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Punjab National Bank has the GF Score of 68, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Punjab National Bank
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Punjab National Bank (NSE:PNB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Punjab National Bank GF Score Related Terms
Punjab National Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Punjab National Bank's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Punjab National Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Punjab National Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Punjab National Bank's GF Score falls into.
Punjab National Bank (NSE:PNB) has a GF Score of 68 as of Jul. 21, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Punjab National Bank and its competitors. This is 33% above median its historical median of 51.00. Over the past decade, Punjab National Bank's GF Score has ranged from 18.00 to 72.00.
Is Punjab National Bank's GF Score too high?
Punjab National Bank's current GF Score of 68 is 33% above median its 10-year median of 51.00. Over the past 10 years, this metric has ranged from a low of 18.00 to a high of 72.00. Overall, Punjab National Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Punjab National Bank's GF Score compare to competitors?
Punjab National Bank's GF Score of 68 can be compared against companies in the Banks industry. Historically, Punjab National Bank's own GF Score has ranged from 18.00 to 72.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Punjab National Bank and its competitors. Punjab National Bank's current GF Score is 68, which is 33% above median its own 10-year median of 51.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab National Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab National Bank (NSE:PNB) is currently considered Fairly Valued. The stock's GF Value™ is ₹107.41, compared to a current price of ₹111.76 — trading 4% above its estimated fair value. The current GF Score is 68, which is 33% above median its 10-year median of 51.00. Punjab National Bank's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Punjab National Bank (NSE:PNB), the current GF Score is 68 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Punjab National Bank (NSE:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Punjab National Bank stock appears to be overvalued.
The current stock price of ₹111.76 is trading 4% above its estimated GF Value™ of ₹107.41.
GuruFocus considers Punjab National Bank to be Fairly Valued.
Key valuation signals for NSE:PNB:
GF Score: 68 (33% above median its 10-year median of 51.00)
GF Value™: ₹107.41 vs. price of ₹111.76 (4% above fair value)
No single metric tells the full story. See the NSE:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Punjab National Bank is an Indian public sector bank. It provides all banking products and financial services including acceptance of various kinds of deposits like savings, term, current, recurring deposits etc. and credit financing. Its banking operations cater to individuals, corporates, farmers, government entities, start-ups, MSMEs, and other constituents, offering comprehensive Product offering and services. Its primary segments are Treasury, Retail Banking, Corporate / Wholesale Banking, and Other Banking Operations. The bank generates majority of revenue from Corporate / Wholesale Banking includes all advances which are not included under Retail Banking. Secondary segments are Domestic operations, and Foreign Operations. It generates majority of income from Domestic operations.
68GF Score
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