PNB -Punjab National Bank -Stock study is intended only for educational and analytical purposes

Last Update on 20 July 2026

Lession Learn and self study observation notes

PNB-Punjab National Bank

1.Buy - Feb, Sell -Apr

2.Buy-May, Sell - July

3.Buy- Aug, Sell - Oct

Max Profit

Buy in Feb  , Sell in Apr

PNB -Punjab National Bank

Stock Analysis and Study 

Study on 04.05.2026

P-Poor👎🏻 

G- Good 🌸

D-Dividend

B-Buy

S-Sell

HD-Hold 😅

HH-High 👍🏻

L-Low 👎🏻

M- Mean

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Company Performance & Dividend

Result : Result ⬇️ % YOY

Sale : (%) Poor👎🏻

EBIDT: (%)Good 🌸

Net Profit:(%) Poor👎🏻

EPS: (%) Poor👎🏻

Result : Q4 2026

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Paying dividend 1 time in year (June=apprx. 2.90 /- in a year)

Upcoming Result Q4 2026- 05 May 2026

Dividend ~3/--per share (12 June 2026)

Record date: 12 June 2026

Payout date: ?

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Current Market Snapshot

Current Price: 108.68 (BV=130)👍(Graham No:212)

52W H/L: 135/89.4

PE:  7.03(👍)

PE Sector: 18.83

ROCE:6.32%(Low👎)

ROE: 15.2% (Good 🌸👍)

Book Value :364 (Good 🌸)

Face Value: 2

Beta: 1.25(Bad👎)

RSI-42 (Good 🌸) (Buying Time)

Graham No:212

Piotroski score-8 (Good 🌸)

Forcast:

High-150

Mean-127

Low-88

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Seasonality Trend (Last 17 Years Performance)

Seasonality

Positive result count% out of 17 years

Jan: 41.18 %

Feb: 38.89%

Mar: 55.56%

Apr: 72.22% -Sell  Max Profit

May: 4/17 -23.53% - Buying Time

June: 41.18%

July: 58.82% - Sell

Aug: 35.29%-Buy

Sep: 58.82%

Oct: 64.71%

Nov: 64.71%-Sell

Dec: 50.07%

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Piotroski Score : 8  Good🌸 Finance

Mar 2026

FII: 6.39% (5.93%)⬆️

DII: 16.05% (16.09%)⬇️ 

Promoter: unchange 70.08%

Institution Invester : % (%)⬇️ 

Ptomoter pladge:

Public: 7.48% (7.91%)⬇️ 

⬆️⬇️ 🌸👍🏻👎🏻😅current% (old%)

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Strategy Outlook

Shareholding max upto May

In current case -June (Dividend) ~2.90/-

For Max Profit 

1. Buy in Feb ----Sell in April

2. Buy in May,---Sell in July

Confidence Vote

👉 If you already hold this stock, best exit opportunity may come in  June.

Buy or Not Buy Decision :Can be buy at ~100/- to 101/-Per Share

⚠️ Disclaimer

This study is intended only for educational and analytical purposes. It reflects personal research, interpretation, and historical trend analysis. It is not investment advice. Investors must consult certified financial advisors and consider individual financial goals and risk profiles before making investment decisions.

Recommendation ;: Buy @100- 101/-

PNB Bank

Study on 29.08.2025

Current Price: 101.45

P-Poor

G- Good

D-Dividend

B-Buy

S-Sell

H-High

L-Low

M- Mean

Result 

Paying dividend 1 time in year ~ 2.90/- (20 - June)

Dividend Announce : 2.90/-

Record date 

Payout date : 20 June 2025

52- W H/L: 117/ 85

PE: 7.02 (Ok)

PE Sector:8.63

ROCE: 6.32% (Poor)

ROE: 15.2% (Good)

Book Value: 82.65

Face Value: 2

Beta: 1.15 (Poor)

Forcast:H/M/L

130/115/90

Piotroski Score : 3 (Poor) Weak Finance

Seasonality

Positive result in

Jan: 6/17 (P) (+0.21) (Buy)

Feb: 6/17 (Very Poor) (-8.50%) (Strongly Buy)

Mar: 10/17 (G) (+4.71%) Sell and Book profit

Apr:  12/17 (Very Good) (+3.56%) Sell and book profit

May: 4/17 (P) (-0.76) (Buy)

June: 7/17 (P) (+1.72%)

July: 10/17(G) (1.90%) -Sell

Aug: 6/17 (Poor) (-2.72%) Buy

Sep: 9/17 (G) (+1.34%)

Oct: 10/17 (G) (+6.16%) -Sell and book Profit

Nov: 10/17 (G) (+3.33%) -Sell

Dec: 8/17 (Ok) (+1.14%) - No action

Share Holding up to Oct -Nov

Disclaimer

This document is purely for educational and analytical purposes only. It represents personal study, data interpretation, and thought-provoking observations. It does not constitute investment advice or a recommendation. Investors must make independent decisions after consulting certified financial advisors, taking into account their own objectives and risk appetite

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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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