Punjab National Bank [PNB] vs Indian Overseas Bank [IOB] Detailed Stock Comparison

Punjab National Bank

NSE
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Indian Overseas Bank

NSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Punjab National Bank wins in 11 metrics, Indian Overseas Bank wins in 6 metrics, with 0 ties. Punjab National Bank appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Punjab National Bank Indian Overseas Bank Better
P/E Ratio (TTM) 7.30 14.39 Punjab National Bank
Price-to-Book Ratio 0.87 1.99 Punjab National Bank
Debt-to-Equity Ratio 0.04 1.31 Punjab National Bank
PEG Ratio 0.56 0.20 Indian Overseas Bank
Profit Margin (TTM) 34.67% 34.41% Punjab National Bank
Operating Margin (TTM) 29.41% 38.39% Indian Overseas Bank
EBITDA Margin (TTM) 29.41% 38.39% Indian Overseas Bank
Return on Equity 12.71% 15.34% Indian Overseas Bank
Return on Assets (TTM) 0.95% 1.19% Indian Overseas Bank
Free Cash Flow (TTM) $204.74B $22.36B Punjab National Bank
Dividend Yield 245.87% N/A N/A
1-Year Return 0.25% -11.01% Punjab National Bank
Price-to-Sales Ratio (TTM) 2.53 4.73 Punjab National Bank
Enterprise Value $1,335.70B $1,035.52B Punjab National Bank
EV/Revenue Ratio 2.60 7.19 Punjab National Bank
Revenue per Share (TTM) $45 $7 Punjab National Bank
Earnings per Share (Diluted) $15.49 $2.46 Punjab National Bank
Beta (Stock Volatility) 0.61 0.26 Indian Overseas Bank

Punjab National Bank vs Indian Overseas Bank Stock Performance Analysis

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PNB
IOB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Punjab National Bank1.01%2.13%5.79%-2.71%-9.08%-12.89%
Indian Overseas Bank1.41%3.45%0.15%5.06%-8.47%-6.75%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Punjab National Bank0.25%107.33%165.21%12.98%-49.10%62.58%
Indian Overseas Bank-11.01%39.04%69.39%22.23%-77.66%-59.26%

Performance & Financial Health Analysis: Punjab National Bank vs Indian Overseas Bank

MetricPNBIOB
Market Information
Market Cap i₹1.30T₹676.68B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i16,538,1904,885,831
90 Day Avg. Volume i19,300,8876,595,254
Last Close₹107.96₹33.84
52 Week Range₹98.50 - ₹135.15₹31.20 - ₹41.80
% from 52W High-20.12%-19.04%
All-Time High₹279.98 (Nov 08, 2010)₹227.45 (Jan 07, 2008)
% from All-Time High-61.44%-85.12%
Growth Metrics
Quarterly Revenue Growth0.15%0.16%
Quarterly Earnings Growth0.03%0.63%
Financial Health
Profit Margin (TTM) i0.35%0.34%
Operating Margin (TTM) i0.29%0.38%
Return on Equity (TTM) i0.13%0.15%
Debt to Equity (MRQ) i0.041.31
Cash & Liquidity
Book Value per Share (MRQ)₹129.58₹17.75
Cash per Share (MRQ)₹2.09₹7.16
Operating Cash Flow (TTM) i₹148.37B₹32.13B
Levered Free Cash Flow (TTM) i₹184.80B₹33.96B
Dividends
Last 12-Month Dividend Yield i245.87%N/A
Last 12-Month Dividend i₹253.20₹0.00

Valuation & Enterprise Metrics Analysis: Punjab National Bank vs Indian Overseas Bank

MetricPNB (Apr 26, 2026)IOB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.3014.39
Forward P/E i7.1239.32
PEG Ratio i0.560.20
Price to Sales (TTM) i2.534.73
Price to Book (MRQ) i0.871.99
Market Capitalization
Market Capitalization i₹1.30T₹676.68B
Enterprise Value i₹1.34T₹1.04T
Enterprise Value Metrics
Enterprise to Revenue i2.607.19
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.610.26
Book Value per Share (MRQ) i₹129.58₹17.75

Financial Statements Comparison: Punjab National Bank vs Indian Overseas Bank

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPNB (2025)IOB (2025)
Revenue/Sales i597.61B165.04B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i260.15B33.96B
Pre-Tax Income % of Revenue i43.5%20.6%
Income Tax i86.13B11.77B
Income Tax % of Revenue i14.4%7.1%
Net Income (Profit) i185.53B33.96B
Profit Margin i31.0%20.6%

Balance Sheet & Liquidity Metrics

MetricPNB (2025)IOB (2025)
Cash & Equivalents i1.51T212.20B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i719.99B402.82B
Long-Term Debt % of Revenue i120.5%244.1%
Total Shareholders Equity i1.34T322.33B
Retained Earnings i56.96B-125.38B
Retained Earnings % of Revenue i9.5%-76.0%
Property, Plant & Equipment i216.91B86.95B

Cash Flow Statement Comparison

MetricPNB (2025)IOB (2025)
Operating Cash Flow i148.37B32.13B
Operating Cash Flow % of Revenue i24.8%19.5%
Capital Expenditures i-15.86B-5.79B
Free Cash Flow i204.74B22.36B
FCF Margin i34.3%13.5%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPNBIOB
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i11.49B19.26B
Float Shares i3.44B1.46B
% Held by Insiders i70.08%92.44%
% Held by Institutions i18.48%4.14%
% Held by Public i11.44%3.42%

Dividend Analysis & Yield Comparison: Punjab National Bank vs Indian Overseas Bank

MetricPNBIOB
Last 12-Month Dividend i₹253.20₹0.00
Last 12-Month Dividend Yield i245.87%N/A
3-Year Avg Annual Dividend i₹84.83₹0.00
3-Year Avg Dividend Yield i62.23%N/A
3-Year Total Dividends i₹254.49₹0.00
Ex-Dividend DateJun 20, 2025N/A