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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  504k   2k   713

101.76
+0.32 (0.32%)
NSE: Today, 04:13 PM

Price Summary

Today's High

₹ 103.3

Today's Low

₹ 100.74

52 Week High

₹ 142.9

52 Week Low

₹ 92.4

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

116952.19 Cr.

CASA %

40.34

No. of Shares

1149.29 Cr.

P/E

9.15

P/B

1.03

Face Value

₹ 2

Div. Yield

1.47 %

Book Value (TTM)

₹  98.61

Net Interest Income

40083.07 Cr.

Cost To Income %

53.37

Promoter Holding

70.08 %

EPS (TTM)

₹  11.13

CAR %

15.97

ROE

8.7 %

ROCE

11.49%

Profit Growth

228.84 %

* 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 35 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 Year8.7%
3 Year5.17%
5 Year3.81%

ROA%

1 Year0.55%
3 Year0.33%
5 Year0.25%

Net NPA%

1 Year0.73%
3 Year2.75%
5 Year3.95%

 NIM

1 Year2.7%
3 Year2.51%
5 Year2.47%

CAR %

15.97

Cost of Liabilities %

4.7051

PEG Ratio

0.04

Advances Growth %

12.469

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 70.08 0.00
Jun 2024 73.15 0.00
Mar 2024 73.15 0.00
Dec 2023 73.15 0.00
Sep 2023 73.15 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 40.3369% of total deposits.
  • Good Capital Adequacy Ratio of 15.97%.
  • The company has delivered good Profit growth of 59.7682163535548% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.331452133743702%
  • Company has a low ROE of 5.16737850223206% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.75%.
  • High Cost to income ratio of 53.3713%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 26354.92 27287.81 28113.43 28556.43 29875.01
Other Income 3028.28 2673.84 4247.61 3609.52 4572.09
Interest Expended 16432 16995.02 17750.32 18080.18 19358.32
Operating Expenses 6734.77 6635.92 8195.04 7504.61 8235.47
Total Provisions 3444.18 2739.11 1588.05 1312.32 288.01
Profit Before Tax 2772.25 3591.6 4827.63 5268.84 6565.3
Tax 1016.12 1368.79 1817.36 2017.31 2261.84
Net Profit 1756.13 2222.81 3010.27 3251.53 4303.46
Net NPA % 1.47 0.96 0.73 0.6 0.46
Gross NPA % 6.96 6.24 5.73 4.98 4.48
Return on Assets % 0.46 0.58 0.77 0.82 1.02
NPM % 6.66 8.15 10.71 11.39 14.4

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 53800.03 80818.4 74879.54 85144.11 106901.62
Other Income 9274.13 11922.31 12319.96 12142.53 13383.54
Interest Expended 36362.24 50272.79 46185.08 50652.47 66818.55
Operating Expenses 11973.37 20308.75 20252.6 24105.41 28535.8
Total Provisions 13999.56 18679.78 16445.43 18240.49 11736.6
Profit Before Tax 738.98 3479.4 4316.39 4288.26 13194.21
Taxes 402.79 1457.78 859.43 1781.06 4949.59
Net Profit 336.19 2021.62 3456.96 2507.2 8244.62
Adjusted EPS (Rs.) 0.5 1.93 3.14 2.28 7.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1347.51 2095.54 2202.2 2202.2 2202.2
Total Reserves 61009.97 88841.77 93284.69 97653.46 104274.37
Deposits 703846.32 1106332.47 1146218.45 1281163.1 1369712.81
Borrowings 50225.43 42840.31 45681.41 51291.73 50429.85
Other Liabilities 14236.68 20522.52 27418.27 29520.87 35215.77
Total Liabilities 830665.91 1260632.62 1314805.02 1461831.36 1561835.01
Assets
Balance with RBI 38397.85 43958.83 85736.12 78176.58 65032.91
Balance with Banks 37595.18 67390.88 46910.66 76932.23 64071.67
Investments 240465.64 392983.25 372167.76 395996.72 420318.21
Advances 471827.72 674230.08 728185.68 830833.98 934430.59
Net Block 7239.07 11020.9 10673.61 12051.07 12318.77
Other Assets 35140.45 71048.68 71131.2 67840.78 65662.85
Total Assets 830665.91 1260632.62 1314805.02 1461831.36 1561835.01
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 73.15 73.15 73.15 73.15 70.08
central government (throu... 73.15 73.15 73.15 73.15 70.08
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 26.85 26.85 26.85 26.85 29.92
citigroup global markets ... - - - - 1.15
life insurance corporatio... 8.34 8.34 8.34 8.18 7.91
quant mutual fund - quant... - - 1.05 - -
sbi contra fund 1.17 1.07 - - -

