This small-cap bank stock engaged in providing banking, financial, and digital services, including loans, deposits, and other financial products to individuals, businesses, and rural sectors, jumped 3 percent after the company reported March quarterly results with a 125.18 percent YoY increase in net profit.
Stock Price Movement
With a market capitalization of Rs. 21,400.29 crores, the share of Punjab and Sind Bank Limited has reached an intraday high of Rs. 31.03 per equity share, rising nearly 2.58 percent from its previous day’s close price of Rs. 30.25. Since then, the stock has retreated and is currently trading at Rs. 30.16 per equity share.
Q4 FY25 Result Walkthrough
Coming into the quarterly results of Punjab and Sind Bank Limited, the company’s net interest income increased by 62.84 percent YOY, from Rs. 689 crore in Q4 FY24 to Rs. 1,122 crore in Q4 FY25, and grew by 19.49 percent QoQ from Rs. 939 crore in Q3 FY25.
In Q4 FY25, Punjab and Sind Bank Limited’s consolidated net profit increased by 125.18 percent YOY, reaching Rs. 313 crore compared to Rs. 139 crore during the same period last year. As compared to Q4 FY25, the net profit has increased by 10.99 percent, from Rs. 282 crore in Q3 FY25.
The basic earnings per share increased by 109.52 percent and stood at Rs. 0.44 as against Rs. 0.21 recorded in the same quarter in the previous year 2024.
Financial Highlights (FY24-25)
Punjab and Sind Bank’s net interest income has increased from Rs. 2,841 crore in FY24 to Rs. 3,784 crore in FY25, which is a growth of 33.19 percent. The net profit has also grown by 70.76 percent, from Rs. 595 crore in FY24 to Rs. 1,016 crore in FY25.
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NPA Performance
Punjab and Sind Bank showed better asset quality in the fourth quarter of FY25. Its Gross Non-Performing Assets (GNPA) came down to 3.38 percent from 3.83 percent in the previous quarter, which stands at Rs. 3,370 crores. The Net NPA ratio also improved, dropping to 0.96 percent from 1.25 percent, with total Net NPAs at Rs. 937 crores.
Geographical Presence
Punjab and Sind Bank has a wide presence across India with a total of 1,610 branches. Most branches are in the northern region (969). Other regions include Central (359 branches), Eastern (108), Western (72), Southern (66), and North-Eastern (36).
The bank has 1,047 ATMs and 2,041 Business Correspondents (BCs), covering 367 districts across the country. During the year, they opened 52 new branches and 58 new ATMs.
Company overview
Punjab and Sind Bank was established in 1908 and is a government-owned bank offering banking and financial services across India. It provides loans, deposits, digital banking, and financial solutions to individuals, businesses, and rural communities through its widespread branch network.
Written By – Nikhil Naik
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