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The Jammu & Kashmir Bank Ltd (J&KBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532209 NSE: J&KBANK Bank - Private | Small Cap | J&K Bank Share Price

₹147.60 -0.05 (-0.03%)

As on 05-Jun'26 16:59

The Jammu & Kashmir Bank Ltd (J&KBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532209 NSE: J&KBANK Bank - Private | Small Cap | J&K Bank Share Price

₹147.60 -0.05 (-0.03%)

As on 05-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹16,259 Cr.
Current Price
₹147.6
52-Week Low / High
₹97 / 151
TTM EPS
₹21.5
TTM Sales
₹13,145 Cr.
Book Value per Share
₹138.3
P/E Ratio
6.88
Higher than its 5-year historical median
Industry PE
17.2
Price to Book (P/B)
1.07
Higher than its 5-year historical median
EV/EBITDA
3.77
Higher than its 5-year historical median
Dividend Yield
2.33%
Profitability Efficiency
Return on Equity (ROE)
17.37%
Return on Capital Employed (ROCE)
20.39%
Net Interest Margin (NIM)
3.73%
Return on Assets (ROA)
1.29%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
10.23%
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
11.34%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
18.67%
Asset Quality
CASA
47%
Gross NPA(%)
3.37%
Net NPA(%)
0.79%
Cost to Income Ratio
57.73%
Cost of Liabilities
4.47%
Reserves
₹15,119 Cr.
Equity
₹110.1 Cr.
Face Value
₹1
All Time Low / High
₹1.55 / 199.50

The Jammu & Kashmir Bank stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is The Jammu & Kashmir Bank Ltd a good quality company?
The Jammu & Kashmir Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth and Cost-to-Income ratio.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does The Jammu & Kashmir Bank Ltd performance compare with that of its Peers?
Q.1 AUM Growth of The Jammu & Kashmir Bank Ltd vs Industry Peers?
The Jammu & Kashmir Bank Ltd AUM CAGR is 9.25%, compared to the 5-year industry median CAGR of 13.65%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of The Jammu & Kashmir Bank Ltd?
Promoters hold 59.40% of the The Jammu & Kashmir Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of The Jammu & Kashmir Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 8.8% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
The Jammu & Kashmir Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Net Interest Income (₹ Cr.)2,7102,5122,8713,3843,7073,7713,9114,7455,2045,7945,876
YoY Gr. Rt. %--7.3%14.3%17.9%9.5%1.7%3.7%21.3%9.7%11.3%-
Total Income7,3487,1797,1178,4888,9928,8038,75710,11212,03813,67314,089
YoY Gr. Rt. %--2.3%-0.9%19.3%5.9%-2.1%-0.5%15.5%19.1%13.6%-
Adj EPS (₹ ) 8.6-31.33.68.4-166.15.411.616.118.921.5
YoY Gr. Rt. %--464.9%NA129.4%-291.3%NA-11.2%115.8%38.2%17.8%-
BVPS (₹ )132.596.799.5108.175.78275.78499.6118.2138.3
YoY Gr. Rt. %--27%2.9%8.6%-30%8.5%-7.7%10.9%18.6%18.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.5-20.20.5-1.10.40.40.91.21.31.3
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)4.35.14.94.93.532.51.60.80.80.6
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.8%9.3%14%11.3%
Total Income7.1%8.7%16%13.6%
Adj EPS9.2%NA52%17.8%
BVPS-1.3%9.3%16%18.7%
Share Price 9.8% 38.1% 37.4% 38.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Interest Earned / Total Income93.1493.1393.0490.4393.9392.1491.592.5293.1491.6993.3
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)3.73.33.43.63.83.53.53.83.83.73.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)6.6-28.53.88-207.77.815.21817.415.7
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)44.151.750.950.753.756.856.654.150.547-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income +7,3487,1797,1178,4888,9928,8038,75710,11212,03813,673
Interest Income 6,8446,6866,6217,6768,4468,1118,0139,35511,21212,536
Other Income ⓘ 5044934958135466927447578251,137
Expenditure +5,6805,8845,7356,7707,4677,2197,6958,2539,76110,743
Interest Expense 4,1334,1743,7514,2924,7404,3404,1024,6106,0096,742
Operating Expenses 1,5461,7101,9842,4792,7282,8793,5933,6443,7524,001
Provisions9492,5011,0789712,4731,019340-9-18486
Profit Before Tax692-1,506121660-1,1005347431,7842,3852,934
Taxes 276126-8219539102241587617851
Profit After Tax 416-1,632203465-1,1394325021,1971,7672,082
Adjusted EPS (₹)8.58-31.313.648.35-15.976.065.3811.6116.0518.91
Dividend Payout Ratio (%)20.40%0%0%0%0%0%0%4.30%13.40%11.40%

Valuation of J&K Bank - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Share Capital ⓘ 48525656717193103110110
Total Reserves ⓘ 6,3755,6246,1066,5706,3226,7547,9209,84012,12614,142
Deposits69,39072,46380,00689,63997,7881,08,0611,14,7101,22,0381,34,7761,48,569
Borrowings ⓘ 2,2401,2761,6282,6242,0202,0152,3712,8922,8852,383
Minority Interest0000000000
Other Liabilities 2,2142,6031,8922,5172,6713,3905,50811,0894,6304,264
Total Liabilities ⓘ 80,26882,01989,6881,01,4061,08,8721,20,2921,30,6021,45,9621,54,5271,69,468

