Punjab & Sind Bank Intrinsic Value
Valuation
Blended fair value using DCF and peer comparison methods.
Punjab & Sind Bank Intrinsic Value Analysis
The latest available EOD closing price for Punjab & Sind Bank (PSB) is ₹21 per share. Understock's estimated intrinsic value is ₹30 per share. This estimate is 41.1% above that price; the page's comparison band labels the shares undervalued.
The stored classification marks DCF as not applicable, so the displayed estimate uses the peer-based value of ₹30 without a DCF figure. Peer comparison uses 8 matched industry companies and contributing P/E, P/B multiples.
For context, available company data reports P/E of 6.7×. These metrics describe the business and are not separate intrinsic-value estimates.
How Understock Calculates Intrinsic Value
Understock follows the company's stored valuation classification. Where DCF applies, the model discounts projected or normalized cash flows and terminal value using stored assumptions. Peer valuation compares available company multiples with medians from matched industry or sector companies, with a curated peer-group fallback where database matches are unavailable; the contributing multiples and their weights depend on sector rules and available data. For this page, the available displayed estimate comes from peer valuation. DCF and peer estimates can differ because they use different assumptions, financial metrics, and market reference points.
See Punjab & Sind Bank peer valuation · What intrinsic value means
The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.
Punjab & Sind Bank Peer Comparison
How this company stacks up against sector peers on valuation and quality metrics.
Public sector bank · 8 peers · sector medians shown
| Company | Mkt Cap | P/E | P/B | EV/EBITDA | ROE | Net Margin | Rev CAGR 3y |
|---|---|---|---|---|---|---|---|
Punjab & Sind Bank PSB · you | ₹14,156 Cr | 6.7× | 0.8× | — | 12.3% | — | — |
| Sector median | — | 8.0× | 1.2× | — | 14.6% | — | — |
| Bank of Baroda BANKBARODA | ₹1.1 L Cr | 6.8× | 0.8× | — | 12.0% | — | — |
| IDBI Bank IDBI | ₹96,187 Cr | 9.7× | 1.3× | — | 13.4% | — | — |
| Punjab National Bank PNB | ₹77,752 Cr | 7.3× | 0.9× | — | 12.3% | — | — |
| Canara Bank CANBK | ₹66,116 Cr | 3.7× | 0.6× | — | 15.2% | — | — |
| Union Bank of India UNIONBANK | ₹63,664 Cr | 7.3× | 1.1× | — | 14.6% | — | — |
| Indian Overseas Bank IOB | ₹53,930 Cr | 11.6× | 1.7× | — | 14.7% | — | — |
| Indian Bank INDIANB | ₹53,721 Cr | 10.3× | 1.5× | — | 14.6% | — | — |
| Bank of Maharashtra MAHABANK | ₹48,806 Cr | 8.7× | 1.8× | — | 21.1% | — | — |
Punjab trades at a discount to sector peers on P/E (6.7× vs median 8.0×). This may signal undervaluation — or reflect lower expected growth or higher perceived risk versus the peer group.
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