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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  394k   2k   672

125.75
+0.90 (0.72%)
BSE: Today, 12:50 PM

Price Summary

Today's High

₹ 126.25

Today's Low

₹ 125.2

52 Week High

₹ 132.6

52 Week Low

₹ 44.41

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

138463.52 Cr.

CASA %

41.99

No. of Shares

1101.1 Cr.

P/E

21.66

P/B

1.43

Face Value

₹ 2

Div. Yield

0.52 %

Book Value (TTM)

₹  87.79

Net Interest Income

34491.64 Cr.

Cost To Income %

51.69

Promoter Holding

73.15 %

EPS (TTM)

₹  5.81

CAR %

15.5

ROE

2.79 %

ROCE

5.54%

Profit Growth

-27.47 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 29 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year2.79%
3 Year3.22%
5 Year-3.01%

ROA%

1 Year0.18%
3 Year0.21%
5 Year-0.12%

Net NPA%

1 Year2.72%
3 Year4.42%
5 Year5.12%

 NIM

1 Year2.5%
3 Year2.47%
5 Year2.39%

CAR %

15.5

Cost of Liabilities %

3.80144027085133

PEG Ratio

NA

Advances Growth %

14.0964467555216

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 73.15 0
Sep 2023 73.15 0
Jun 2023 73.15 0
Mar 2023 73.15 0
Dec 2022 73.15 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 41.9942877226371% of total deposits.
  • Good Capital Adequacy Ratio of 15.5%.
  • The company has delivered good Profit growth of 95.373857295784% over the past 3 years.
  • Strong Advances growth of 20.7564300585555% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.21412852470141%
  • Company has a low ROE of 3.22154972739426% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.41666666666667%.
  • High Cost to income ratio of 51.6904441217659%.
  • Increase in Provision and contingencies of 10.9152819632956% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 22384.44 23848.61 25145.46 26354.92 27287.81
Other Income 3337.96 3420.34 3433.81 3028.28 2673.84
Interest Expended 13205.08 14349.86 15641.21 16432 16995.02
Operating Expenses 6801.42 7052.66 6970.07 6734.77 6635.92
Total Provisions 4713.34 3830.58 3965.26 3444.18 2739.11
Profit Before Tax 1002.56 2035.85 2002.73 2772.25 3591.6
Tax 373.68 877.24 747.32 1016.12 1368.79
Net Profit 628.88 1158.61 1255.41 1756.13 2222.81
Net NPA % 3.3 2.72 1.98 1.47 0.96
Gross NPA % 9.76 8.74 7.73 6.96 6.24
Return on Assets % 0.17 0.32 0.34 0.46 0.58
NPM % 2.81 4.86 4.99 6.66 8.15

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 51310.25 53800.03 80818.4 74879.54 85144.11
Other Income 7377.41 9274.13 11922.31 12319.96 12142.53
Interest Expended 34153.94 36362.24 50272.79 46185.08 50652.47
Operating Expenses 11538.48 11973.37 20308.75 20252.6 24105.41
Total Provisions 28341.01 13999.56 18679.78 16445.43 18240.49
Profit Before Tax -15345.77 738.98 3479.4 4316.39 4288.26
Taxes -5370.28 402.79 1457.78 859.43 1781.06
Net Profit -9975.49 336.19 2021.62 3456.96 2507.2
Adjusted EPS (Rs.) -21.67 0.5 1.93 3.14 2.28

