Punjab National Bank (PNB)- Stock Analysis and Study

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Stock Analysis and Study

Punjab National Bank (PNB)
Study Date: 29.08.2025

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📊 Key Financial Snapshot

• Current Price: ₹101.45

• 52-Week High/Low: ₹117 / ₹85

• Book Value: ₹82.65

• Face Value: ₹2

• PE Ratio (TTM): 7.02 (Fair; Sector Avg: 8.63)

• ROCE: 6.32% 👎🏻 (Poor)

• ROE: 15.2% 🌸 (Good)

• Beta: 1.15 👎🏻 (High Volatility)

• Piotroski Score: 3 👎🏻 (Weak Financials)

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💰 Dividend Profile

• Frequency: Once a year

• Latest Dividend: ₹2.90/- per share

• Payout Date: 20th June 2025

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🎯 Forecast Price Range

• High (H): ₹130 👍🏻

• Mean (M): ₹115 🙂

• Low (L): ₹90 👎🏻

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📅 Seasonality & Historical Performance

• Jan: 6/17 (👎🏻 Poor) +0.21% → Buy

• Feb: 6/17 (👎🏻 Very Poor) -8.50% → Strong Buy

• Mar: 10/17 (🌸 Good) +4.71% → Sell & Book Profit

• Apr: 12/17 (🌸 Very Good) +3.56% → Sell & Book Profit

• May: 4/17 (👎🏻 Poor) -0.76% → Buy

• Jun: 7/17 (🙂 Moderate) +1.72%

• Jul: 10/17 (🌸 Good) +1.90% → Sell

• Aug: 6/17 (👎🏻 Poor) -2.72% → Buy

• Sep: 9/17 (🌸 Good) +1.34%

• Oct: 10/17 (🌸 Good) +6.16% → Sell & Book Profit

• Nov: 10/17 (🌸 Good) +3.33% → Sell

• Dec: 8/17 (🙂 Neutral) +1.14% → No 
  

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✅ Quick Rating Box

• P – Poor 👎🏻

• G – Good 🌸

• D – Dividend 💰

• B – Buy 📈

• S – Sell 📉

• H – High 👍🏻

• L – Low 👎🏻

• M – Mean 🙂

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🔎 Interpretation & Insights

• Strengths: Attractive PE vs sector, healthy ROE, consistent dividend.

• Weaknesses: Weak Piotroski score, low ROCE, high volatility.

• Opportunities: Seasonal strength in Mar–Apr and Oct–Nov for profit booking.

• Risks: Vulnerable to market swings, financial fundamentals not very strong.

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⚠️ Disclaimer

This study is purely for educational and analytical purposes. It is based on personal research, data interpretation, and independent analysis. It does not constitute investment advice. Investors should consult certified financial advisors before making investment decisions.

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