK | 1,12,476 | 5.7 | — | — | — | — | — | — |
| BANK OF MAHARASHTRA | 64,763 | 8.6 | — | — | — | — | — | — |
| INDIAN OVERSEAS BANK | 63,759 | 10.8 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 11.7 | 7.7 | 11 of 12 | 9% |
| Profit growth | 23.2 | 28.3 | 9 of 12 | 27% |
| Market cap | 16171 | 88620 | 12 of 12 | 0% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
