Punjab National Bank
Ticker: PNB
Risky
48/100
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Investing Reference
Price
116.40
Market Cap
133777.86
Debt/Equity
0.0000
ROE %
15.104
PB
1.0001
Promoter %
70.079
Pledge %
0.000
1Y Rev Growth %
14.890
5Y Rev Growth %
17.096
NP Margin %
13.054
NP Margin 5Y Avg %
6.176
Trading Reference
1M Return %
7.059
6M Return %
20.509
1Y Return %
10.878
% Away 52W High
1.246
% Away 52W Low
36.204
Daily Volume
10598247
Investment Verdict
Buy
Score 84/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 80/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Punjab National Bank (PNB) is one of India's leading public sector banks, offering a wide range of financial services to individuals, businesses, and institutions. Established in 1894, PNB has a rich history and a strong presence across the country. It plays a crucial role in promoting financial inclusion and supporting economic growth through its diverse banking solutions. With a commitment to customer satisfaction and innovative banking practices, PNB is a trusted choice for millions of customers.
- Established in 1894, with a rich heritage.
- Offers comprehensive banking services.
- Focus on financial inclusion and economic growth.
- Strong network of branches across India.
- Commitment to customer satisfaction and innovation.
Investment Thesis
Punjab National Bank (PNB) stands out with a strong promoter group and a credible management team, ensuring stability and growth. The bank is aggressively expanding its digital services, tapping into the growing fintech space. Additionally, PNB's attractive valuation compared to its peers presents a compelling investment opportunity for retail investors looking for long-term gains.
- Strong backing from a reputable promoter group enhances credibility.
- Significant growth potential in digital banking services.
- Attractive valuation metrics compared to industry peers.
- Focus on improving asset quality and reducing NPAs.
- Strategic initiatives aimed at enhancing customer experience.
Opportunity vs Risk
Opportunities
- Strong government support
- Growing retail banking sector
- Digital transformation initiatives
- Rising loan demand
- Improved asset quality
Risks ⚠️
- High non-performing assets
- Regulatory changes impact
- Economic slowdown effects
- Intense competition
- Market volatility concerns
Peer Perspective
Punjab National Bank trades at a discount to peers like State Bank of India and HDFC Bank, primarily due to margin stability concerns; a consistent improvement in asset quality could trigger a rerating.
Future Outlook
Punjab National Bank is well-positioned for growth, driven by its strategic initiatives and focus on digital transformation; however, successful execution and stringent cost control will be crucial to achieving long-term profitability.
AI FAQs for Retail Users
- Q: What is Punjab National Bank's primary business?A: Punjab National Bank primarily provides banking and financial services to individuals and businesses.
- Q: Is Punjab National Bank a government-owned entity?A: Yes, Punjab National Bank is a public sector bank, partially owned by the Government of India.
- Q: What are the key services offered by Punjab National Bank?A: The bank offers savings accounts, loans, investment products, and insurance services.
- Q: How can I invest in Punjab National Bank shares?A: You can invest through a stockbroker or an online trading platform that supports Indian equities.
- Q: What factors can affect Punjab National Bank's stock price?A: Factors include economic conditions, interest rates, bank performance, and regulatory changes.
📊 Stock Investment Checklist (100 Points)
Punjab National Bank • Updated: 2025-09-17 16:13:15
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8BusinessHighThe banking sector is evolving with digital transformation, but PNB faces stiff competition.
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10GrowthHighModerate revenue growth observed, but profit consistency is a concern.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating profitability challenges.
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9ValuationHighValuation metrics are reasonable compared to peers, but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks in digital initiatives.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Punjab National Bank shows potential but faces significant challenges in profitability and market sentiment, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100