AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%

Compare Watch

BOP

STRONG BUY

The Bank of Punjab

Commercial Banks · 0.36% of the KSE-100

Price

Rs 138.72

Market cap

Rs 38.6bn

12-month return

-11.7%

Rank

9 of 101

69composite

Rule-based57

ML ranker92

Conviction90

Why the engine ranks it here

The Bank of Punjab (BOP) screens as one of the most attractive names in the KSE-100 right now, ranking 9 of 101 on a composite score of 69/100.

The Bank of Punjab sits in the Commercial Banks sector and scores best on valuation (64/100), weakest on price trend (35/100). At PKR 138.72 the shares trade on a P/E of 0.4x, 0.10x book, a 60.0% dividend yield. The Piotroski F-Score is 4 of 9 (mixed) and the Altman Z''-Score is not applicable to financials.

What it does well

BOP earns 29.3% on shareholders' money, well ahead of its Commercial Banks peers.

Profitability & earnings quality

BOP reports conservative accruals at -175.4% of assets.

Profitability & earnings quality

BOP returns 15.5% on invested capital.

Profitability & earnings quality

What holds it back

BOP is stretched at -0.8x net debt to EBITDA.

Balance-sheet strength

BOP has lagged the KSE-100 by -22.6% over six months.

Price trend

BOP is volatile at 37.0% annualised.

Price trend

What would change this view

→ the price reclaiming its 200-day average on rising volume

Five-pillar breakdown

Each pillar scores the company against sector peers, where 50 is the sector average.

Profitability & earnings quality30% weight62

Valuation25% weight64

Balance-sheet strength20% weight47

Growth15% weight61

Price trend10% weight35

The classic screens

Piotroski tests nine accounting facts about improvement; Altman scores the distance from financial distress.

Piotroski F-Score

4 / 9

mixed · 4 of 9 tests passed

Altman Z''-Score

n/a

Not applicable to banks and insurers

Profitable on assets

ROA 2.3%

Cash generative

CFO PKR 7,884,880m

Returns improving

ROA 2.3% vs 2.4% a year ago

Earnings backed by cash

CFO PKR 7,884,880m vs profit PKR 103,864m

Deleveraging

debt/assets 0.07 vs 0.07

Capital strengthening

equity/assets 8.0% vs 8.0%

Spread widening

net margin 21.9% vs 24.1%

Balance sheet productivity

revenue/assets 0.100 vs 0.100

No shareholder dilution

279m shares vs 279m

Price history

Weekly closes. Beta 0.83 against the index, annualised volatility 37%, RSI 51.

+54.1% over this window

Reported accounts

The last twelve quarters as filed, in PKR millions. The publication date is what the engine uses to decide when a figure became knowable.

Quarter	Revenue	Gross profit	Operating	Net income	EPS	Filed
2025 Q4	Rs 126.7bn	Rs 78.6bn	Rs 38.9bn	Rs 27.4bn	98.34	2026-04-30
2025 Q3	Rs 118.6bn	Rs 73.5bn	Rs 36.4bn	Rs 26.1bn	93.76	2025-11-14
2025 Q2	Rs 125.0bn	Rs 77.5bn	Rs 38.4bn	Rs 27.3bn	98.06	2025-08-14
2025 Q1	Rs 122.2bn	Rs 75.7bn	Rs 37.5bn	Rs 26.5bn	95.20	2025-05-15
2024 Q4	Rs 107.7bn	Rs 66.8bn	Rs 33.1bn	Rs 23.9bn	85.78	2025-04-30
2024 Q3	Rs 103.2bn	Rs 64.0bn	Rs 31.7bn	Rs 24.3bn	87.33	2024-11-14
2024 Q2	Rs 107.8bn	Rs 66.8bn	Rs 33.1bn	Rs 26.1bn	93.76	2024-08-14
2024 Q1	Rs 104.4bn	Rs 64.7bn	Rs 32.1bn	Rs 25.0bn	89.90	2024-05-15
2023 Q4	Rs 97.1bn	Rs 60.2bn	Rs 29.8bn	Rs 24.1bn	86.47	2024-04-29
2023 Q3	Rs 100.7bn	Rs 62.4bn	Rs 30.9bn	Rs 25.4bn	91.20	2023-11-14
2023 Q2	Rs 106.4bn	Rs 66.0bn	Rs 32.7bn	Rs 26.2bn	94.08	2023-08-14
2023 Q1	Rs 99.8bn	Rs 61.9bn	Rs 30.7bn	Rs 24.0bn	86.21	2023-05-15

Ranked against Commercial Banks

Every peer in the same sector, ordered by composite score. These are the companies whose ratios set this one's z-scores.

BOPThe Bank of Punjab0.4x69

HBLHabib Bank Limited1.2x65

UBLUnited Bank Limited0.5x56

FABLFaysal Bank Limited1.3x54

SNBLSoneri Bank Limited1.5x50

JSBLJS Bank Limited1.2x46

MCBMCB Bank Limited0.7x45

BAFLBank Alfalah Limited0.4x45

MEBLMeezan Bank Limited1.0x41

BAHLBank AL Habib Limited0.2x39

NBPNational Bank of Pakistan1.9x37

AKBLAskari Bank Limited1.7x35

Scored as of 31 December 2025. Generated by an automated screen for research and educational use. Not investment advice, and not a substitute for a SECP-licensed adviser.