by Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions : Friends, if you want to understand what PNB (Punjab National Bank) share price targets might look like from 2025-2030, look no further. In this article we have conducted an in-depth financial analysis of Punjab National Bank over the last ten years and conducted both fundamental and technical analysis on its current financial state to outline all potential outcomes that might occur going forward. By reading this piece you’ll easily be able to comprehend its future prospects; let’s dive in together and discover what our PNB share price targets might look like!
Basic information About Punjab and Sind Bank
PNB Bank was established in 1894 during British rule. Many freedom fighters including Lala Lajpat Rai were instrumental in its founding. The inaugural meeting of PNB was held on October 17, 1894 – at this point India and Pakistan were considered one nation, which led to it initially being founded in Lahore.
As part of its nationalism, Punjab National Bank was India’s inaugural indigenous bank with widespread Indian participation. Today, over 13,000 branches exist within India while an ATM network with over 14,000 ATMs covers it further. PNB International Bank operates out of London while additional branches can be found throughout Hong Kong, Afghanistan, Australia Norway China among others.
This bank offers an impressive variety of personal and corporate banking services, from debit cards and credit cards to home loans, personal loans, gold loans, life insurance policies, mobile banking apps, RTGS internet banking UPI services business loans.
Recent Graph of Punjab and Sind Bank Share
Financial Overview Of Punjab and Sind Bank
| Parameter | Value |
|---|---|
| Open | 45.99 |
| Previous Close | 45.79 |
| Volume | 1,377,213 |
| Value (Lacs) | 638.61 |
| VWAP | 46.21 |
| Beta | 1.99 |
| Market Cap (Rs. Cr.) | 31,428 |
| High | 47.27 |
| Low | 44.88 |
| UC Limit | 54.94 |
| LC Limit | 36.63 |
| 52 Week High | 77.50 |
| 52 Week Low | 40.64 |
| Face Value | 10 |
| All Time High | 146.70 |
| All Time Low | 9.30 |
| 20D Avg Volume | 2,496,300 |
| 20D Avg Delivery (%) | 12.9 |
| Book Value Per Share | 17.08 |
| Dividend Yield | 0.43 |
See More : Bank of Baroda Share Price Target 2025 to 2030
Punjab and Sind Bank Share Price Target 2025
PNB Bank currently ranks third-largest among Indian banks, offering investors an attractive dividend and representing Myanmar and Bangladesh as a representative bank. PNB also works across various industrial sectors including energy, roads and ports, basic metals, telecom, textiles and more. Their profit in 2023 totalled Rs3,359 crores but surged up to Rs9,197 crores the following year – giving an indication of where PNB Share Price Target for 2025 may lie. Fu ture of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
PNB’s 2025 share price target projections include three distinct targets. They reflect PNB’s potential growth based on current performance and future prospects. These projections range from Rs138 per share up to and including Rs157.
| Share Price Target 2025 | Rs |
| First Target | 138 |
| Second Target | 144 |
| Third Target | 157 |
Punjab and Sind Bank Share Price Target 2026
PNB operates internationally and offers personal loans as well as corporate loans to its customers. Revenue at PNB was Rs86,845 crores in 2023, rising to Rs1,09,065 in 2024 – over 10 years, their compound sales growth averaged out to 9% compound growth while within 5 years that figure increased up to 16% and 21% growth last year alone! Based on these factors, their share price target could look something like this in 2026:
PNB’s share price projection for 2026 is as follows: The first target is set at Rs158; second target stands at Rs166 and third is set at Rs180 based on PNB’s projected continued growth and performance in coming years.
| Share Price Target 2026 | Rs |
| First Target | 158 |
| Second Target | 166 |
| Third Target | 180 |
Punjab and Sind Bank Share Price Target 2027
PNB’s compound profit growth over the past ten years has averaged 10% annually; during its most recent five year stretch (24%); three year stretch was 28% and compound annual profit growth last year reached 166%; should this trend continue, PNB share price could see substantial appreciation by 2027.
PNB’s 2027 share price targets have been established as follows: the first target stands at Rs188; second target Rs197 and finally third target stands at Rs220 – these reflect projected growth and performance within PNB over the ensuing years.
| Share Price Target 2027 | Rs |
| First Target | 188 |
| Second Target | 197 |
| Third Target | 220 |
Punjab and Sind Bank Share Price Target 2030
PNB Bank is currently emphasizing digitization, having digitalized several services already. They intend to continue providing convenient banking solutions while performing well internationally as well. With all this considered, their share price target for 2030 could look like this: Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
PNB’s share price target in 2030 has been set as follows: the first target is estimated to be Rs360; second and third targets respectively are set based on long-term growth potential and market performance.
| Share Price Target 2030 | Rs |
| First Target | 360 |
| Second Target | 390 |
| Third Target | 480 |
Summary Of PNB Share Price Target 2025 to 2030
| Year | First Target (Rs) | Second Target (Rs) | Third Target (Rs) |
|---|---|---|---|
| 2025 | 138 | 144 | 157 |
| 2026 | 158 | 166 | 180 |
| 2027 | 188 | 197 | 220 |
| 2030 | 360 | 390 | 480 |
History Of Punjab and Sind Bank Share Price
In 2002, PNB shares were trading around Rs8 and saw steady increases over two years to reach Rs75 by 2004 – continuing upward until 2007, when their value had reached around Rs130. Between January 2008 and March 2009, there was a sharp decrease in share prices – reaching nearly Rs60 – but from March 2009 forward there was a strong upward trend which continued up until November 2010. By November 2010 its shares had reached around Rs270. Between 2010 and 2013, there was an initial sharp decline. After 2013, however, stock began trading around Rs200 in both 2014 and 2017 before entering a bearish phase lasting until 2023. Since 2023 however, bullish momentum has returned – as at this writing it stands at approximately Rs107 per share.