Ratings & Research Reports

Company Presentations

Company News

Punjab National Bank informs about analyst meet 26 Dec, 5:18 PM PNB raises Rs 3000 crore through bonds 24 Dec, 11:45 AM Punjab National Bank informs about press release 5 Dec, 5:08 PM Punjab National Bank informs about newspaper publication 5 Nov, 4:54 PM PNB - Quaterly Results 28 Oct, 1:57 PM PNB - Quaterly Results 28 Oct, 1:57 PM PNB - Quaterly Results 28 Oct, 1:57 PM Punjab National Bank informs about updates 3 Oct, 12:48 PM Punjab National Bank informs about trading window closure 1 Oct, 12:43 PM Punjab National Bank informs about investor conference 12 Sep, 4:02 PM Punjab National Bank informs about analyst meet 10 Sep, 5:24 PM Punjab National Bank informs about analyst meet outcome 22 Aug, 4:09 PM Punjab National Bank informs about details of loss of certificate 17 Aug, 12:29 PM Punjab National Bank informs about change in interest rates 1 Aug, 12:16 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB inks pact with SAIL to offer loans 12 Jul, 5:18 PM RBI imposes monetary penalty of Rs 1.31 crore on Punjab National Bank 6 Jul, 4:17 PM Punjab National Bank reports 10% rise in global business during Q1FY25 5 Jul, 2:25 PM Punjab National Bank planning to expand global footprint 11 Jun, 11:30 AM Punjab National Bank inks pact with India Infrastructure Finance Company 4 Jun, 4:30 PM Punjab National Bank informs about security cover certificate 9 May, 5:00 PM Punjab National Bank reports 78% rise in Q4 consolidated net profit 9 May, 4:13 PM PNB - Quaterly Results 9 May, 2:00 PM PNB - Quaterly Results 9 May, 2:00 PM PNB - Quaterly Results 9 May, 2:00 PM Punjab National Bank informs about newspaper publication 16 Apr, 12:15 PM Punjab National Bank informs about compliance certificate 6 Apr, 3:18 PM PNB raises Rs 1859 crore through Bonds 23 Mar, 12:39 PM Punjab National Bank planning to raise fund through Bonds 22 Mar, 6:18 PM Punjab National Bank informs about updates 22 Mar, 5:15 PM Punjab National Bank informs about outcome of EGM 5 Mar, 5:30 PM Punjab National Bank informs about newspaper publication 28 Feb, 5:23 PM Punjab National bank informs about outcome of investor meet 20 Feb, 5:18 PM Punjab National Bank reports over 3-fold jump in Q3 consolidated net profit 25 Jan, 5:04 PM PNB - Quaterly Results 25 Jan, 2:20 PM PNB - Quaterly Results 25 Jan, 2:20 PM PNB - Quaterly Results 25 Jan, 2:20 PM Punjab National Bank informs about analyst meet 15 Dec, 12:16 PM Punjab National Bank informs about credit rating 30 Nov, 2:51 PM Punjab National Bank informs about outcome of analyst meet 23 Nov, 5:15 PM Punjab National Bank informs about analyst meet 21 Nov, 3:37 PM Punjab National Bank informs about issuance of duplicate share certificate(s) 20 Nov, 12:47 PM RBI imposes monetary penalty of Rs 72 lakh on PNB 6 Nov, 3:38 PM Punjab National Bank informs about loss of share certificate 30 Oct, 5:13 PM Punjab National Bank informs about reviewed financial results 27 Oct, 12:17 PM Punjab National Bank reports over 4-fold jump in Q2 consolidated net profit 26 Oct, 5:13 PM PNB - Quaterly Results 26 Oct, 1:40 PM PNB - Quaterly Results 26 Oct, 1:40 PM

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. PNB stock price today is Rs 101.76.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 106901.62 Cr. revenue in the latest financial year. PNB has posted decent revenue growth of 9.77183808868964 % in last 3 Years.

