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J&K Bank

  • Market Cap: Mid Cap
  • Industry: Public Banks
  • ISIN: INE168A01041
  • NSEID: J&KBANK
  • BSEID: 532209
INR
91.90
0.4 (0.44%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 33.15 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

91.2494.05

52 Week

82.01147.00
Valuation
Technical
Day's Volume

CASH

33.15 lacs (42.76%) Volume

Shareholding (Dec 2024)

FII

7.07%

Held by 128 FIIs

DII

6.83%

Held by 24 DIIs

Promoter

59.40%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Strong Provisioning Practices with a Provision Coverage Ratio of 74.12%

 
2

Healthy long term growth as Net profit has grown by an annual rate of 40.05%

 
3

The company has declared Positive results for the last 11 consecutive quarters

4

Stock is technically in a Mildly Bearish range

5

With ROA of 1.4, it has a Very Attractive valuation with a 0.7 Price to Book Value

6

Increasing Participation by Institutional Investors

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Public Banks

stock-summary
Market cap

INR 10,120 Cr (Mid Cap)

stock-summary
Dividend Yield

2.35%

stock-summary
CAR

12.71%

stock-summary
Return on Assets

1.41%

stock-summary
Net NPA

0.94%

stock-summary
Gross NPA

4.08%

Revenue and Profits (1 Year):
Int. Earned:
3,206.08 Cr
(Quarterly Results - Dec 2024)
Net Profit:
532 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (2.35%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-7.27%
0%
-7.27%
1 Year
-33.84%
1.55%
-32.29%
2 Years
81.08%
3.80%
84.88%
3 Years
177.64%
7.79%
185.43%
4 Years
241.0%
7.69%
248.69%
5 Years
669.04%
17.13%
686.17%

Latest dividend: 2.15 per share ex-dividend date: Aug-09-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
7.99%
Net Profit Growth (5y)
40.05%
Advance to Deposit
66.08%
Capital Adequacy Ratio (Tier 1)
11.26%
Gross NPA (latest)
4.08%
Gross NPA (avg)
6.76%
Coverage Ratio (avg)
74.12%
Cost to Income (avg)
64.71%
Net Interest Margin (avg)
3.94%
Operating Profit to Assets (avg)
4.06%
ROA (avg)
0.71%
Valuation key factors
Factor
Value
P/E Ratio
5
Price to Book Value
0.73
PEG Ratio
0.14
Dividend Yield
2.35%
ROE (Latest)
15.44%
ROA (Latest)
1.41%
Net NPA to Book Value
6.49
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 14 Schemes (3.77%)

FIIs

Held by 128 FIIs (7.07%)

Promoter with highest holding

Chief Secretary Jammu And Kashmir Govt (51.89%)

Highest Public shareholder

Kotak Mahindra Trustee Co Ltd A/c Kotak Multicap F (3.27%)

Individual Investors Holdings

21.48%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 2.64% vs 4.31% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -3.52% vs 32.60% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 3206.08,
          "val2": 3123.55,
          "chgp": "2.64%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "748.11",
          "val2": "786.99",
          "chgp": "-4.94%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.94%",
          "val2": "0.85%",
          "chgp": "0.09%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.08%",
          "val2": "3.95%",
          "chgp": "0.13%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "531.51",
          "val2": "550.92",
          "chgp": "-3.52%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 12.85% vs 23.15% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 36.59% vs 72.79% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 6117.93,
          "val2": 5421.23,
          "chgp": "12.85%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,381.66",
          "val2": "1,062.52",
          "chgp": "30.04%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.85%",
          "val2": "1.04%",
          "chgp": "-0.19%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.95%",
          "val2": "5.26%",
          "chgp": "-1.31%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "966.41",
          "val2": "707.52",
          "chgp": "36.59%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 12.31% vs 21.32% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 32.72% vs 56.52% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 9324.01,
          "val2": 8302.19,
          "chgp": "12.31%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "2,129.77",
          "val2": "1,613.05",
          "chgp": "32.03%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.94%",
          "val2": "0.83%",
          "chgp": "0.11%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.08%",
          "val2": "4.84%",
          "chgp": "-0.76%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,497.92",
          "val2": "1,128.60",
          "chgp": "32.72%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 19.85% vs 16.74% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 47.59% vs 75.08% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 11212.37,
          "val2": 9355.11,
          "chgp": "19.85%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "2,276.88",
          "val2": "1,858.49",
          "chgp": "22.51%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.79%",
          "val2": "1.62%",
          "chgp": "-0.83%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.08%",
          "val2": "6.04%",
          "chgp": "-1.96%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,767.27",
          "val2": "1,197.38",
          "chgp": "47.59%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
3206.08
3123.55
2.64%
Operating Profit (PBDIT)
748.11
786.99
-4.94%
% of Net NPAs
0.94%
0.85%
0.09%
% of Gross NPAs
4.08%
3.95%
0.13%
Exceptional Items
0.00
0.00
Net Profit
531.51
550.92
-3.52%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 2.64% vs 4.31% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is -3.52% vs 32.60% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
6117.93
5421.23
12.85%
Operating Profit (PBDIT)
1,381.66
1,062.52
30.04%
% of Net NPAs
0.85%
1.04%
-0.19%
% of Gross NPAs
3.95%
5.26%
-1.31%
Exceptional Items
0.00
0.00
Net Profit
966.41
707.52
36.59%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 12.85% vs 23.15% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 36.59% vs 72.79% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
9324.01
8302.19
12.31%
Operating Profit (PBDIT)
2,129.77
1,613.05
32.03%
% of Net NPAs
0.94%
0.83%
0.11%
% of Gross NPAs
4.08%
4.84%
-0.76%
Exceptional Items
0.00
0.00
Net Profit
1,497.92
1,128.60
32.72%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 12.31% vs 21.32% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 32.72% vs 56.52% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
11212.37
9355.11
19.85%
Operating Profit (PBDIT)
2,276.88
1,858.49
22.51%
% of Net NPAs
0.79%
1.62%
-0.83%
% of Gross NPAs
4.08%
6.04%
-1.96%
Exceptional Items
0.00
0.00
Net Profit
1,767.27
1,197.38
47.59%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 19.85% vs 16.74% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 47.59% vs 75.08% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About The Jammu & Kashmir Bank Ltd. stock-summary
stock-summary
The Jammu & Kashmir Bank Ltd.
Mid Cap
Public Banks
Jammu and Kashmir Bank Limited (J&K Bank) is a Scheduled Commercial Bank and one of the oldest private sector banks in India, incorporated in October, 1938. J&K Bank is listed on both NSE and BSE and has its Corporate Headquarters at Srinagar. The Bank functions as a leading bank in the Union Territories of Jammu & Kashmir and Ladakh and is designated by Reserve Bank of India as agency bank for carrying out banking business for the Government of Jammu & Kashmir and Ladakh.
Company Coordinates stock-summary
Company Details
Moulana Azad Road , Srinagar Jammu & Kashmir : 190001
stock-summary
Tel: 91-194-2481930-35 Extn 1541-1547
stock-summary
http://www.jkbank.net
stock-summary
sharedeptt_gc@jkbmail.com
Registrar Details
Karvy Computershare Pvt Ltd, Plot No 17-24 , Near Image Hospital,, Reliance Cybervilae,Vithalrao Nagar,, Madhapur, Hyderabad
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