Pros and Cons of Punjab and Sind Bank
Since 2010, our Company has experienced compound annual earnings growth of 25.2% compound annual compound rate over five years and maintained a healthy dividend payout rate of 22.6% with working capital requirements declining from 103 days to 61.0 days over this time frame. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Company exhibits poor interest coverage ratio, has experienced low sales growth of 2.52% for five consecutive years and experienced an underwhelming return on equity of 7.17 % over 3 years. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Peer comparison
- Punjab & Sind Bank
- St Bk of India
- Bank of Baroda
- Punjab Natl. Bank
- Indian Overseas Bank
- Union Bank of India
- Canara Bank
- Indian Bank
Quarterly Results
| Metric | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|
| Revenue (Rs. Cr.) | 2,481 | 2,652 | 2,739 | 2,931 |
| Interest (Rs. Cr.) | 1,792 | 1,802 | 1,866 | 1,992 |
| Expenses (Rs. Cr.) | 875 | 831 | 924 | 902 |
| Financing Profit | -186 | 19 | -52 | 36 |
| Financing Margin % | -8% | 1% | -2% | 1% |
| Other Income (Rs.) | 413 | 194 | 359 | 338 |
| Profit Before Tax | 227 | 213 | 307 | 375 |
| Tax % | 39% | 15% | 22% | 25% |
| Net Profit (Rs.) | 139 | 182 | 240 | 282 |
| EPS (Rs.) | 0.21 | 0.27 | 0.35 | 0.42 |
| Gross NPA % | 5.43% | 4.72% | 4.21% | 3.83% |
| Net NPA % | 1.63% | 1.59% | 1.46% | 1.25% |
Revenue (Rs. Cr): Revenue has steadily increased over time, beginning from Rs. 2,481 Cr in March 2024 and reaching Rs. 2,652 Cr in June, followed by 2,739 Cr in September and reaching a peak of 2,931 Cr by December 2024.
Interest (Rs. Cr): Interest earned saw a steady increase over time, starting at Rs. 1,792 Cr in March 2024 and reaching Rs. 1,802 Cr by June 2024 before reaching 1,866 Cr by September and eventually hitting 1,992 Cr by December 2024.
Expenses (Rs. Cr): Expenses fluctuated throughout 2024, beginning from Rs. 875 Cr in March and falling to Rs. 831 Cr by June before rising again to reach 924 Cr in September before finally decreasing back down to 902 Cr by December.
Financing Profit: Financing profit experienced an unexpected drop in March 2024 with a loss of Rs. 186 Cr, but rebounded by June with a profit of Rs. 19 Cr before becoming negative again in September with losses totalling 52 Cr and recovering to Rs. 36 Cr by December 2024. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Financing Margin Percent: The financing margin percentage varied considerably during this time, starting as low as -8% in March 2024 and rising gradually, reaching positive numbers (1% in June, then negative again for September with -2%), until finally closing out with positive margins in December (2024).
Other Income (Rs.): Other income totalled Rs. 413 Cr in March 2024 and decreased to Rs. 194 Cr by June. It then rose back up again by September to reach 359 Cr before slowly decreasing back down again to Rs. 338 Cr by December.
Profit Before Tax: Starting in March 2024, profits before tax ranged between Rs. 227 Cr and 213 Cr before recovering to reach 307 Cr by September and reaching Rs. 375 Cr by December. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Tax Percentage: Beginning at 39% in March 2024 and gradually declining over time until finally reaching 15% by June, 22% by September and finally 25% in December.
Net Profit (Rs.): The net profit showed steady increases from March 2024 until June 2024 when it hit 182 Cr, followed by September (240 Cr) and ultimately December (2024 when it reached 282 Cr. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Earnings per Share (EPS, in Rs): Earnings per share (EPS) increased steadily throughout 2024, from Rs. 0.21 in March 2024 to Rs. 0.27 by June, and finally Rs. 0.35 by September. It reached its maximum point in December.
Gross NPA Percentage: Gross NPA Percentage has steadily decreased from its peak of 5.43% in March 2024, down to 4.72% by June, 4.21% by September, and finally reaching 3.83 % by December. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Net NPA Percentage: Over time, the Net NPA Percentage fell gradually from 1.63% in March 2024 to 1.59% in June 2024 to 1.46% in September 2024 before reaching an all-time low of 1.25% by Deer Park 2025.
