Jammu and Kashmir Bank Ltd

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Jammu and Kashmir Bank Ltd

₹ 152 1.69%
26 Aug - close price
jkb.bank.in BSE: 532209 NSE: J&KBANK
About

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.[1]
It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings. The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.[2]

Key Points

Business Segments Q3 FY26:[1]
Retail Banking: 57%
Treasury: 24%
Corporate Banking: 19%
Others: 1%

Website BSE NSE
  • Market Cap ₹ 16,739 Cr.
  • Current Price ₹ 152
  • High / Low ₹ 202 / 97.4
  • Stock P/E 7.27
  • Book Value ₹ 157
  • Dividend Yield 1.41 %
  • ROCE 5.83 %
  • ROE 15.2 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 0.97 times its book value
  • Company has delivered good profit growth of 40.5% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.1% over past five years.
  • Contingent liabilities of Rs.7,081 Cr.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -4.01%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 400 MidSmallCap Index Nifty Total Market Nifty MidSmallcap 400 Nifty Smallcap 250 BSE 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
2,657 2,764 2,881 2,910 2,994 3,124 3,206 3,212 3,268 3,292 3,313 3,272 3,546
Interest 1,374 1,430 1,601 1,604 1,625 1,688 1,697 1,732 1,803 1,858 1,825 1,784 2,049
1,060 980 903 702 951 978 993 1,072 1,058 955 961 886 1,092
Financing Profit 223 354 378 604 418 458 516 408 407 479 528 601 405
Financing Margin % 8% 13% 13% 21% 14% 15% 16% 13% 12% 15% 16% 18% 11%
228 190 182 225 194 296 242 402 250 155 278 259 214
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 451 544 560 829 612 754 758 809 658 634 806 861 619
Tax % 28% 30% 25% 23% 32% 27% 30% 28% 26% 22% 27% 7% 32%
326 381 421 639 415 551 532 585 485 494 587 798 424
EPS in Rs 3.16 3.69 3.82 5.80 3.77 5.00 4.83 5.31 4.40 4.49 5.33 7.24 3.85
Gross NPA % 5.77% 5.26% 4.84% 4.08% 3.91% 3.95% 4.08% 3.37% 3.50% 3.32% 3.00% 2.50% 2.37%
Net NPA % 1.39% 1.04% 0.83% 0.79% 0.76% 0.85% 0.94% 0.79% 0.82% 0.76% 0.68% 0.64% 0.60%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 11,212 12,536 13,145 13,423
Interest 4,410 4,133 4,174 3,751 4,292 4,740 4,340 4,102 4,610 6,009 6,742 7,269 7,515
2,330 2,458 4,426 3,149 3,433 5,227 3,795 3,769 3,560 3,427 3,829 3,858 3,894
Financing Profit 321 252 -1,914 -278 -49 -1,521 -24 143 1,185 1,777 1,965 2,018 2,013
Financing Margin % 5% 4% -29% -4% -1% -18% -0% 2% 13% 16% 16% 15% 15%
594 504 493 495 813 546 692 744 757 825 1,137 940 906
Depreciation 94 64 85 97 104 125 134 144 158 218 168 0 0
Profit before tax 820 692 -1,506 121 660 -1,100 534 743 1,784 2,385 2,934 2,958 2,919
Tax % 38% 40% 8% -68% 30% 4% 19% 32% 33% 26% 29% 20%
509 416 -1,632 203 465 -1,139 432 502 1,197 1,767 2,082 2,363 2,303
EPS in Rs 10.49 8.58 -31.31 3.64 8.35 -15.97 6.06 5.38 11.61 16.05 18.91 21.46 20.91
Dividend Payout % 20% 20% 0% 0% 0% 0% 0% 0% 4% 13% 11% 0%
Compounded Sales Growth
10 Years: 7%
5 Years: 10%
3 Years: 12%
TTM: 5%
Compounded Profit Growth
10 Years: 19%
5 Years: 40%
3 Years: 25%
TTM: 7%
Stock Price CAGR
10 Years: 8%
5 Years: 34%
3 Years: 20%
1 Year: 51%
Return on Equity
10 Years: 7%
5 Years: 14%
3 Years: 16%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 48 48 52 56 56 71 71 93 103 110 110 110
Reserves 6,062 6,375 5,624 6,106 6,570 6,322 6,754 8,014 9,840 12,126 14,142 16,640
Deposits 66,356 69,390 72,463 80,006 89,639 97,788 108,061 114,710 122,038 134,776 148,569 165,354
Borrowing 1,740 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892 2,885 2,383 3,431
1,725 2,214 2,603 1,892 2,517 2,671 3,390 5,414 11,089 4,630 4,264 3,659
Total Liabilities 75,931 80,268 82,019 89,688 101,406 108,872 120,292 130,602 145,962 154,527 169,468 189,194
655 705 1,479 1,598 1,646 2,036 1,971 1,907 2,224 2,208 2,126 2,532
CWIP 34 59 64 17 29 35 41 46 47 50 66 0
Investments 22,760 20,354 21,291 18,880 23,160 23,052 30,814 33,835 34,829 34,987 41,213 40,822
52,482 59,151 59,184 69,193 76,571 83,749 87,465 94,814 108,862 117,282 126,065 145,840
Total Assets 75,931 80,268 82,019 89,688 101,406 108,872 120,292 130,602 145,962 154,527 169,468 189,194

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
129 -219 2,451 2,362 -2,995 4,374 -11 -1,568 -421 -851 2,718 -1,132
-271 -136 -861 -164 -164 -114 -76 -85 -123 -257 -102 -302
-338 -176 593 668 769 -339 -199 941 638 407 -1,034 -500
Net Cash Flow -480 -531 2,183 2,867 -2,391 3,921 -285 -713 94 -701 1,582 -1,934
Free Cash Flow -121 -355 1,590 2,199 -3,160 4,260 -86 -1,654 -544 -1,037 2,617 -1,601
CFO/OP 10% 4% 112% 73% -70% 140% 2% -31% 1% -5% 40% -4%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% 7% -27% 3% 7% -18% 7% 7% 13% 16% 16% 15%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Capital Adequacy Ratio (CRAR)
%

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Gross NPA Ratio
%
Number of ATMs
count
Number of Branches
count
CASA Ratio
%
Net NPA Ratio
%
Business per Employee
Rs crore
Digital Transactions Percentage
%

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
63.41% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40%
2.61% 5.80% 6.99% 7.16% 6.47% 7.07% 7.64% 8.01% 7.85% 8.14% 8.35% 9.38%
4.92% 7.81% 7.90% 6.74% 6.41% 6.82% 6.69% 5.87% 5.76% 5.84% 6.00% 7.85%
29.06% 26.98% 25.71% 26.70% 27.72% 26.70% 26.26% 26.72% 26.98% 26.62% 26.26% 23.37%
No. of Shareholders 1,88,6092,04,1932,15,2942,54,6452,78,0502,82,7432,80,1872,65,9682,61,9782,54,2192,40,5392,19,636

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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