PUNJAB & SIND BANK Valuation
PSB · Financial Services · Current price ₹22.59
Is PUNJAB & SIND BANK undervalued?
DocStoX estimates the fair value of PUNJAB & SIND BANK at ₹20 per share, versus the current market price of ₹23. That puts the stock about -12.3% above our fair-value estimate, which we read as "Expensive". Our confidence in this estimate is medium.
How this fair value is calculated
This estimate blends 2 independent methods: Excess-return (book value) (₹19), Relative P/E (₹22). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹17 (bear) to ₹20 (base) to ₹23 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
Valuation multiples
PUNJAB & SIND BANK trades at a P/E of 12.2x and a P/B of 1.2x, with a dividend yield of 1.7%. Multiples are most useful compared against the company's own history and its sector peers — see the peer comparison for context.
Understand the ratios
More on PUNJAB & SIND BANK
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.