Punjab National Bank
NSE: PNB · Public Sector Bank
Snapshot
Unlock Punjab National Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Punjab National Bank is a major Indian public sector bank offering a comprehensive suite of retail, corporate, and agricultural banking services. It operates through segments including Treasury, Corporate/Wholesale Banking, and Retail Banking, supported by an extensive network of over 10,000 branches.
Business Model
The bank generates revenue primarily through net interest income derived from lending activities and fee-based income from financial services, insurance, and merchant banking. It leverages its vast branch network and digital banking infrastructure to mobilise deposits and provide credit to diverse customer segments.
- Branch Network:10,098
Growth Outlook
Growth is driven by the expansion of digital banking services and the penetration of credit products into the MSME and agricultural sectors. The bank continues to focus on enhancing its service delivery through technological integration and wider geographical reach.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in earnings due to the risk of non-performing assets within its large corporate and MSME loan portfolios.
- Regulatory Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and government policy shifts that may impact operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to sophisticated cyber threats and data security vulnerabilities.
- Interest Rate Risk. Fluctuations in interest rates can significantly impact the bank's net interest margins and the valuation of its investment portfolio.
Price
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Key Metrics
NET PROFIT
₹18,928 Cr
TTM · consolidated
EPS
₹17.80
TTM · consolidated
P/E
5.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
15.8%
Q3 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Punjab National BankPNB | 1,23,778 | 5.91 | — | — | — | 13.7% | — | -8.5% |
Bank of BarodaBANKBARODA | 1,41,178 | 6.47 | — | 4.3% | — | 11.7% | — | -0.3% |
Union Bank of IndiaUNIONBANK | 1,33,282 | 6.63 | — | 1.7% | — | 11.4% | — | +13.8% |
Canara BankCANBK | 1,21,546 | 6.39 | — | 6.8% | — | 14.5% | — | +7.6% |
Indian BankINDIANB | 1,17,360 | 9.44 | — | 8.3% | — | 15.5% | — | +27.8% |
Bank of IndiaBANKINDIA | 67,083 | 6.33 | — | 7.9% | — | 12.2% | — | +21.4% |
As of Q3 FY26
Financials
Punjab National Bank
NSE: PNB · Public Sector Bank
Snapshot
Unlock Punjab National Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Punjab National Bank is a major Indian public sector bank offering a comprehensive suite of retail, corporate, and agricultural banking services. It operates through segments including Treasury, Corporate/Wholesale Banking, and Retail Banking, supported by an extensive network of over 10,000 branches.
Business Model
The bank generates revenue primarily through net interest income derived from lending activities and fee-based income from financial services, insurance, and merchant banking. It leverages its vast branch network and digital banking infrastructure to mobilise deposits and provide credit to diverse customer segments.
- Branch Network:10,098
Growth Outlook
Growth is driven by the expansion of digital banking services and the penetration of credit products into the MSME and agricultural sectors. The bank continues to focus on enhancing its service delivery through technological integration and wider geographical reach.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in earnings due to the risk of non-performing assets within its large corporate and MSME loan portfolios.
- Regulatory Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and government policy shifts that may impact operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to sophisticated cyber threats and data security vulnerabilities.
- Interest Rate Risk. Fluctuations in interest rates can significantly impact the bank's net interest margins and the valuation of its investment portfolio.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Punjab National Bank and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹18,928 Cr
TTM · consolidated
EPS
₹17.80
TTM · consolidated
P/E
5.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
15.8%
Q3 FY26 · consolidated
Peers · Public Sector Bank
As of Q3 FY26