J&K Bank
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J&K Bank share price

The Jammu & Kashmir Bank Ltd.

NSE: J&KBANK BSE: 532209 SECTOR: Bank - Private  1.23 L   436   101

102.13
+0.22 (0.22%)
NSE: Today, 11:14 AM

Price Summary

Today's High

₹ 103.26

Today's Low

₹ 101.46

52 Week High

₹ 117.25

52 Week Low

₹ 86.61

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 11246.38 Cr.

CASA %

47.01

No. of Shares

110.12 Cr.

P/E

5.23

P/B

0.83

Face Value

₹ 1

Div. Yield

2.1 %

Book Value (TTM)

₹  122.98

Net Interest Income

₹ 5793.82 Cr.

Cost To Income %

57.73

Promoter Holding

59.4 %

EPS (TTM)

₹  19.54

CAR %

0

ROE

17.37 %

ROCE

20.39%

Profit Growth

17.84 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year17.37%
3 Year16.87%
5 Year13.21%

ROA%

1 Year1.29%
3 Year1.11%
5 Year0.82%

Net NPA%

1 Year0%
3 Year0.8%
5 Year1.57%

 NIM

1 Year3.73%
3 Year3.77%
5 Year3.66%

CAR %

0

Cost of Liabilities %

4.4663

PEG Ratio

0.29

Advances Growth %

11.1305

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 59.40 0.00
Mar 2025 59.40 0.00
Dec 2024 59.40 0.00
Sep 2024 59.40 0.00
Jun 2024 59.40 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.8678666666667%.
  • The company has been consistently maintaining a NIM of 3.7668% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.803333333333333%.
  • CASA stands at 47.0106% of total deposits.
  • The company has delivered good Profit growth of 60.7252707857837% over the past 3 years.

 Limitations

  • Low other Income proportion of 9.06847897109278%.
  • High Cost to income ratio of 57.7269%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 2994.38 3123.55 3206.08 3211.85 3268.27
Other Income 194.1 296.08 242.32 404.31 250.3
Interest Expended 1625.16 1687.62 1697.4 1731.86 1802.84
Operating Expenses 968.65 945.02 1002.89 1084.28 1042.89
Total Provisions -17.48 32.53 -9.8 -9.16 15.09
Profit Before Tax 612.15 754.46 757.91 809.18 657.75
Tax 196.66 203.54 226.4 224.64 172.91
Net Profit 415.49 550.92 531.51 584.54 484.84
Net NPA % 0.76 0.85 0.94 0.79 0.82
Gross NPA % 3.91 3.95 4.08 3.37 3.5
Return on Assets % 1.08 1.41 1.34 1.44 1.17
NPM % 13.88 17.64 16.58 18.2 14.83

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 8111.09 8013.48 9355.11 11212.36 12535.86
Other Income 692.08 744.01 756.81 825.48 1136.81
Interest Expended 4340.31 4102.25 4609.83 6008.68 6742.04
Operating Expenses 2878.54 3592.78 3643.6 3752.29 4000.84
Total Provisions 1050.24 319.76 74.13 -107.69 -3.91
Profit Before Tax 534.07 742.7 1784.36 2384.57 2933.7
Taxes 101.95 241.14 586.98 617.3 851.24
Net Profit 432.12 501.56 1197.38 1767.27 2082.46
Adjusted EPS (Rs.) 6.06 5.38 11.61 16.05 18.91

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 71.36 93.3 103.16 110.13 110.13
Total Reserves 6754.25 7920.36 9840.08 12125.55 14141.81
Deposits 108061.15 114710.38 122037.74 134776.32 148569.46
Borrowings 2015.2 2370.82 2892.31 2885 2382.84
Other Liabilities 3389.99 5414.05 11088.98 4629.59 4264.22
Total Liabilities 120291.95 130602.41 145962.26 154526.59 169468.47
Assets
Balance with RBI 3685.33 7750.2 7794.06 7250.08 7385.48
Balance with Banks 5812.26 1034.84 1084.6 927.4 2374.37
Investments 30814.24 33834.99 34829.15 34986.71 41212.66
Advances 66841.73 70400.68 82285.45 93762.51 104198.72
Net Block 1970.99 1907.25 2224.22 2207.98 2125.67
Other Assets 11125.97 15628.02 17697.45 15342.41 12106.02
Total Assets 120291.95 130602.41 145962.26 154526.59 169468.47
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 59.40 59.40 59.40 59.40 59.40
chief secretary jammu and... 51.89 51.89 51.89 51.89 51.89
finance secretary ut lada... 4.16 4.16 4.16 4.16 4.16
secretary finance deptt j... 3.35 3.35 3.35 3.35 3.35
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 40.60 40.60 40.60 40.60 40.60
bowhead india fund - - 1.43 1.56 1.60
investor education and pr... - - 0.22 0.22 0.22
kotak mahindra trustee co... - - - - 3.27
life insurance corporatio... 1.33 1.33 1.33 1.33 1.33
mukul mahavir agrawal - - - - 1.27
sanjeev arora . - - 1.22 1.22 1.22
kotak mahindra trustee co... - 2.91 3.27 3.27 -
investor education and pr... 0.22 0.22 - - -
sanjeev arora 1.22 1.22 - - -
kotak india eq contra fun... 2.01 - - - -

Annual Reports

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Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

J&K Bank Stock Price Analysis and Quick Research Report. Is J&K Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

J&K Bank stock price today is Rs 102.13. Let’s look at how J&K Bank is performing and if it is the right time to buy the stock of J&K Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. J&K Bank has earned Rs 12535.863 Cr. revenue in the latest financial year. J&K Bank has posted outstanding revenue growth of 16.0852734170044 % in last 3 Years.

  • In terms of advances, J&K Bank reported 11.1305 % YOY,  rise . If you see 3 years advance growth, it stands at 13.9624697810155 %.

  • Currently, J&K Bank has a CASA ratio of 47.0106 %. It’s overall cost of liability stands at 4.4663 %. Also, the total deposits of J&K Bank from these accounts stood at Rs 148569.4591 Cr.

  • J&K Bank has a healthy ROA track record. The ROA of J&K Bank is at 1.2855 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 0 % and 0 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -96.369562492165 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of J&K Bank surged and is currently at Rs 1136.8121 Cr.

  • J&K Bank has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently J&K Bank is trading at a P/B of 0.8278 . The historical average PB of J&K Bank was 0.69033417373743.

  • Share Price: - The current share price of J&K Bank is Rs 102.13. One can use valuation calculators of ticker to know if J&K Bank share price is undervalued or overvalued.

Last Updated on:
Brief about J&K Bank
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