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PSB

Punjab & Sind Bank
Chart
₹23.68
Latest Week 2026-06-05
Financial ServicesBanks - RegionalLARGE
Snapshot 2026-06-07 · 0.0w · Fresh
0.34
OS Score
71.0%
Value
15.0%
Quality
16.0%
Momentum
3/9
F-Score
0.326
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
1 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
71.0%ile
P/E
13.1×
P/S
2.9×
P/B
1.2×
E/P
0.0765
FCF Yield
-0.079
SH Yield
0.003
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
28.00000000
/100 — 1=cheapest
VC2 (Trending Value)
24.00000000
/100
VC3 (Buyback)
26.00000000
/100
Negative FCF yield (-7.9%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
15.0%ile
ROE
0.091
ROA
0.007
Net Margin
0.220
F-Score
3/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.044
Earn Growth
0.301
Stability
0.231
lower=better
Accruals
0.018
lower=better
5yr Consist
Yes
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
16.0%ile
6M Return
-16.3%
12M Return
-27.5%
12-1 Mom
-23.2%
Risk-Adj
-0.75
Vol 252d
31.1%
Vol 60d
68.3%
↑ Expanding
Max DD 12M
-33.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -23% signals a downtrend — price is moving against you. Near-term vol (68%) is expanding vs long-term (31%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.34
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 237 peers
Sector Value %ile
67.6%
Sector Quality %ile
30.7%
P/E z-score
-0.34
P/B z-score
-0.10
Sector Avg OS
48.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
DCBBANK DCB Bank Limited 99.0% 94.0% 87.0% 86.0%
SOUTHBANK The South Indian Bank Limited 98.0% 92.0% 67.0% 93.0%
INDIANB Indian Bank 98.0% 89.0% 76.0% 90.0%
JPOLYINVST Jindal Poly Investment and Finance Company Limited 98.0% 84.0% 93.0% 89.0%
CANBK Canara Bank 97.0% 90.0% 67.0% 85.0%
BANKBARODA Bank of Baroda Limited 97.0% 94.0% 70.0% 76.0%
DHANBANK Dhanlaxmi Bank Limited 97.0% 93.0% 76.0% 74.0%
PNB Punjab National Bank 96.0% 93.0% 70.0% 71.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (71th value) but weak quality (15th). Classic value trap risk.
Falling Knife
Weak momentum (16th) despite looking cheap (71th value). Wait for momentum to stabilise.
Volatility Expanding
60-day vol (68%) significantly exceeds 252-day (31%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
53.5% avg (6 factors)
Quality
D
43.1% avg (4 factors)
Momentum
F
7.2% avg (4 factors)
Risk
B
64.8% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.340—0—
Value %ile0.710—1—
Quality %ile0.150—1—
Momentum %ile0.160—1—
F-Score3.000—1—
Confidence0.727—1—
Volatility0.311—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.07
Earnings Yield (E/P)
0.0765
Price / Sales
2.87
Price / Book
1.19
FCF Yield
-7.9%
Sales Yield (1/P·S)
0.2177
Shareholder Yield
Div + net buyback / mktcap
0.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.1%
Return on Assets
0.7%
Net Margin
22.0%
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.018
MomentumPrice trend strength over different horizons
6M Return
-16.3%
12M Return
-27.5%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-23.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.75
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
4.4%
Earnings Growth (YoY)
30.1%
Earnings Stability (CV)
Lower = more stable
0.231
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
3
Dividend Yield
0.3%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
28
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
24
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
26
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity