Long Term Public Bank Stocks

The table below shows the long-term public bank stocks based on the Highest Market Capitalization.

What is Long Term Public Bank Stock?

Long-term public bank stocks refer to investments in publicly traded banks held over an extended period. These stocks are chosen for their potential to deliver consistent growth and dividends, leveraging the stability and profitability of established financial institutions, which benefit from regulatory oversight, diverse revenue streams, and economic resilience.

Features of Long Term Public Bank Stocks

The main features of long-term public bank stocks include their ability to generate steady dividends over time, reflecting the bank’s profitability and financial stability.

1. Capital Appreciation Potential: Over the long term, public bank stocks can increase in value, offering investors the potential for significant capital gains.

2. Stable Earnings: Public banks typically have stable earnings due to their diversified income streams, including interest income, fees, and trading profits.

3. Regulatory Oversight: Being under stringent regulatory scrutiny ensures that public banks maintain sound financial practices and risk management.

4. Market Liquidity: Public bank stocks are often highly liquid, making it easier for investors to buy and sell shares without significant price fluctuations.

5. Economic Indicators: The performance of public bank stocks can serve as a barometer for the overall health of the economy, given their integral role in financial markets.

Best Long Term Public Bank Stocks

The table below shows the best long-term public bank stocks based on the highest day Volume.

Top Long Term Public Bank Stocks

The table below shows the top long-term public bank stocks based on the PE Ratio. 

Long Term Public Bank Stocks List

The table below shows the long term public bank stock list based on 1 Year Return. 

Factors To Consider When Investing In Long Term Public Bank Stocks

The primary factors to consider when investing in long-term public bank stocks include assessing the bank’s financial health, which involves examining its balance sheet, income statement, and key financial ratios to ensure the bank is stable and profitable.

1. Regulatory Environment: Analyze the regulatory landscape and how changes might impact the bank’s operations and profitability.

2. Economic Conditions: Consider the broader economic conditions, as banks are heavily influenced by economic cycles, interest rates, and inflation.

3. Credit Quality: Evaluate the quality of the bank’s loan portfolio to understand the risk of defaults and the potential for loan losses.

4. Management Team: Assess the experience and track record of the bank’s management team, as effective leadership is crucial for long-term success.

5. Dividend Policy: Look at the bank’s dividend history and policy to determine the potential for income generation and the consistency of dividend payouts.

How To Invest In Long Term Public Bank Stocks?

To invest in long-term public bank stocks, assess the bank’s financial stability, asset quality, and regulatory compliance. Review its market position, management effectiveness, and growth potential. Open an account with a reliable stockbroker. For a smooth start, complete your KYC with Alice Blue: Open Account.

Advantages Of Investing In Long Term Public Bank Stocks?

The main advantages of investing in long-term public bank stocks include the potential for steady dividends, and providing a reliable income stream for investors.

1. Capital Appreciation: Over time, bank stocks can increase in value, offering potential capital gains.

2. Financial Stability: Public banks are typically well-regulated, ensuring a stable investment environment.

3. Economic Indicator: Banks often reflect the health of the economy, giving investors insight into broader economic trends.

4. Professional Management: Banks are managed by experienced professionals, which can enhance operational efficiency and profitability.

5. Liquidity: Public bank stocks are usually highly liquid, allowing investors to buy and sell with ease.

Risks Of Investing In Long Term Public Bank Stocks?

The risk of investing in long-term public bank stocks primarily revolves around the inherent volatility and unpredictability of the banking sector, which can significantly impact stock performance and investor returns over time. 

1. Economic Downturns: Economic recessions and downturns can severely affect banks’ profitability and stock prices.

2. Regulatory Changes: Changes in banking regulations can introduce new compliance costs or restrict profitable activities.

3. Interest Rate Fluctuations: Variability in interest rates can impact banks’ net interest margins and profitability.

4. Credit Risk: Banks face the risk of loan defaults, which can affect their financial health and stock value.

5. Technological Disruptions: Advances in fintech and digital banking can disrupt traditional banking models and affect long-term growth prospects.

Introduction to Long Term Public Bank Stocks

State Bank of India

The Market Cap of the State Bank of India is Rs. 767293.51 crores. The stock’s monthly return is 2.52%. Its one-year return is 44.48%. The stock is 6.52% away from its 52-week high.

State Bank of India is an India-based banking and financial services provider. The Company is engaged in providing a wide range of products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers. The Company’s segments include Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Business. 

The Treasury segment includes investment portfolios and trading in foreign exchange contracts and derivative contracts. The Corporate/Wholesale Banking segment comprises the lending activities of the corporate accounts group, commercial clients group, and stressed assets resolution group. These include providing loans and transaction services to corporate and institutional clients and further include non-treasury operations of foreign offices/entities.  

Bank of Baroda Ltd

The Market Cap of Bank of Baroda Ltd is Rs. 141591.90 crore. The stock’s monthly return is -0.40%. Its one-year return is 29.30%. The stock is 13.95% away from its 52-week high.

The Bank of Baroda Limited is engaged in providing banking and financial services in India. Its segments include Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations. Its geographical segment includes Domestic Operations and Foreign Operations. 

It offers personal banking services, which include savings accounts, current accounts, and term deposits. It provides a range of digital products, which includes instant banking, such as Internet banking, mobile banking, cards, WhatsApp banking, digital signage systems (DSS), self-service passbook printers, and automated teller machines (ATMs). It offers a range of loans, such as home loans, personal loans, vehicle loans, fintech, education loans, and gold loans.  

Punjab National Bank

The Market Cap of Punjab National Bank is Rs 135,215.27 crore. The stock’s monthly return is -2.90%. Its one-year return is 100.45%. The stock is 17.64% away from its 52-week high.

Punjab National Bank (the Bank) is an India-based bank. The Bank’s segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Bank’s product categories include personal, corporate, international, and capital services. 

Its personal products include deposits, loans, approved housing projects, applying for OTS in NPA, accounts, insurance, government business, financial inclusion, and priority sector. Its corporate products include corporate loans, forex services offered to exporters and importers, cash management services, and gold card schemes for exporters. Its international products include the FX retail platform, LIBOR transition, schemes/products/services, NRI services, help desk for forex services, world travel card, foreign office details, trade finance redefined portal, and outward remittance under LRS. 

Indian Overseas Bank

The market capitalization of Indian Overseas Bank is Rs 119,066.29 crores. The stock’s monthly return is -6.96%. Its one-year return is 134.53%. The stock is 34.75% away from its 52-week high.

Indian Overseas Bank (the Bank) is engaged in the business of banking. The Bank’s segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Banks operations consist of domestic deposits; domestic advances; foreign exchange operations; investments; micro, small, and medium enterprises, including the MUDRA Loan Scheme; retail banking, including Arogya Mahila Savings Bank Accounts; Mid Corporate department; agricultural credit portfolio; loans to small and marginal farmers; loans to non-corporate farmers and microfinance. 

Its personal banking services include savings bank, current accounts, term deposits, retail loans, and mortgages and depository services. It offers merchant banking for issues, debenture trustees, dividend/interest warrants, and others. It also offers Internet and mobile banking services. Its overseas branches with operations in Singapore, Colombo, Hong Kong, and Bangkok.

Canara Bank Ltd

The Market Cap of Canara Bank Ltd is Rs. 106,815.99 crore. The stock’s monthly return is -2.40%. Its one-year return is 72.14%. The stock is 12.10% away from its 52-week high.

The Canara Bank Limited (the Bank) is an India-based bank. The Bank’s segments include Treasury Operations, Retail Banking Operations, Wholesale Banking Operations, Life Insurance Operations, and Other Banking Operations. The Bank’s diversified products and services include personal banking and corporate banking. 