Profit & Loss
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|
| Revenue (Rs. Cr.) | 7,096 | 7,993 | 9,694 | 10,804 |
| Interest (Rs. Cr.) | 4,444 | 5,019 | 6,853 | 7,453 |
| Expenses (Rs. Cr.) | 2,287 | 2,145 | 2,975 | 3,533 |
| Financing Profit | 364 | 828 | -134 | -182 |
| Financing Margin % | 5% | 10% | -1% | -2% |
| Other Income (Rs.) | 959 | 940 | 1,221 | 1,304 |
| Depreciation | 137 | 148 | 150 | 0 |
| Profit Before Tax | 1,187 | 1,620 | 937 | 1,122 |
| Tax % | 12% | 19% | 36% | |
| Net Profit (Rs.) | 1,039 | 1,313 | 595 | 842 |
| EPS (Rs.) | 1.53 | 1.94 | 0.88 | 1.25 |
| Dividend Payout % | 20% | 25% | 23% |
Revenue (Rs. Cr. ): PNB experienced steady revenue increases throughout its years of operations, beginning with 709 crore in March 2022 before rapidly growing to Rs 796 crore by March 2023 before reaching an impressive amount of 7,993 Cr in March 2024 before surpassing this threshold to hit Rs 10,804 Crore on a trailing twelve month (TTM) basis.
Interest (Rs Cr) The interest earned has steadily increased from 4,444 Cr in March 2022 to Rs 5,019 Cr by March 2023 before reaching 6,853 Cr by March 2024 before eventually reaching Rs 7.453 Cr total through TTM.
Expenses (Rs. Cr.) In March 2022, expenses dropped from Rs. 2,287 Cr to Rs. 2,145 Cr before increasing again to reach 2,975 Cr in March 2024; TTM expenses then reached 3,333 Cr to 3,533 Cr. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Financial Profit The financial profit experienced a mixed pattern. By March 2022 it stood at Rs. 364 Cr and then rose to an 828 Crore profit in March 2023 before declining once again with a loss of Rs 134 Cr by March 2024 – this represented an TTM financing loss of 182 Cr.
Financing Margin Percent: Financing margin percents started off well, reaching 5% by March 2022 and eventually rising to 10% by March 2023 before taking an abrupt dive down to -1% by March 2024 and even further, dropping TTM.
Other Income (Rs.) In March 2022, other income totalled Rs. 959 Crore and declined gradually over time until reaching 940 Cr in March 2023; after which it gradually rose until reaching Rs. 1,221 Crore by March 2024 before reaching TTM figure of Rs.1,304 Crore.
Depreciation Depreciation rates were steady at Rs. 137 Cr per March 2022-2024 period, increasing gradually each time up to an astounding total of 150 Cr in March 2024; yet still reported at zero TTM! Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Profit Before Tax (PBT) Profit before Tax increased from Rs.1,187 Cr in March 2022 to Rs.1,620 Cr by March 2023 before gradually decreasing to 937 Cr by March 2024 on a TTM basis and eventually reaching an all-time minimum (TTM) amount of Rs. 1,122 Cr.
Tax Percent A tax rate stood at 12.18% in March 2022 and then rose gradually over time until reaching 36% by March 2024.
Net Profit (Rs.) increased from an initial amount of Rs.1,039 Cr in March 2022 to Rs.1,313 Cr by March 2023 before gradually declining back down to 595 Cr by March 2024; TTM net profit reached 842 Cr. Future of Punjab and Sind Bank Shares: 2025–2030 Price Predictions
Earnings per Share (EPS) were at Rs. 1.53 during March 2022 and increased gradually up to Rs. 1.94 by March 2023; however, by March 2024 they dropped back down to 1.88 and 0.88; TTM EPS improved substantially at 1.25 in that month.
Dividend Payout PercentageThe dividend payment ratio stood at 20 percent in March 2022 and increased to 25% by March 2023 before decreasing back down to 23 percent.
Balance Sheet
| Metric | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|
| Equity Capital | 6,778 | 6,778 | 6,778 |
| Reserves | 7,233 | 8,331 | 8,756 |
| Borrowings | 104,581 | 118,684 | 129,180 |
| Other Liabilities | 2,476 | 2,662 | 2,943 |
| Total Liabilities | 121,068 | 136,455 | 147,657 |
| Fixed Assets | 1,577 | 1,519 | 1,756 |
| CWIP | 0 | 0 | 0 |
| Investments | 42,281 | 44,838 | 49,599 |
| Other Assets | 77,209 | 90,097 | 96,302 |
| Total Assets | 121,068 | 136,455 | 147,657 |
Shareholding Pattern
| Metric | Dec 2024 |
|---|---|
| Promoters | 98.25% |
| FIIs | 0.00% |
| DIIs | 0.65% |
| Public | 1.10% |
| No. of Shareholders | 1,99,133 |
Conclusion
In this article, we have attempted to make accurate forecasts for PNB’s share price from 2025-2030. In doing this, we attempted to offer all possible predictions by performing fundamental and technical analysis of how its future may unfold – making the reading of this article easy for anyone looking into its future. If you wish for further insight, other articles written by this same author can be found for free on our website as well as on social media channels – feel free to follow us!
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