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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Punjab National BankNSE:PNB -1.23%67 5-Year Yield-on-Cost % is 2.55 as of Aug. 22, 2026, which is 78% above its 10-year median of 1.43. GuruFocus rates NSE:PNB with a GF Score™ of 67/100 and a GF Value™ of ₹108.87 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,248 Banks companies, Punjab National Bank ranks worse than 72.12% on this metric.
Punjab National Bank's yield on cost for the quarter that ended in Jun. 2026 was 2.55.
The historical rank and industry rank for Punjab National Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:PNB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.48 Med: 1.43 Max: 2.87
Current: 2.55
During the past 13 years, Punjab National Bank's highest Yield on Cost was 2.87. The lowest was 0.48. And the median was 1.43.
NSE:PNB's 5-Year Yield-on-Cost % is ranked worse than 72.12% of 1248
companies
in the Banks industry
Industry Median: 3.87
vs NSE:PNB: 2.55
Punjab National Bank (NSE:PNB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Punjab National Bank 5-Year Yield-on-Cost % Related Terms
Punjab National Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Punjab National Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Punjab National Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Punjab National Bank's 5-Year Yield-on-Cost % falls into.
Punjab National Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Punjab National Bank (NSE:PNB) has a 5-Year Yield-on-Cost % of 2.55 as of Aug. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Punjab National Bank and its competitors. This is 78% above median its historical median of 1.43. Over the past decade, Punjab National Bank's 5-Year Yield-on-Cost % has ranged from 0.48 to 2.87. According to the industry distribution chart, Punjab National Bank ranks #900 out of 1248 companies in the Banks industry, placing it in the top 72.1%.
Is Punjab National Bank's 5-Year Yield-on-Cost % too high?
Punjab National Bank's current 5-Year Yield-on-Cost % of 2.55 is 78% above median its 10-year median of 1.43. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 2.87. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Punjab National Bank's value of 2.55 is 34.1% below this industry median. Based on the distribution chart, Punjab National Bank ranks #900 out of 1248 companies in the Banks industry, which is below the industry midpoint. Overall, Punjab National Bank has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Punjab National Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Punjab National Bank ranks #900 out of 1248 companies for 5-Year Yield-on-Cost %. This places Punjab National Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Punjab National Bank's value of 2.55 is 34.1% below this benchmark. Historically, Punjab National Bank's own 5-Year Yield-on-Cost % has ranged from 0.48 to 2.87 over the past decade. While the company's 10-year median is 1.43 vs. the industry median of 3.87, Punjab National Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Punjab National Bank's current 5-Year Yield-on-Cost % of 2.55 is 34.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Punjab National Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Punjab National Bank's current 5-Year Yield-on-Cost % is 2.55, which is 78% above median its own 10-year median of 1.43. 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 ₹108.87, compared to a current price of ₹116.55 — trading 7.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.55, which is 78% above median its 10-year median of 1.43 and 34.1% below the Banks industry median of 3.87. Punjab National Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Punjab National Bank (NSE:PNB), the current 5-Year Yield-on-Cost % is 2.55 as of Aug. 22, 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 ₹116.55 is trading 7.1% above its estimated GF Value™ of ₹108.87.
GuruFocus considers Punjab National Bank to be Fairly Valued.
Key valuation signals for NSE:PNB:
5-Year Yield-on-Cost %: 2.55 (78% above median its 10-year median of 1.43)
GF Value™: ₹108.87 vs. price of ₹116.55 (7.1% above fair value)
Industry Position: 34.1% below the Banks median (#900 of 1248)
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.
67GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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