Jammu and Kashmir Bank Ltd

J & K Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Jammu and Kashmir Bank Ltd

₹ 156 -0.86%
05 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 ₹ 17,229 Cr.
  • Current Price ₹ 156
  • High / Low ₹ 202 / 97.4
  • Stock P/E 7.48
  • Book Value ₹ 154
  • Dividend Yield 1.37 %
  • ROCE 5.84 %
  • ROE 15.4 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 1.01 times its book value
  • Company has delivered good profit growth of 40.7% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.2% 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 Nifty Smallcap250 Momentum Quality 100 BSE 250 SmallCap Index BSE 400 MidSmallCap Index Nifty Midsmallcap400 Momentum Quality 100 Nifty500 Equal Weight

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 3,210 3,213 3,269 3,293 3,315 3,273 3,547
Interest 1,374 1,430 1,600 1,604 1,625 1,687 1,697 1,732 1,803 1,858 1,824 1,784 2,049
1,062 982 906 705 954 980 996 1,075 1,061 958 964 889 1,095
Financing Profit 221 352 375 602 415 456 516 406 406 477 527 600 403
Financing Margin % 8% 13% 13% 21% 14% 15% 16% 13% 12% 14% 16% 18% 11%
230 193 186 229 198 301 242 403 253 157 280 262 217
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 452 545 561 830 614 757 758 810 659 635 807 862 621
Tax % 28% 30% 25% 23% 32% 27% 30% 28% 26% 22% 27% 7% 31%
331 384 423 633 418 553 529 582 485 495 581 799 429
EPS in Rs 3.21 3.72 3.84 5.75 3.80 5.02 4.80 5.28 4.40 4.49 5.28 7.25 3.89
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 11,213 12,541 13,151 13,429
Interest 4,409 4,132 4,173 3,750 4,291 4,739 4,340 4,101 4,609 6,008 6,741 7,269 7,515
2,336 2,466 4,431 3,154 3,439 5,234 3,802 3,774 3,567 3,437 3,840 3,869 3,907
Financing Profit 316 245 -1,919 -283 -55 -1,527 -30 137 1,178 1,768 1,960 2,013 2,007
Financing Margin % 4% 4% -29% -4% -1% -18% -0% 2% 13% 16% 16% 15% 15%
599 509 497 501 817 509 701 753 765 838 1,147 951 918
Depreciation 95 64 85 97 104 126 134 144 158 218 168 0 0
Profit before tax 820 689 -1,507 121 659 -1,144 537 747 1,786 2,388 2,939 2,964 2,925
Tax % 38% 40% 8% -68% 30% 3% 19% 32% 33% 26% 29% 20%
508 414 -1,633 203 464 -1,183 428 495 1,181 1,771 2,082 2,360 2,304
EPS in Rs 10.49 8.54 -31.32 3.64 8.33 -16.59 6.01 5.30 11.44 16.08 18.91 21.43 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: 41%
3 Years: 26%
TTM: 7%
Stock Price CAGR
10 Years: 8%
5 Years: 33%
3 Years: 33%
1 Year: 54%
Return on Equity
10 Years: 7%
5 Years: 14%
3 Years: 16%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 6,060 6,372 5,621 6,102 6,566 6,274 6,731 7,984 9,793 12,083 14,098 16,390
Deposits 66,336 69,379 72,459 80,005 89,637 97,786 108,047 114,703 122,027 134,765 148,552 165,342
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
1,726 2,214 2,604 1,894 2,522 2,678 3,408 5,425 11,097 4,662 4,280 3,687
Total Liabilities 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 154,505 169,424 188,960
655 706 1,479 1,598 1,646 2,036 1,971 1,908 2,224 2,208 2,126 2,533
CWIP 34 59 64 17 29 35 41 46 47 50 66 0
Investments 22,740 20,334 21,271 18,860 23,140 22,990 30,774 33,785 34,780 34,900 41,122 40,520
52,481 59,156 59,198 69,210 76,589 83,768 87,486 94,837 108,860 117,347 126,110 145,906
Total Assets 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 154,505 169,424 188,960

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
118 -219 2,457 2,363 -2,992 4,374 -14 -1,568 -407 -853 2,723 -1,126
-261 -136 -861 -164 -165 -115 -76 -85 -124 -257 -102 -302
-338 -176 593 668 769 -339 -199 941 638 407 -1,034 -500
Net Cash Flow -480 -531 2,189 2,867 -2,388 3,920 -289 -712 107 -702 1,587 -1,928
Free Cash Flow -131 -355 1,596 2,199 -3,156 4,259 -90 -1,653 -531 -1,038 2,621 -1,595
CFO/OP 10% 4% 112% 73% -70% 140% 2% -31% 1% -5% 40% -4%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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%

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

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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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