Punjab National Bank
PNB · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹290.16. Low-confidence estimate — limited data.
Piotroski F-score 4/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%13.0%
- –Low debt (D/E < 0.5)
- ✓Positive free cash flow
- ✓Revenue growth > 10%15%
- ✓Earnings growing2%
- ✓Net margin ≥ 10%31.2%
- –Current ratio > 1.5
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 74/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (31.2%).
Weaknesses
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Revenue growing (15% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~236% below our estimated fair value.
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
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.