banking · PNB
Punjab National Bank
Punjab National Bank: PE above historical average. NARROW LEADERSHIP regime.
Price
₹104.29
Price 2026-07-06
5 day
-3.02%
Short-term move
1 month
+0.44%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹119.3k Cr
neutral sector flow
FinGenie AI
Get an intelligence answer grounded in today's published data
“How does today's NARROW LEADERSHIP regime affect Punjab National Bank (PNB) in the banking sector?”
Price chart
₹107
+1.42% over period
About Punjab National Bank
Punjab National Bank provides various banking and financial products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; and housing, vehicle, education, personal, gold, and mortgage and other loans. It also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist 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, the company offers life and general insurance services; depository, mutual funds, merchant banking, and application supported by blocked amount services; and NRI banking and services. Further, the company provides mobile and internet banking, UPI, SMS banking, missed ...
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -12.2% over 14 days) — not a reliable pattern.
52-week position
Trading at 77.2% of 52-week high
Technicals
RSI 14
34.1
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
6.5
57th pct · 7 quarterly points (limited history)
P/B
0.8
ROE
13.0%
Moderate profitability — 13.0% ROE
Market cap
₹119.3k Cr
Revenue growth
1520.0% YoY
Promoter
70.1%
52-week range
₹98.5 – ₹135.15
77.2% of high
RSI (14)
34.1
downtrend
vs 50 DMA
Below
DMA ₹106.82
Fundamental
82/100
STRONG
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
Punjab National Bank scores 82/100 on fundamentals (strong). Punjab National Bank: PE above historical average. NARROW LEADERSHIP regime.
Fundamental Score: 82/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 12.2% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 12.17% is moderate leverage-driven and stable. Net margin 29.3%, asset turnover 0.03x, leverage 13.6x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 29.3% means the company keeps ₹29.3 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.03x means the company generates ₹0.03 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 13.6x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
29.3%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank | ₹829.85 | +3.9% | 18.5 | 13.8% | -180% | ₹12.8L Cr |
| AXISBANK Axis Bank | ₹1,339.6 | -1.3% | 15.9 | 13.2% | -1100% | ₹4.2L Cr |
| BANKBARODA Bank of Baroda | ₹249.95 | -8.4% | 6.5 | 12.7% | -760% | ₹1.3L Cr |
| CANBK Canara Bank | ₹126.46 | +0.5% | 5.8 | 15.9% | -4670% | ₹1.1L Cr |
| FEDERALBNK Federal Bank | ₹330.3 | +1.9% | 19 | 11.7% | 1230% | ₹81.8k Cr |
| AUBANK AU Small Finance Bank | ₹1,061.4 | +3.0% | 30.5 | N/A | 3710% | ₹79.8k Cr |
| BANKINDIA Bank of India | ₹139.8 | -1.9% | 6 | 12.1% | 1010% | ₹64.8k Cr |
| BANDHANBNK Bandhan Bank | ₹207.39 | +2.5% | 27 | 4.9% | 11930% | ₹33.0k Cr |
| PNB Punjab National Bank | ₹104.29 | -2.5% | 6.5 | 13% | 1520% | ₹1.2L Cr |
Bank Metrics
Return on Assets
0.90%
Benchmark: >1%
Efficiency Ratio
70.7%
Lower is better
Asset Growth
+9.5%
Year over year
PB Ratio
0.8x
Price to book
ROA of 0.9% is adequate (benchmark: >1% for banks). Adequate but room for improvement. P/B of 0.8x — trading below book. Market pricing below book value — potential value opportunity or asset quality concern.
Key Watchpoints
Breaks above ₹110 (+5%)
Trend reversal confirmation
Breaks below ₹99 (-5%)
Further downside risk
PE reverts to median of 6.4 (7 quarterly points (limited history))
Valuation normalization
Banking sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Elevated risk score. Review audit, board, and shareholder rights metrics.
Potential accounting concerns. Cross-check with earnings quality flags.
Governance structure concerns. Independent director representation may be weak.
Profits are from core operations, not one-offs. High quality.
Modern asset base. Lower near-term capex requirements.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 1 critical + 2 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes