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Punjab National Bank P/B Ratio

Current P/B Ratio
0.85
Low Valuation
Low - Trading below book value, may indicate undervaluation

Punjab National Bank (PNB) P/B ratio is 0.85 (Low), book value per share ₹581.84 vs Banks average P/B of 1.38 — Low - Trading below book value, may indicate undervaluation. View PNB 52-week chart for the annual high/low range and current price position.

Current Valuation Metrics

P/B Ratio 0.85
Current Price ₹106.26
Book Value/Share ₹581.84
Exchange NSE

Book Value Breakdown (2025)

Balance Sheet Components
Total Equity ₹133,766 Cr
Share Capital ₹2,299 Cr
Reserves & Surplus ₹130,839 Cr
Outstanding Shares 2,299,000,000
Book Value per Share ₹581.84

Valuation Signal

Signal Undervalued
Historical Avg 0.16
Historical Range 0.08 - 0.21
Percentile 100.0%

Sector Context

Sector Average 1.38
Sector Median 1.27
Sector Rank #4 of 40
Sector Percentile 10.0%

PNB P/B Ratio — Valuation Insights & Book Value Analysis

Punjab National Bank price-to-book ratio interpretation, valuation status and historical context — current P/B 0.85 (Low). For live price, earnings yield and the full fundamental profile, see PNB share price screener.

  • Stock appears undervalued with PB of 0.85, trading below book value
  • Trading below book value - potential value opportunity or financial distress signal
  • Current PB is 424.7% above historical average
  • Trading at discount to sector average PB of 1.38

Punjab National Bank P/B Ratio Historical Trend

PNB annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Compare with PNB stock valuation models to assess whether the stock is under or overvalued.

PNB Historical P/B Ratio — Book Value Per Share & Year-End Price

Punjab National Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.

Year P/B Ratio Book Value/Share (₹) Year-end Price (₹) Total Equity (₹ Cr) Valuation
2025 0.21 ₹581.84 ₹123.58 ₹133,766 Low
2024 0.2 ₹503.85 ₹99.89 ₹110,948 Low
2023 0.2 ₹469.3 ₹93.05 ₹103,340 Low
2022 0.12 ₹445.3 ₹54.86 ₹98,055 Low
2021 0.08 ₹443.8 ₹36.25 ₹93,021 Low

PNB vs Banks Peers — P/B Ratio Comparison

Punjab National Bank P/B 0.85 vs Banks average 1.38, median 1.27 — range 0.77–3.81.

Sector Average
1.38
Sector Median
1.27
Lowest P/B
0.77
Highest P/B
3.81
Companies
40
Company Symbol P/B Ratio Market Cap (₹ Cr) Valuation
Karnataka Bank KTKBANK 0.77 ₹9,307 Low
Bank of India BANKINDIA 0.78 ₹66,474 Low
Bank of Baroda BANKBARODA 0.83 ₹140,790 Low
Capital Small Finance Ba… CAPITALSFB 0.86 ₹1,258 Low
ESAF Small Finance Bank ESAFSFB 0.87 ₹1,506 Low
Suryoday Small Finance B… SURYODAY 0.88 ₹1,779 Low
Central Bank of India CENTRALBK 0.89 ₹30,911 Low
Utkarsh Small Finance Ba… UTKARSHBNK 0.9 ₹2,401 Low
South Indian Bank SOUTHBANK 0.93 ₹10,732 Low
DCB Bank DCBBANK 0.93 ₹5,907 Low