Punjab National Bank (IN:PNB)
:PNB
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PNB Stock Chart & Stats
₹114.50
-₹1.14(-1.11%)
At close: 4:00 PM EST
₹114.50
-₹1.14(-1.11%)
Day’s Range― - ―
52-Week Range₹98.50 - ₹135.15
Previous CloseN/A
Volume23.42M
Average Volume (3M)998.19K
Market Cap
₹1.25T
Enterprise Value₹685.60B
Total Cash (Recent Filing)₹1.48T
Total Debt (Recent Filing)₹1.09T
Price to Earnings (P/E)6.9
Beta1.35
Next Earnings
Jul 24, 2026EPS Estimate
2.7Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)14.82
Shares Outstanding11,492,943,000
10 Day Avg. Volume1,527,230
30 Day Avg. Volume998,186
Financial Highlights & Ratios
PEG Ratio-2.46
Price to Book (P/B)0.77
Price to Sales (P/S)0.78
P/FCF Ratio4.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹129.50Price Target Upside13.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)15.49
Revenue Forecast (FY)₹638.85B
Bulls Say, Bears Say
Bulls Say
Profitability TurnaroundA multi-year margin recovery to ~12.3% reflects durable improvement in interest spreads and operating efficiency versus FY2022–FY2023. Sustained higher margins support internal capital generation, reinvestment capacity and resilience to cyclical credit stress over the medium term.
Revenue Growth TrendConsistent top-line expansion through FY2026 signals broad-based loan and fee growth across retail, corporate and MSME segments. Steady revenue growth underpins scale economics, supports fee diversification and provides a more predictable earnings base over the next several quarters.
Improving LeverageA sharp decline in debt-to-equity indicates a stronger capital base and reduced reliance on debt funding. Lower leverage enhances regulatory buffers, reduces interest burden and increases strategic flexibility to support lending or absorb shocks over a multi-quarter horizon.
Bears Say
Leverage VolatilityLarge year-to-year swings in leverage suggest episodic reliance on external funding or capital adjustments, complicating capital planning and risk management. This instability can pressure capital ratios and strategic execution during adverse cycles over the medium term.
Inconsistent Cash GenerationMaterial swings in operating and free cash flow reduce reliability of internally generated funds for lending, provisioning and dividends. Inconsistent cash conversion raises funding and liquidity risk, potentially forcing reliance on markets or balance-sheet changes over coming quarters.
Margin Sustainability RiskA slight margin decline after a peak suggests margins are sensitive to funding costs, competitive pricing or mix shifts. If spreads compress further, sustaining recent profitability levels may require ongoing cost discipline or higher-risk asset growth, affecting durable earnings quality.
Punjab National Bank News
PNB FAQ
What was Punjab National Bank’s price range in the past 12 months?
Punjab National Bank lowest stock price was ₹98.50 and its highest was ₹135.15 in the past 12 months.
What is Punjab National Bank’s market cap?
Punjab National Bank’s market cap is ₹1.25T.
When is Punjab National Bank’s upcoming earnings report date?
Punjab National Bank’s upcoming earnings report date is Jul 24, 2026 which is in 32 days.
How were Punjab National Bank’s earnings last quarter?
Punjab National Bank released its earnings results on May 05, 2026. The company reported ₹4.548 earnings per share for the quarter, beating the consensus estimate of ₹3.806 by ₹0.742.
Is Punjab National Bank overvalued?
According to Wall Street analysts Punjab National Bank’s price is currently Undervalued.
Does Punjab National Bank pay dividends?
Punjab National Bank pays a Annually dividend of ₹3 which represents an annual dividend yield of 2.4%. See more information on Punjab National Bank dividends here
What is Punjab National Bank’s EPS estimate?
Punjab National Bank’s EPS estimate is 2.7.
How many shares outstanding does Punjab National Bank have?
Punjab National Bank has 11,492,943,000 shares outstanding.
What happened to Punjab National Bank’s price movement after its last earnings report?
Punjab National Bank reported an EPS of ₹4.548 in its last earnings report, beating expectations of ₹3.806. Following the earnings report the stock price went down -0.828%.
Which hedge fund is a major shareholder of Punjab National Bank?
Currently, no hedge funds are holding shares in IN:PNB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Punjab National Bank
Punjab National Bank is an Indian financial institution offering a diverse range of banking and financial services. Its operations are structured across several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and other ancillary banking activities. For individual customers, the bank delivers a comprehensive suite of personal banking solutions, including various savings and current account options, fixed and capital gain deposit schemes, and even gold monetization programs. It also extends a wide array of credit facilities, such as home, auto, education, personal, and mortgage loans, alongside various card products. The bank caters to micro, small, and medium enterprises (MSMEs) through specialized schemes, provides banking services to government entities, and supports the agricultural sector with dedicated financial products. Its corporate banking portfolio encompasses services like loans against future lease rentals, working capital finance, term loans, export-import (EXIM) finance, cash management solutions, and even gold card schemes designed for exporters. Additionally, it facilitates international banking services. Beyond traditional banking, Punjab National Bank offers an extensive range of insurance products, covering life, fire, motor, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, and household goods. It further provides investment-related services such as depository, mutual fund, merchant banking, and application supported by blocked amount (ASBA) facilities. To enhance accessibility and convenience, the bank provides modern digital and self-service options including mobile banking, SMS banking, missed call services, e-statements, ATMs, cash deposit machines, passbook updating machines, and electronic cheque deposit machines, in addition to debit cards. As of March 31, 2022, its extensive network comprised 10,098 branches across India, complemented by two international branches located in Hong Kong and Dubai, along with two representative offices in Bangladesh and Myanmar. Established in 1895, the bank maintains its headquarters in New Delhi, India.
PNB Stock 12 Month Forecast
Average Price Target
₹129.50
▲(13.10% Upside)
Technical Analysis
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