Last Updated2026-06-02

Market View

₹23.68(▼0.17%)

Reporting PeriodQ4 FY26

PSBPSB Forensic Risk Analysis

Name: PSB Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Public Sector Bank

Risk ClassStable

Market CapN/A

Primary DriverEarnings Quality

Flagium AI Risk Score

10 / 100

+5 QoQ

Early Deterioration

Sentinel Insight

Asset quality remains stable for now. Weakness is detected in core profitability and credit costs. No immediate concerns are visible. Risk is increasing at a faster pace.

0.0th %ile (Sector)Accel: +2 Qtrs

Updated2026-06-02

Market View

₹23.68▼0.17%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality

+11.0 pts

Stability Adjustment

-1.0 pts

Final Composite Risk10 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 10 over 12 quarters.

Expected Direction

⚠ Watch

Primary Deterioration Drivers

CAR Decay
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (2)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 4 Qtrs

More Detail

Impact Weight10/15

MomentumPersistent

Last SignalQ4 FY2026

PSB: NIM compressed by 64 bps YoY (to 2.21%).

"Early signs of margin compression detected. Core interest income is being squeezed."

CAR Decay

🏛️ Solvency & LeverageQuarterlyActive for 2 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ3 FY2026

PSB: Persistent 3-quarter CAR decline detected in vigilance zone.

"Capital position is strengthening through fresh equity or higher profit retention."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	4.55	6.50	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+56.0	+46.0	✅ RESILIENT

Forensic Benchmark Context: Public Sector Bank (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹23.68(-0.17%)

1M Divergence-4.35%

1 Week-2.11%

1 Month-5.01%

6 Months-16.35%

1 Year-28.35%

2 Year-60.99%

3 Year-27.21%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in earnings quality remain well-maintained against forensic benchmarks. Systematic scans of operational margins and profitability metrics confirm the absence of material structural stress. Strategic vigilance is advised as structural decay is accelerating.

PSB • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score0%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing0%

CoinTree Momentum

Composite Z-Score-0.5235σ

Weakening momentum trend

Universe Rank#2101 of 2716

Top 77.36% in momentum strength

Timeframe Sparklines

1W-2.1%

1M-5.0%

6M-16.4%

Weinstein Indicators

150 DMA₹26.66

200 DMA₹27.3

150 DMA Slope-2.7262%Declining

Relative Strength-10.87%Lagging

Relative Turnover (RTR)0.6345

ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (20).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
PSBPSB	10	0th	+5	2	+2	Earnings QualityStable
BANKINDIABank of India	20	45th	-4	12	+0	SolvencyWatch
BANKBARODABank of Baroda	26	64th	-5	11	+0	GovernanceWatch
CANBKCanara Bank	34	82th	-17	17	+0	SolvencyWatch