Punjab & Sind Bank (BOM:533295) Moat Score: 0/10 (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:533295 Punjab & Sind Bank BOM:533295
41 GF Score
Price ₹23.67
GF Value ₹53.36
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Punjab & Sind Bank Moat Score?

Punjab & Sind Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Punjab & Sind Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Punjab & Sind Bank might have No Moat - No discernible moat.

Punjab & Sind Bank  (BOM:533295) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Punjab & Sind Bank Moat Score Related Terms

BOM:533295
41GF Score
Punjab & Sind Bank BOM:533295
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Punjab & Sind Bank (BOM:533295) Overvalued in 2026?

Based on GuruFocus' analysis, Punjab & Sind Bank stock appears to be undervalued. The current stock price of ₹23.67 is trading 55.6% below its estimated GF Value™ of ₹53.36. GuruFocus considers Punjab & Sind Bank to be Possible Value Trap.

Key valuation signals for BOM:533295:

  • Moat Score: 0
  • GF Value™: ₹53.36 vs. price of ₹23.67 (55.6% below fair value)
  • GF Score™: 41/100 with 3 warning signs

No single metric tells the full story. See the BOM:533295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Punjab & Sind Bank Business Description

Other Exchanges PSB:India
Address 21, Rajendra Place, Bank House, 1st Floor, New Delhi, IND, 110008
Punjab & Sind Bank is an Indian banking firm, which provides international and domestic banking products and services. Its business segments include Treasury, Corporate/ Wholesale Banking, Retail Banking, and Other Banking Operations. The majority of its revenue is generated from the Retail Banking segment. Its products consist of current accounts, savings accounts, mobile banking, corporate, Internet banking, retail loans, and others.
41GF Score

Get the complete analysis for BOM:533295

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹23.67
Price
₹53.36
GF Value