On Wednesday, May 7, 2025, Punjab National Bank (PNB) released the results for the January through March quarter. The State-run institutional lender’s standalone net profit for the fourth quarter of the fiscal year 2024–25 increased by about 52% to ₹4,567 crore, up from ₹3,010.27 crore in the same period last year.
The difference between interest earned and expenses, or the PSU Bank’s net interest income (NII), increased 3.8% to ₹10,756.98 crore from ₹10,363.11 crore during the same period of the previous fiscal year.
As of the fourth quarter that concluded in March 2025, the gross non-performing assets (GNPA) ratio, also known as the bad loans ratio, improved by 178 basis points to 3.95 percent from its level of 5.73 percent during the same period the previous year.
PNB Share Price
Following Wednesday’s stock market session, shares of Punjab National Bank, or PNB, closed 0.32 percent lower at 94.25, down from 94.55 at the previous market close. During the Indian stock market’s afternoon session, the state-owned bank revealed its fourth-quarter earnings.
around the past five years, PNB shares have provided stock market investors with returns on their investment of around 221%. But over the past year, the shares have dropped 23.14 percent.
During 2025, the shares fell 8.44% year-to-date (YTD). According to BSE data, PNB shares reached their 52-week high on June 3, 2024, at ₹138.50, and their 52-week low on March 4, 2025, at ₹85.50.
Should you buy?
According to Seema Srivastava, Senior Research Analyst at SMC GlobalSecurities, PSU Bank’s fourth-quarter results showed consistent performance, and long-term investors should still expect a strong outlook for the stock due to the company’s increasing profitability and asset quality.
PNB is demonstrating a significant comeback, as evidenced by rising asset quality and profitability. The prognosis is favorable for long-term investors, but Srivastava noted that cost containment and ongoing margin pressure would be crucial areas to monitor in the next quarter.
The stock has failed to hold the breakthrough above the ₹100 to ₹102 zone, causing a long liquidation, according to Anshul Jain, Head of Research at Lakshmishree Investment and Securities. Investors were advised not to make any investments till the stock returned to the ₹102 levels by the stock market expert.
A lengthy liquidation resulted from PNB’s failure to hold above the ₹100 to ₹102 zone, where it tried a breakout. The recent increase in volume indicates selling pressure, given volumes were low during the base. A bear trap could be formed from this failed breakout, with negative targets in the ₹88 to ₹90 range. Caution is advised since momentum favors selling in the short term unless the stock reclaims ₹102 with vigor, according to Jain.
