What is Punjab National Bank's (PNB.NS) StockRank?

MoatMap's StockRank for Punjab National Bank (PNB.NS) is 71/100, with a Buy signal. This is a composite score combining Quality (51), Value (72), and Momentum (43) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Punjab National Bank have an economic moat?

Punjab National Bank (PNB.NS) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Punjab National Bank a buy, hold, or sell?

MoatMap's current signal for Punjab National Bank (PNB.NS) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Punjab National Bank in?

Punjab National Bank (PNB.NS) operates in the Financial Services sector, specifically the Banks - Regional industry (India).

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PNB.NS

BuyUnloved QualityFLAG

Punjab National Bank · Financial Services · India · $14.1B · Avg Vol: $16M/d

StockRank

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P/E (TTM)

6.0x

ROE

15.0%

D/E

0.6x

Dividend %

2.6%

AI CONVICTION THESIS

Insufficient evidence for a screen-pass. Punjab National Bank: fails the quant gate on momentum (Q51/V72/M43; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (INR)

Year	2023	2024	2025	2026	CAGR	TTM	2027E	2028E	Fwd CAGR
Revenue	470.9B	552.6B	597.6B	626.2B	10.0%	581.7B	646.1B	716.2B	6.9%
EPS (INR)	3.04	8.27	16.42	16.00	73.9%	19.31	17.54	18.65	8.0%
Shares	11.0B	11.0B	11.5B	11.5B	+4.4%	11.5B	—	—	—
Debt	701.5B	725.9B	720.0B	862.7B	7.1%	—	—	—	—
Equity	1.0T	1.1T	1.3T	1.5T	13.4%	—	—	—	—
Op CF	225.9B	-279.4B	220.8B	256.4B	4.3%	257.5B	—	—	—
Inv CF	-7.3B	-15.1B	-15.8B	-6.1B	—	—	—	—	—
Fin CF	12.7B	35.2B	-11.4B	-116.6B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+3.3%

SMA 50SMA 200

$1.22

RSI (14)

54.1

52W High

$1.37

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*39.4

ROE

15.0%73.1

GP/Assets

2.8%N/A

Op. Margin

29.4%45.7

FCF/Assets

1.2%N/A

Piotroski

446.2

Int. Cover

—50.0

D/E Ratio

0.58xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

6.0x86.9

EV/EBITDA

bankN/A

P/FCF

5.6xN/A

P/B

0.8x76.9

P/S

2.3x71.2

Div Yield

2.6%35.5

Momentum

52W High %

89%43.1

RS 6M

10%71.3

SMA 50/200

1.00x33.6

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-11%15.3

Q Growth

3%30.2

FUNDAMENTALS

Market Cap

$14.1B

P/E (Forward)

6.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PNB.NS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PNB.NS	Punjab National Bank(you)	$14.1B	71	Buy
CANBK.NS	Canara Bank	$11.9B	69	Buy
INDIANB.NS	Indian Bank	$12.2B	67	Buy
UNIONBANK.NS	Union Bank of India	$14.8B	58	Hold
BANKINDIA.NS	Bank of India	$6.8B	71	Buy
BANKBARODA.NS	Bank of Baroda Limited	$12.9B	57	Hold
MAHABANK.NS	Bank of Maharashtra	$6.9B	79	Buy
FEDERALBNK.NS	The Federal Bank Limited	$9.0B	56	Hold
YESBANK.NS	Yes Bank Limited	$7.5B	58	Hold
KARURVYSYA.NS	The Karur Vysya Bank Limited	$3.5B	69	Buy

Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%

Price	$1.22
Market Cap	$14.1B
P/E (TTM)	6.02
P/E (Forward)	6.74
Price/Book	0.85
Return on Equity	15.0%
Debt/Equity	0.58x
Operating Margin	29.4%
Revenue Growth	15.2%
Dividend Yield	2.6%
Free Cash Flow	$2.5B