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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.
Punjab & Sind BankNSE:PSB -1.53%44 5-Year Yield-on-Cost % is 1.64 as of Jul. 27, 2026, which is 71% above its 10-year median of 0.96. GuruFocus rates NSE:PSB with a GF Score™ of 44/100 and a GF Value™ of ₹53.31 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, Punjab & Sind Bank ranks worse than 86.1% on this metric.
Punjab & Sind Bank's yield on cost for the quarter that ended in Jun. 2026 was 1.64.
The historical rank and industry rank for Punjab & Sind Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:PSB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.22 Med: 0.96 Max: 3.51
Current: 1.64
During the past 13 years, Punjab & Sind Bank's highest Yield on Cost was 3.51. The lowest was 0.22. And the median was 0.96.
NSE:PSB's 5-Year Yield-on-Cost % is ranked worse than 86.1% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs NSE:PSB: 1.64
Punjab & Sind Bank (NSE:PSB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Punjab & Sind Bank 5-Year Yield-on-Cost % Related Terms
Punjab & Sind Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Punjab & Sind Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Punjab & Sind Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Punjab & Sind Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Punjab & Sind Bank's 5-Year Yield-on-Cost % falls into.
Punjab & Sind Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Punjab & Sind Bank (NSE:PSB) has a 5-Year Yield-on-Cost % of 1.64 as of Jul. 27, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Punjab & Sind Bank and its competitors. This is 71% above median its historical median of 0.96. Over the past decade, Punjab & Sind Bank's 5-Year Yield-on-Cost % has ranged from 0.22 to 3.51. According to the industry distribution chart, Punjab & Sind Bank ranks #1078 out of 1252 companies in the Banks industry, placing it in the top 86.1%.
Is Punjab & Sind Bank's 5-Year Yield-on-Cost % too high?
Punjab & Sind Bank's current 5-Year Yield-on-Cost % of 1.64 is 71% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 3.51. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Punjab & Sind Bank's value of 1.64 is 57.7% below this industry median. Based on the distribution chart, Punjab & Sind Bank ranks #1078 out of 1252 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Punjab & Sind Bank has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Punjab & Sind Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Punjab & Sind Bank ranks #1078 out of 1252 companies for 5-Year Yield-on-Cost %. This places Punjab & Sind Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Punjab & Sind Bank's value of 1.64 is 57.7% below this benchmark. Historically, Punjab & Sind Bank's own 5-Year Yield-on-Cost % has ranged from 0.22 to 3.51 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 3.88, Punjab & Sind Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Punjab & Sind Bank's current 5-Year Yield-on-Cost % of 1.64 is 57.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Punjab & Sind Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Punjab & Sind Bank's current 5-Year Yield-on-Cost % is 1.64, which is 71% above median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab & Sind Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab & Sind Bank (NSE:PSB) is currently considered Possible Value Trap. The stock's GF Value™ is ₹53.31, compared to a current price of ₹23.77 — trading 55.4% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.64, which is 71% above median its 10-year median of 0.96 and 57.7% below the Banks industry median of 3.88. Punjab & Sind Bank's overall GF Score™ is 44/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Punjab & Sind Bank (NSE:PSB), the current 5-Year Yield-on-Cost % is 1.64 as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Punjab & Sind Bank (NSE:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Punjab & Sind Bank stock appears to be undervalued.
The current stock price of ₹23.77 is trading 55.4% below its estimated GF Value™ of ₹53.31.
GuruFocus considers Punjab & Sind Bank to be Possible Value Trap.
Key valuation signals for NSE:PSB:
5-Year Yield-on-Cost %: 1.64 (71% above median its 10-year median of 0.96)
GF Value™: ₹53.31 vs. price of ₹23.77 (55.4% below fair value)
Industry Position: 57.7% below the Banks median (#1078 of 1252)
No single metric tells the full story. See the NSE:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
44GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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