{"id":187130,"date":"2026-08-06T12:24:53","date_gmt":"2026-08-06T06:54:53","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=187130"},"modified":"2026-08-06T12:24:54","modified_gmt":"2026-08-06T06:54:54","slug":"bank-of-baroda-vs-punjab-national-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/","title":{"rendered":"Bank of Baroda vs Punjab National Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Bank of Baroda MCap Rs 1,27,474 Cr, PE 6.93x, ROE 13.18%, PB 0.76. Punjab National Bank MCap Rs 1,30,675 Cr, PE 5.90x, ROE 15.13%, PB 0.90.<\/em><\/p>\n<p>Bank of Baroda vs Punjab National Bank is a comparison PSU bank investors look up when evaluating two of India&#8217;s largest public sector lenders. Bank of Baroda has a significant international presence through branches in over 17 countries and includes Vijaya Bank and Dena Bank after their merger in 2019, while Punjab National Bank is India&#8217;s second largest PSU bank by assets and also absorbed Oriental Bank of Commerce and United Bank in 2020.<\/p>\n<p>This Bank of Baroda vs Punjab National Bank article covers reach and market position, key products, latest declared results and stock valuation. The Bank of Baroda vs Punjab National Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Bank_of_Baroda_vs_Punjab_National_Bank_Reach_and_Market_Position\" title=\"Bank of Baroda vs Punjab National Bank: Reach and Market Position\">Bank of Baroda vs Punjab National Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Bank_of_Baroda_vs_Punjab_National_Bank_Key_Products_and_Business_Mix\" title=\"Bank of Baroda vs Punjab National Bank: Key Products and Business Mix\">Bank of Baroda vs Punjab National Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Bank_of_Baroda_vs_Punjab_National_Bank_Latest_Results\" title=\"Bank of Baroda vs Punjab National Bank: Latest Results\">Bank of Baroda vs Punjab National Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Bank_of_Baroda_vs_Punjab_National_Bank_Stock_and_Valuation\" title=\"Bank of Baroda vs Punjab National Bank: Stock and Valuation\">Bank of Baroda vs Punjab National Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Bank_of_Baroda_vs_Punjab_National_Bank_Quick_Comparison_Table\" title=\"Bank of Baroda vs Punjab National Bank: Quick Comparison Table\">Bank of Baroda vs Punjab National Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#What_is_the_main_difference_between_Bank_of_Baroda_and_PNB\" title=\"What is the main difference between Bank of Baroda and PNB?\">What is the main difference between Bank of Baroda and PNB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Which_bank_has_the_higher_ROE\" title=\"Which bank has the higher ROE?\">Which bank has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Which_bank_pays_a_higher_dividend\" title=\"Which bank pays a higher dividend?\">Which bank pays a higher dividend?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Do_PSU_banks_trade_below_book_value\" title=\"Do PSU banks trade below book value?\">Do PSU banks trade below book value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#What_risks_apply_to_PSU_banks\" title=\"What risks apply to PSU banks?\">What risks apply to PSU banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-baroda-vs-punjab-national-bank-comparison\/#Should_I_invest_in_Bank_of_Baroda_or_PNB\" title=\"Should I invest in Bank of Baroda or PNB?\">Should I invest in Bank of Baroda or PNB?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_vs_Punjab_National_Bank_Reach_and_Market_Position\"><\/span><strong>Bank of Baroda vs Punjab National Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Bank of Baroda side of the Bank of Baroda vs Punjab National Bank comparison, Bank of Baroda operates over 8,000 branches across India plus an international network in over 17 countries, serving retail, agricultural, corporate and NRI customers. Market capitalisation is Rs 1,27,474 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=bankbaroda-vs-pnb\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Punjab National Bank side of the Bank of Baroda vs Punjab National Bank comparison, Punjab National Bank operates over 10,000 branches across India, serving retail, agricultural, MSME and corporate customers through its merged entity including Oriental Bank of Commerce. Market capitalisation is Rs 1,30,675 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_vs_Punjab_National_Bank_Key_Products_and_Business_Mix\"><\/span><strong>Bank of Baroda vs Punjab National Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Bank of Baroda vs Punjab National Bank product comparison, Bank of Baroda offers: Bank of Baroda offers retail loans, agri credit, MSME loans, NRI banking and corporate credit. P\/E is 6.93x, ROE 13.18 percent, P\/B 0.76. Dividend yield is 3.45 percent.<\/p>\n<p>For Punjab National Bank in this Bank of Baroda vs Punjab National Bank breakdown: Punjab National Bank offers retail loans, agri credit, MSME loans and corporate credit across its large branch network. P\/E is 5.90x, ROE 15.13 percent, P\/B 0.90. Dividend yield is 2.64 percent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_vs_Punjab_National_Bank_Latest_Results\"><\/span><strong>Bank of Baroda vs Punjab National Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of Baroda vs Punjab National Bank results for Bank of Baroda: Bank of Baroda has a market cap of Rs 1,27,474 Cr and P\/E of 6.93x. ROE is 13.18 percent. The stock trades below book at P\/B of 0.76 with dividend yield of 3.45 percent.