Punjab National Bank vs Union Bank of India
An objective side-by-side of PNB and UNIONBANK, both in Banks - Public Sector: valuation, profitability, growth, balance sheet, ownership and share-price performance. Where one number is clearly better on its own terms (lower P/E, higher ROE), it is shaded. That is a description, not a recommendation.
Prices as of 2026-09-29 close
Latest results: PNB Jun 2026 · UNIONBANK Jun 2026
At a glance
- Punjab National Bank is the larger company by market value, about 1.0 times the size of Union Bank of India.
- On trailing earnings, Punjab National Bank trades at the lower P/E (5.8 against 6.1).
- Union Bank of India earns the higher return on equity (15.5% against 14.7%).
- Over three years Punjab National Bank has grown profits faster (76% a year against 32%).
- Over the past year the share prices returned -1.5% (PNB) and +18.4% (UNIONBANK).
| Metric | Punjab National PNB |
Union Bank UNIONBANK |
|---|---|---|
| Size and price | ||
| Market cap | ₹128,434 Cr | ₹126,718 Cr |
| Share price | ₹111.75 | ₹166.00 |
| Valuation | ||
| P/E | 5.81 | 6.14 |
| P/B | 0.86 | 0.95 |
| PEG | 0.08 | 0.19 |
| Dividend yield | 2.7% | 3.0% |
| Profitability | ||
| ROE | 14.7% | 15.5% |
| Operating margin | 10.2% | 11.5% |
| Sales (TTM) | ₹149,418 Cr | ₹129,552 Cr |
| Net profit (TTM) | ₹22,094 Cr | ₹20,644 Cr |
| Growth | ||
| Latest quarter sales YoY | -0.1% | +1.0% |
| Latest quarter profit YoY | +168.3% | +27.4% |
| Sales CAGR 3Y | +15.0% | +10.0% |
| Profit CAGR 3Y | +76.0% | +32.0% |
| Sales CAGR 5Y | +10.0% | +9.0% |
| Profit CAGR 5Y | +48.0% | +47.0% |
| Financial strength | ||
| Gross NPA (banks) | 2.8% | 2.7% |
| Ownership | ||
| Promoter holding | 70.1% | 74.8% |
| Promoter change (4 qtrs) | +0.00 pp | +0.00 pp |
| Price performance | ||
| Return 1M | -3.16% | -10.75% |
| Return 3M | +3.91% | -5.08% |
| Return 1Y | -1.48% | +18.40% |
| Return YTD | -9.57% | +7.96% |
| Technical condition | ||
| Technical score | 30 | 22 |
| RS rating (1-99) | 55.00 | 57.00 |
| % vs 200-DMA | -2.34% | -4.50% |
| RSI (14) | 37.22 | 29.75 |
| % from 52-week high | -17.31% | -19.22% |
