Punjab National Bank
Valuation (98/100) does the heavy lifting; financial trend (50/100) is the drag.
Buy zonePunjab National Bank earns a Buy from StocksWizard, with a blended score of 72/100. At ₹111.08 it trades below our blended DCF and relative-multiples fair value of ₹222.16, about 100% upside to that estimate — we read it as undervalued by 100%. On 6.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 14% below its 52-week high of ₹128.62 and 15% above the low of ₹96.68. Financial health scores 68/100, with a Piotroski F-score of 4/9. The average analyst target of ₹119.38 implies about 7% upside across 16 analysts. It clears 7 of 10 investability checks, with durability 73, valuation 95 and momentum 53 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹177.73. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-13.64% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy72Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.0%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 15%
- Pass: Earnings growing: 2%
- Pass: Net margin ≥ 10%: 31.2%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter70.1%
- Institutions19.4%
- Public & other10.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (31.2%).
Opportunities
- Revenue growing (15% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About Punjab National Bank
Punjab National Bank operates banking and financial services in India and internationally across Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It provides personal banking products including savings accounts, current accounts, fixed deposits, and capital gain accounts, along with gold monetization schemes. The bank also offers housing, vehicle, education, personal, gold, and mortgage loans.
Punjab National Bank — frequently asked questions
Is Punjab National Bank a buy, hold or sell?
StocksWizard currently rates Punjab National Bank (PNB) a Buy, based on a blended score of 72/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Punjab National Bank's fair value?
Our blended DCF and relative-valuation model estimates Punjab National Bank's fair value at about ₹222.16, versus a current price of ₹111.08 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Punjab National Bank financially healthy?
Punjab National Bank scores 68/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Punjab National Bank's share price performed?
Punjab National Bank is up 5% over three months, and last traded at ₹111.08. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.