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₹98.55 - ₹135.15
Previous CloseN/A
Volume23.42M
Average Volume (3M)998.19K
Market Cap
₹1.17T
Enterprise Value₹607.22B
Total Cash (Recent Filing)₹1.48T
Total Debt (Recent Filing)₹1.09T
Price to Earnings (P/E)6.3
Beta1.25
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)0.77
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)15.58
Revenue Forecast (FY)₹634.57B
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 ₹98.55 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 ₹1.17T.
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 69 days.
How were Punjab National Bank’s earnings last quarter?
Punjab National Bank released its earnings results on May 05, 2026. The company reported ₹4.543 earnings per share for the quarter, beating the consensus estimate of ₹3.806 by ₹0.737.
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 ₹2.9 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 ₹4.543 in its last earnings report, beating expectations of ₹3.806. Following the earnings report the stock price went down -0.827%.
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 provides various banking and financial products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; housing, vehicle, education, personal, and mortgage loans; and cards. The company also provides various micro, small, and medium enterprises schemes; banking products for government customers; agricultural banking services; corporate banking products and services consisting of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, it offers insurance services, such as life, fire, motor, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, house hold goods, etc.; and depository, mutual fund, merchant banking, and application supported by blocked amount services. Further, the company provides mobile banking, SMS banking, missed call, e-statement, ATM, cash deposit machine, passbook updating machine, and electronic cheque deposit machine services, as well as debit cards. As of March 31, 2022, it operated a network of 10,098 branches in India; and 2 branches comprising 1 in Hong Kong and 1 in Dubai, as well as 2 representative offices in Bangladesh and Myanmar. The company was founded in 1895 and is headquartered in New Delhi, India.
PNB Stock 12 Month Forecast
Average Price Target
₹129.50
▲(13.10% Upside)
Technical Analysis
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