Its personal banking includes depository services, mutual funds, ancillary services, technology products, retail loan products, micro, small, and medium enterprise loan products, and card services, among others. Its corporate banking includes accounts and deposits, supply chain finance management, syndication services and technology upgradation fund schemes, among others.  

Union Bank of India Ltd

The Market Cap of Union Bank of India Ltd is Rs. 103610.93 crores. The stock’s monthly return is -8.71%. Its one-year return is 67.57%. The stock is 27.09% away from its 52-week high.

Union Bank of India Ltd. is an India-based banking company. The Company’s segments include Treasury Operations, Corporate and Wholesale Banking, Retail Banking Operations, and Other Banking Operations. The Treasury Operations segment provides a range of account options including savings and current accounts, term and recurring deposits, and demat and online trading accounts. 

The Corporate and Wholesale Banking segment offers a range of services including, but not limited to, trade finance, working capital, lines of credit, project financing, and channel finance. It assists with debt structuring/restructuring, loan syndication, structured finance, mergers and acquisition advisory, and private equity services. The Retail Banking Operations segment offers mutual funds and various insurance products, such as life, non-life, health, and general insurance.  

Indian Bank

The Market Cap of the Indian Bank is Rs. 72,581.15 crore. The stock’s monthly return is -0.02%. Its one-year return is 69.65%. The stock is 20.29% away from its 52-week high.

Indian Bank is engaged in the business of banking and financial services. The Company’s segments include Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Businesses. The Treasury Segment includes the entire investment portfolio and trading in foreign exchange contracts and derivative contracts. 

The Corporate / Wholesale Banking segment comprises the lending activities of the corporate accounts group, commercial clients group, and stressed asset resolution group. These include providing loans and transaction services to corporate and institutional clients, as well as non-treasury operations of foreign offices. The Company’s Retail Banking Segment is subdivided into digital banking and other retail banking segments.  

UCO Bank

The Market Cap of UCO Bank is Rs. 65,207.80 crores. The stock’s monthly return is -4.82%. Its one-year return is 89.14%. The stock is 30.83% away from its 52-week high.

UCO Bank is an India-based commercial bank. The Company operates through four segments: Treasury Operations, Corporate Banking Operations, Retail Banking Operations, and Other Banking Operations. The Bank offers corporate banking, international banking, government business, and rural banking services. 

The Bank’s corporate banking includes debt/ foremost, credit growth, deposits, and value-added services; international banking includes non-resident Indian (NRI) banking, foreign currency loans, finance/export to exporters services, finance/finance to importers services, remittances, foreign exchange and treasury services, resident foreign exchange (domestic) deposits, contact banking services; rural banking includes agriculture credit, financial inclusion and MSME.  

Bank of India Ltd

The Market Cap of Bank of India Ltd is Rs. 54,836.88 crore. The stock’s monthly return is -2.42%. Its one-year return is 54.56%. The stock is 30.60% away from its 52-week high.

Bank of India Limited (the Bank) is an India-based bank. Its segments include Treasury Operations, Wholesale Banking Operations, and Retail Banking Operations. The Treasury Operations segment includes the investment portfolio, such as dealing in government and other securities, money market operations, and forex operations. 

Central Bank of India Ltd

The Market Cap of Central Bank of India Ltd is Rs. 53,978.08 crores. The stock’s monthly return is -5.24%. Its one-year return is 101.63%. The stock is 24.23% away from its 52-week high.

Central Bank of India Limited is an India-based commercial bank. The Company offers various banking services, including digital banking; deposits; retail loans; agriculture; services for micro, small, and medium enterprises; corporate loans; services for non-resident Indians; and services for pensioners.  

Its deposit services include savings bank accounts, current accounts, time deposits, recurring deposit schemes, small saving schemes, and interest rates on deposits. Its Retail Banking services include housing loans, vehicle loans, education loans, personal/gold loans, loans to senior citizens, and loans against property-personal needs.  

Long Term Public Bank Stocks – FAQs

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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.