  • In terms of advances, PNB reported 12.469 % YOY,  rise . If you see 3 years advance growth, it stands at 11.4926679644179 %.

  • Currently, PNB has a CASA ratio of 40.3369 %. It’s overall cost of liability stands at 4.7051 %. Also, the total deposits from these accounts stood at Rs 1369712.8055 Cr.

  • PNB has a Poor ROA track record. The ROA of PNB is at 0.5453 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of PNB stood at 5.73 % and 0.73 % 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 negative at -35.6563271900331 % which means it has decreased 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 surged and is currently at Rs 13383.5396 Cr.

  • PNB has a Good Capital Adequacy Ratio of 15.97 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 1.0309 . The historical average PB was 0.646157826629968.

  • Share Price: - The current share price of PNB is Rs 101.76. 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.

Growth in Reserves of PNB  

The following is an analysis of the evolution of the reserves of PNB over a five year period, It clearly demonstrates that the institution has seen a consistent growth in its reserves. Among these, the reserves increased 71% to Rs 1,04,274.37 crores from Rs 61,009.97 crores in March 2020 to Rs 69,264.40 crores by March 2024. This means a good cash reserves has been achieved by way of profit retention and capital improvement.

Trend of deposits in PNB

The deposits, hence funding, have been on the increase under the ability to show a growing customer base and sustainable source of funds. While deposits increased from Rs 7,03,846.32 crores in March 2020 to Rs 13,69,712.81 crores in March 2024 95% increase. This increase also promotes the advanced capacity of the bank in providing more advances and also funds different types of assets.

PNB Assets Standing  

Total assets of the PNB grew from Rs 8,30,665.91 crores in the financial year of March 2020 to Rs 15,61,835.01 crores with the financial year of March 2024. The scope of advances portfolio rose from Rs 4,71,827.72 crores in March 2020 to Rs 9,34,430.59 crores in March 2024, which testifies to the bank’s credit strategy. This also added to assets where investments rose from Rs 2,40,465.64 crores to Rs 4,20,318.21 crores in the same period.

Liabilities of PNB

Other liabilities and borrowings among current liabilities have been fluctuating over the past one or two financial years. Outstanding borrowings slightly declined from Rs 50,225.43 crores in March 2020 to Rs 50,429.85 crores in March 2024 while other liabilities clearly highlighted operational activity and financial liability and their growth from Rs 14,236.68 crores to Rs 35,215.77 crores.

It has been calculated only on the Punjab National Bank Balance sheet of the year ended 31/03/2018 but not on the Consolidated one. For more analysis, you can use financial applications like stock filters to compare PNB with other banks or follow on updates of sectoral indices of NSE & BSE.

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.

Punjab National Bank ROCE

The Punjab National Bank (PNB) ROCE (Return on Capital Employed) is a key financial ratio that measures the profitability and efficiency of the company's capital investments. It indicates how well the company is utilizing its capital to generate profits. You can find the ROCE data for PNB in the financials table or ratio section on this page. ROCE is an important metric for investors as it helps assess the company's ability to generate returns from its capital.

Punjab National Bank EBITDA

EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a measure of a company's operating performance and financial health. PNB's EBITDA reflects its operating profitability before accounting for non-operating expenses and the effects of financing and depreciation. You can find the EBITDA data for PNB in the financials table or ratio section on this page. Monitoring PNB's EBITDA can provide insights into its underlying operational strength.

Punjab National Bank DPS

DPS (Dividends Per Share) is an important measure for investors interested in the income generated by investing in Punjab National Bank. DPS indicates the amount of cash distributed to shareholders for each share they own. You can find the DPS data for PNB in the financials table or ratio section on this page. Monitoring PNB's DPS helps investors assess the company's dividend policy and its potential for generating income.

Punjab National Bank EPS

EPS (Earnings Per Share) is a widely-used financial metric that indicates the profitability of a company on a per-share basis. PNB's EPS reveals the portion of the company's profit allocated to each outstanding share. You can find the EPS data for PNB in the financials table or ratio section on this page. Monitoring PNB's EPS allows investors to evaluate the company's profitability and track its earnings performance over time.

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