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 920.81 1347.51 2095.54 2202.2 2202.2
Total Reserves 43866.32 61009.97 88841.77 93284.69 97653.46
Deposits 676030.14 703846.32 1106332.47 1146218.45 1281163.1
Borrowings 39325.92 50225.43 42840.31 45681.41 51291.73
Other Liabilities 14806.29 14236.68 20522.52 27418.27 29520.87
Total Liabilities 774949.46 830665.91 1260632.62 1314805.02 1461831.36
Assets
Balance with RBI 32129.13 38397.85 43958.83 85736.12 78176.58
Balance with Banks 43158.91 37595.18 67390.88 46910.66 76932.23
Investments 202128.22 240465.64 392983.25 372167.76 395996.72
Advances 458249.2 471827.72 674230.08 728185.68 830833.98
Net Block 6224.85 7239.07 11020.9 10673.61 12051.07
Other Assets 33059.15 35140.45 71048.68 71131.2 67840.78
Total Assets 774949.46 830665.91 1260632.62 1314805.02 1461831.36
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 73.15 73.15 73.15 73.15 73.15
central government (throu... - 73.15 73.15 73.15 73.15
central government (throu... 73.15 - - - -
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 26.85 26.85 26.85 26.85 26.85
life insurance corporatio... 8.34 8.34 8.34 8.34 8.34
sbi contra fund - - - 1.17 1.07
quant mutual fund - quant... 1.09 1.09 1.10 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Punjab National Bank informs about newspaper publication 28 Feb 2024, 5:23PM Punjab National bank informs about outcome of investor meet20 Feb 2024, 5:18PM Punjab National Bank reports over 3-fold jump in Q3 consolidated net profit25 Jan 2024, 5:04PM PNB - Quaterly Results25 Jan 2024, 2:20PM PNB - Quaterly Results25 Jan 2024, 2:20PM PNB - Quaterly Results25 Jan 2024, 2:20PM Punjab National Bank informs about analyst meet15 Dec 2023, 12:16PM Punjab National Bank informs about credit rating 30 Nov 2023, 2:51PM Punjab National Bank informs about outcome of analyst meet 23 Nov 2023, 5:15PM Punjab National Bank informs about analyst meet21 Nov 2023, 3:37PM Punjab National Bank informs about issuance of duplicate share certificate(s)20 Nov 2023, 12:47PM RBI imposes monetary penalty of Rs 72 lakh on PNB6 Nov 2023, 3:38PM Punjab National Bank informs about loss of share certificate30 Oct 2023, 5:13PM Punjab National Bank informs about reviewed financial results 27 Oct 2023, 12:17PM Punjab National Bank reports over 4-fold jump in Q2 consolidated net profit26 Oct 2023, 5:13PM PNB - Quaterly Results26 Oct 2023, 1:40PM PNB - Quaterly Results26 Oct 2023, 1:40PM PNB - Quaterly Results26 Oct 2023, 1:40PM Punjab National Bank informs about confirmation certificate7 Oct 2023, 1:28PM Punjab National Bank informs about disclosure6 Oct 2023, 3:03PM Punjab National Bank reports 10% rise in total deposits during Q2FY245 Oct 2023, 11:42AM PNB raises Rs 3000 crore through Bonds27 Sep 2023, 4:30PM Punjab National Bank signs MoU with REC 27 Sep 2023, 10:30AM Punjab National Bank informs about newspaper publication 22 Sep 2023, 2:27PM Punjab National Bank informs about credit rating 21 Sep 2023, 12:12PM Punjab National Bank informs about newspaper publication15 Sep 2023, 5:17PM Punjab National Bank submits analyst meet intimation15 Sep 2023, 1:06PM Punjab National Bank introduces CBDC-UPI interoperability for seamless transactions6 Sep 2023, 11:18AM Punjab National Bank informs about cessation of executive director1 Sep 2023, 12:36PM Punjab National Bank launches mobile application based on GST Sahay scheme30 Aug 2023, 4:30PM Punjab National Bank reports over 3- fold jump in Q1 consolidated net profit26 Jul 2023, 2:30PM PNB - Quaterly Results26 Jul 2023, 1:26PM PNB - Quaterly Results26 Jul 2023, 1:26PM PNB - Quaterly Results26 Jul 2023, 1:26PM Punjab National Bank launches virtual branch ‘PNB Metaverse’7 Jul 2023, 11:07AM Punjab National Bank partners with Gujarat Cooperative Milk Marketing Federation3 Jul 2023, 9:39AM Punjab National Bank informs about analyst meet21 Jun 2023, 11:40AM Punjab National Bank aiming to adopt multi-pronged strategy in FY2412 Jun 2023, 11:06AM Punjab National Bank informs about newspaper publication 8 Jun 2023, 5:21PM Punjab National Bank submits annual report8 Jun 2023, 9:31AM Punjab National Bank informs about analyst meet 20 May 2023, 11:51AM Punjab National Bank reports over 7-fold jump in Q4 consolidated net profit 19 May 2023, 4:25PM PNB - Quaterly Results19 May 2023, 2:58PM PNB - Quaterly Results19 May 2023, 2:58PM PNB - Quaterly Results19 May 2023, 2:58PM Punjab National Bank informs about cessation of GCRO4 May 2023, 2:39PM Punjab National Bank to infuse Rs 72.82 crore in Druk PNB Bank 28 Apr 2023, 11:15AM Punjab National Bank informs about confirmation certificate6 Apr 2023, 5:28PM PNB to raise capital up to Rs 12000 crore through bonds30 Mar 2023, 2:02PM Punjab National Bank raises Rs 974 crore on private placement basis28 Mar 2023, 10:10AM

PNB Stock Price Analysis and Quick Research Report. Is PNB an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how PNB is performing and if it is the right time to buy the stock of PNB with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 85144.1113 Cr. revenue in the latest financial year. PNB has posted outstanding revenue growth of 16.5350835328914 % in last 3 Years.

