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  119k   431   99

104.80
-2.50 (-2.33%)
BSE: 13 Jun 04:01 PM

Price Summary

Today's High

₹ 105.85

Today's Low

₹ 103.85

52 Week High

₹ 123.8

52 Week Low

₹ 82.01

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.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 11540.39 Cr.

CASA %

50.51

No. of Shares

110.12 Cr.

P/E

5.54

P/B

0.81

Face Value

₹ 1

Div. Yield

2.05 %

Book Value (TTM)

₹  129.42

Net Interest Income

₹ 5203.69 Cr.

Cost To Income %

62.24

Promoter Holding

59.4 %

EPS (TTM)

₹  18.91

CAR %

15.42

ROE

18.01 %

ROCE

19.37%

Profit Growth

47.59 %

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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

Track the companies of Group.

Ratios

ROE%

1 Year18.01%
3 Year13.67%
5 Year5.74%

ROA%

1 Year1.18%
3 Year0.81%
5 Year0.35%

Net NPA%

1 Year0.79%
3 Year1.63%
5 Year2.27%

 NIM

1 Year3.8%
3 Year3.68%
5 Year3.67%

CAR %

15.42

Cost of Liabilities %

4.3649

PEG Ratio

0.14

Advances Growth %

13.9479

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 59.40 0.00
Dec 2024 59.40 0.00
Sep 2024 59.40 0.00
Jun 2024 59.40 0.00
Mar 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 13.6671333333333%.
  • The company has been consistently maintaining a NIM of 3.67573333333333% since last 3 years.
  • CASA stands at 50.5084% of total deposits.
  • Good Capital Adequacy Ratio of 15.42%.
  • The company has delivered good Profit growth of 59.9182487138525% over the past 3 years.

 Limitations

  • Low other Income proportion of 7.36222107271721%.
  • High Cost to income ratio of 62.2356%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 2910.18 2994.38 3123.55 3206.08 3211.85
Other Income 224.56 194.1 296.08 242.32 404.31
Interest Expended 1604.06 1625.16 1687.62 1697.4 1731.86
Operating Expenses 866.85 968.65 945.02 1002.89 1084.28
Total Provisions -165.05 -17.48 32.53 -9.8 -9.16
Profit Before Tax 828.88 612.15 754.46 757.91 809.18
Tax 190.21 196.66 203.54 226.4 224.64
Net Profit 638.67 415.49 550.92 531.51 584.54
Net NPA % 0.79 0.76 0.85 0.94 0.79
Gross NPA % 4.08 3.91 3.95 4.08 3.37
Return on Assets % 1.69 1.08 1.41 1.34 1.44
NPM % 21.95 13.88 17.64 16.58 18.2

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 8446.29 8111.09 8013.48 9355.11 11212.36
Other Income 545.92 692.08 744.01 756.81 825.48
Interest Expended 4739.62 4340.31 4102.25 4609.83 6008.68
Operating Expenses 2727.54 2878.54 3592.78 3643.6 3752.29
Total Provisions 2625.1 1050.24 319.76 74.13 -107.69
Profit Before Tax -1100.05 534.07 742.7 1784.36 2384.57
Taxes 39.36 101.95 241.14 586.98 617.3
Net Profit -1139.41 432.12 501.56 1197.38 1767.27
Adjusted EPS (Rs.) -15.97 6.06 5.38 11.61 16.05

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 71.36 71.36 93.3 103.16 110.13
Total Reserves 6322.12 6754.25 7920.36 9840.08 12125.55
Deposits 97788.23 108061.15 114710.38 122037.74 134774.89
Borrowings 2019.58 2015.2 2370.82 2892.31 2885
Other Liabilities 2670.81 3389.99 5414.05 11088.98 4631.01
Total Liabilities 108872.1 120291.95 130602.41 145962.26 154526.59
Assets
Balance with RBI 2947.48 3685.33 7750.2 7794.06 7250.08
Balance with Banks 6835.35 5812.26 1034.84 1084.6 927.4
Investments 23052.24 30814.24 33834.99 34829.15 34986.71
Advances 64399.07 66841.73 70400.68 82285.45 93762.51
Net Block 2035.7 1970.99 1907.25 2224.22 2207.98
Other Assets 9567.44 11125.97 15628.02 17697.45 15342.41
Total Assets 108872.1 120291.95 130602.41 145962.26 154526.59
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 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 Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 40.60 40.60 40.60 40.60 40.60
bowhead india fund - - - 1.43 1.56
investor education and pr... - - - 0.22 0.22
kotak mahindra trustee co... - - 2.91 3.27 3.27
life insurance corporatio... 1.33 1.33 1.33 1.33 1.33
sanjeev arora . - - - 1.22 1.22
investor education and pr... 0.22 0.22 0.22 - -
sanjeev arora 1.22 1.22 1.22 - -
kotak india eq contra fun... - 2.01 - - -
kotak mahindra trustee co... 1.81 - - - -
quant mutual fund - quant... 1.14 - - - -

Annual Reports

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

Ratings & Research Reports

TYPE AGENCY ACTION
Credit BRICKWORK
Credit CARE
Credit INDIA RATINGS
Credit CARE
Credit FITCH
Credit CRISIL
Credit BRICKWORK
Credit CARE
Credit CARE
Credit SMERA
Credit ICRA
Credit CARE RATINGS
Credit FITCH
Credit FITCH
Credit CARE
TYPE AGENCY ACTION
Research HDFC Securities
Research Nuvama Wealth
Research Prabhudas Lilladhar
Research ICICI Securities Limited

Concalls & Presentations

TYPE QUARTER ACTION
Concall Q3FY25
Concall Q3FY24
Concall Q1FY23
Concall Q1FY20
TYPE QUARTER ACTION
Presentation Q4FY25
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY18
Presentation Q2FY24
Presentation Q1FY25

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 104.8. 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 11212.3623 Cr. revenue in the latest financial year. J&K Bank has posted decent revenue growth of 11.3966703467916 % in last 3 Years.

  • In terms of advances, J&K Bank reported 13.9479 % YOY,  rise . If you see 3 years advance growth, it stands at 11.942201964595 %.

  • Currently, J&K Bank has a CASA ratio of 50.5084 %. It’s overall cost of liability stands at 4.3649 %. Also, the total deposits of J&K Bank from these accounts stood at Rs 134774.8949 Cr.

  • J&K Bank has a average ROA track record. The ROA of J&K Bank is at 1.1763 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.08 % and 0.79 % 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 -245.270753350187 % 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 825.4789 Cr.

  • J&K Bank has a Good Capital Adequacy Ratio of 15.42 .

  • 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 0.8097 . The historical average PB of J&K Bank was 0.566935395125636.

  • Share Price: - The current share price of J&K Bank is Rs 104.8. 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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