Stock Analysis and Study

Punjab National Bank (PNB)
Study Date: 29.08.2025

📊 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)

💰 Dividend Profile

Frequency: Once a year
Latest Dividend: ₹2.90/- per share
Payout Date: 20th June 2025

🎯 Forecast Price Range

High (H): ₹130 👍🏻
Mean (M): ₹115 🙂
Low (L): ₹90 👎🏻

📅 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

✅ Quick Rating Box

P – Poor 👎🏻
G – Good 🌸
D – Dividend 💰
B – Buy 📈
S – Sell 📉
H – High 👍🏻
L – Low 👎🏻
M – Mean 🙂

🔎 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.

⚠️ 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.

World Engineer

Thursday, October 2, 2025

Punjab National Bank (PNB)- Stock Analysis and Study