<\/p>\n<p>The Bank of Baroda vs Punjab National Bank results for Punjab National Bank: Punjab National Bank has a market cap of Rs 1,30,675 Cr and P\/E of 5.90x, slightly cheaper. ROE is 15.13 percent. P\/B is 0.90 and dividend yield is 2.64 percent.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Bank of Baroda and Punjab National Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_vs_Punjab_National_Bank_Stock_and_Valuation\"><\/span><strong>Bank of Baroda vs Punjab National Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of Baroda vs Punjab National Bank stock comparison uses the latest available market data from Groww. Investors tracking Bank of Baroda vs Punjab National Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>Bank of Baroda trades at a market cap of Rs 1,27,474 Cr and P\/E of 6.93x, below book value at P\/B of 0.76, with a 3.45 percent dividend yield. Punjab National Bank trades at Rs 1,30,675 Cr market cap and P\/E of 5.90x, slightly cheaper, with a higher ROE of 15.13 percent. Both PSU banks trade at cheap multiples compared to private sector peers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_vs_Punjab_National_Bank_Quick_Comparison_Table\"><\/span><strong>Bank of Baroda vs Punjab National Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of Baroda vs Punjab National Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/bankbaroda\/bank-of-baroda-share-price-today\">Bank of Baroda<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/pnb\/punjab-national-bank-share-price-today\">Punjab National Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">PSU bank<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">PSU bank<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 1,27,474 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 1,30,675 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">6.93x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">5.90x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">13.18%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">15.13%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.76<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.90<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.45%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.64%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Merged entities<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Vijaya Bank and Dena Bank (2019)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Oriental Bank of Commerce and United Bank (2020)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">International presence<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">17-plus countries<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Limited international presence<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of Baroda vs Punjab National Bank comparison above covers the key data points on reach, products, results and valuation. Bank of Baroda vs Punjab National Bank are two of India&#8217;s largest PSU banks trading at cheap multiples below or near book value. PNB has a higher ROE at a slightly cheaper P\/E. Bank of Baroda has a significant international presence and a higher dividend yield. Investors should review NPA resolution progress, credit cost and NIM trends and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bank of Baroda and Punjab National Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Bank_of_Baroda_and_PNB\"><\/span><strong>What is the main difference between Bank of Baroda and PNB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Baroda has an extensive international network in 17-plus countries and absorbed Vijaya Bank and Dena Bank. PNB is India&#8217;s second largest PSU bank by assets, having absorbed Oriental Bank of Commerce and United Bank.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB trades at 5.90x trailing earnings, slightly cheaper than Bank of Baroda at 6.93x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_bank_has_the_higher_ROE\"><\/span><strong>Which bank has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB has an ROE of 15.13 percent, higher than Bank of Baroda at 13.18 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_bank_pays_a_higher_dividend\"><\/span><strong>Which bank pays a higher dividend?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Baroda pays a dividend yield of 3.45 percent, higher than PNB at 2.64 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_PSU_banks_trade_below_book_value\"><\/span><strong>Do PSU banks trade below book value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Bank of Baroda trades at P\/B of 0.76, below book value. PNB trades at P\/B of 0.90, near book.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_PSU_banks\"><\/span><strong>What risks apply to PSU banks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both banks face risk from public sector credit quality, government policy on priority sector lending, NPA cycles and competition from private sector banks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Bank_of_Baroda_or_PNB\"><\/span><strong>Should I invest in Bank of Baroda or PNB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both are cheap PSU banks below or near book value. PNB has higher ROE, Bank of Baroda has international presence and a higher dividend. Review asset quality and NIM and consult a SEBI-registered advisor before investing.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of Baroda vs Punjab National Bank compared on loan book, asset quality, ROE and valuation. 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