  • In terms of advances, PNB reported 14.0964467555216 % YOY,  rise . If you see 3 years advance growth, it stands at 20.7564300585555 %.

  • Currently, PNB has a CASA ratio of 41.9942877226371 %. It’s overall cost of liability stands at 3.80144027085133 %. Also, the total deposits from these accounts stood at Rs 1281163.1045 Cr.

  • PNB has a Poor ROA track record. The ROA of PNB is at 0.180592958706064 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of PNB stood at 8.74 % and 2.72 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 10.9152819632956 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of PNB decreased and is currently at Rs 12142.5313 Cr.

  • PNB has a Good Capital Adequacy Ratio of 15.5 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 1.4347 . The historical average PB was 0.580412046556127.

  • Share Price: - The current share price of PNB is Rs 125.85. One can use valuation calculators of ticker to know if PNB share price is undervalued or overvalued.

Last Updated on:
Brief about PNB

Punjab National Bank Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

Punjab National Bank (PNB) is a leading public sector bank in India. In this article, we will provide a comprehensive analysis of PNB's stock from a long-term investor's perspective. We will cover various topics such as share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

Punjab National Bank Share Price:

PNB's share price is an important indicator of investor sentiment towards the bank. The share price is influenced by various factors such as the bank's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to analyze PNB's share price and identify any trends or patterns. The company's share price has shown a volatile trend over the past few years, reflecting the bank's financial performance and growth prospects.

Punjab National Bank Balance Sheet:

PNB's balance sheet provides crucial information about its financial health. The bank's assets include loans, advances, investments, and other assets, while liabilities include deposits, borrowings, and other liabilities. Equity includes share capital, reserves, and surplus. Long-term investors can use our pre-built screening tools to analyze PNB's balance sheet and identify any red flags. The bank's balance sheet has shown a stable trend over the past few years, reflecting the bank's solid financial position and growth prospects.

Punjab National Bank Annual Report:

PNB releases an annual report every year, which provides detailed information about the bank's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Long-term investors can download PNB's annual report from our website and use it to make informed investment decisions. The annual report provides valuable insights into the bank's operations and financial performance.

Punjab National Bank Dividend:

PNB has a consistent dividend payout history. The bank has paid dividends in every year, reflecting its commitment to rewarding shareholders. Long-term investors should consider this when evaluating PNB's stock. Our pre-built screening tools can be used to analyze the bank's dividend history and identify any trends or patterns.

Punjab National Bank Quarterly Results:

PNB releases its quarterly results every three months. The quarterly results provide information about the bank's revenue, earnings, and expenses. Long-term investors can use our pre-built screening tools to analyze PNB's quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the bank's financial health and performance.

Punjab National Bank Stock Price:

The stock price of PNB is affected by various factors such as the bank's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to track PNB's stock price and identify potential buying opportunities. The stock price of PNB has shown a volatile trend over the past few years, reflecting the bank's financial performance and growth prospects.

Punjab National Bank Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Long-term investors can use our pre-built screening tools to analyze PNB's price chart and identify any trends or patterns. The price chart shows that the stock price of PNB has shown a volatile trend over the past few years, reflecting the bank's financial performance and growth prospects.

Punjab National Bank News:

Keeping up to date with the latest news about PNB is important for investors. Our website provides the latest news about PNB from various sources such as financial news websites and social media. Long-term investors can use this information to make informed investment decisions.

Punjab National Bank Concall:

PNB holds conference calls with analysts and investors to discuss its financial performance and future plans. Long-term investors can listen to PNB's concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

Punjab National Bank Transcripts:

Transcripts of PNB's concalls are available on our website. Long-term investors can download the transcripts and use them to analyze the bank's financial performance and future plans. The transcripts provide valuable insights into the bank's operations and financial performance.

Punjab National Bank Investor Presentations:

PNB provides investor presentations on its website. These presentations provide information about the bank's financial performance, strategic initiatives, and future plans. Long-term investors can download PNB's investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the bank's operations and financial performance.

Punjab National Bank Promoters:

Promoters are individuals or entities that have a significant stake in a company. PNB's promoters include the Government of India, which is the majority shareholder. Long-term investors can use our pre-built screening tools to analyze PNB's promoter holdings and identify any potential conflicts of interest. The promoter holdings of PNB are relatively stable, which is a positive sign for long-term investors.

Punjab National Bank Shareholders:

PNB has a large number of shareholders, including institutional investors and individual investors. Long-term investors can use our pre-built screening tools to analyze PNB's shareholder base and identify any potential risks or opportunities. The shareholder base of PNB is diverse, which is a positive sign for long-term investors.

Punjab National Bank Premium Features:

Our website provides premium features tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help long-term investors make better investment decisions by providing more detailed insights into the bank's financial performance and valuation.

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