Assets

Balance with RBI 3,1273,5914,3284,8752,9473,6857,7507,7947,2507,385
Balance with Banks761,7953,9259876,8355,8121,0351,0859272,374
Investments ⓘ 20,35421,29118,88023,16123,05230,81433,83534,82934,98741,213
Advances 50,19349,81656,91366,27264,39966,84270,40182,28593,7631,04,199
Net Block ⓘ 7051,4791,5981,6462,0361,9711,9072,2242,2082,126
Other Assets5,7543,9824,0274,4389,56711,12615,62817,69715,34212,106
Total Assets ⓘ 80,26882,01989,6881,01,4061,08,8721,20,2921,30,6021,45,9621,54,5271,69,468

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -2192,4512,362-2,9954,374-11-1,568-421-8512,718
Cash Flow From Investing Activity ⓘ -136-861-164-164-114-76-85-123-257-102
Cash Flow From Financing Activity ⓘ -176593668769-339-199941638407-1,034
Net Cash Flow ⓘ -5312,1832,867-2,3913,921-285-71394-7011,582

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)8.60-31.303.608.40-166.105.4011.6016.1018.90
DPS (₹)1.800000000.502.202.20
BVPS (₹)132.596.799.5108.175.78275.78499.6118.2

Margin Ratios

Yield on Advances (%)13.613.411.611.613.112.111.411.412.012.0
Yield on Investments (%)8.89.07.87.57.36.45.36.16.66.7
Cost of Liabilities (%)5.85.74.64.74.83.93.53.74.44.5
NIM (%)3.73.33.43.63.83.53.53.83.83.7
Interest Spread (%)7.97.87.06.98.48.27.97.77.67.6

Performance Ratios

ROA (%)0.5-2.00.20.5-1.10.40.40.91.21.3
ROE (%)6.6-28.53.88.0-20.07.77.815.218.017.4
ROCE (%)9.8-18.13.510.9-9.78.59.817.519.420.4

Efficiency Ratios

Cost to Income Ratio (%)48.156.959.059.164.164.577.266.262.257.7
Operating Costs to Assets (%)1.92.12.22.42.52.42.82.52.42.4

Valuation Parameters

Price/Book(x)0.50.80.60.50.20.30.40.61.40.8

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

The Jammu & Kashmir Bank Ltd FAQs

The current trading price of J&K Bank on 05-Jun-2026 16:59 is ₹147.6.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Jun-2026 the market cap of J&K Bank stood at ₹16,259 Cr

The latest P/E ratio of J&K Bank as of 04-Jun-2026 is 6.88.

The latest P/B ratio of J&K Bank as of 04-Jun-2026 is 1.07.

The 52-week high of J&K Bank is ₹150.9 and the 52-week low is ₹97.40.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of J&K Bank is ₹13,145 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Jammu & Kashmir Bank Ltd is a below average quality company.

The key valuation ratios of The Jammu & Kashmir Bank Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of The Jammu & Kashmir Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About The Jammu & Kashmir Bank Ltd

The Jammu & Kashmir Bank Ltd. was incorporated in 1938, and is listed on the NSE and the BSE. It functions as a universal bank in the Union Territories of Jammu & Kashmir and Ladakh and as a specialised bank in the rest of the country. It is also designated as RBI’s agent for banking business, and carries out the banking business of the Union Territories of Jammu & Kashmir and Ladakh, besides collecting central taxes for CBDT. J&K Bank follows a two-legged business model whereby it seeks to increase lending in its home territory which results in higher margins despite modest volumes, and at the same time, seeks to capture niche lending opportunities on a pan-India basis to build volumes and improve margins. J&K Bank operates on the principle of 'socially empowering banking' and seeks to deliver innovative financial solutions for household, small and medium enterprises.

Business of the Bank

The Jammu & Kashmir Bank is engaged in banking Business. The Bank provides banking services, including CD's, educational loans, housing loans and car loans. The Bank also provides insurance services through a joint venture with MetLife India Insurance Company.

Products and Services of the bank

  • Personal Banking- Under this, it offers various products and services such saving accounts, loans, deposits, ATM facility, RTGS/NEFT facility, internet banking, demat services, etc.
  • NRI Banking- Besides various personal banking products, it also offers remittance services, consultancy services to its NRI Clients.
  • Priority and SME- It also caters to the priority and SME segments and offers various kinds of products to meet their various business requirements.

Milestones & Achievements

  • 2010: JK Bank inaugurates 144th ATM at ZainakoteJ&K Bank launches Operation Clean Up'JK Bank launches An Poshe Tele Yeli Wan Poshe Over 100 LPG connections distributed at Chandanwari, UriJK Bank ATM network reaches to 292J&K Bank inaugurates Khidmat centre at Barmeen, Udhampur.
  • 2011: J&K Bank inaugurates ATM in CTM premises KathuaJ&K Bank opens branch in Ashmuji KulgamJ&K Bank inaugurates new B/U premises at Lakhanpur, GhagwalJ&K Bank inaugurates RSETI at Poonch.
  • 2012: J&K Bank opens ATM in DPL Budgam: Donates projector, laptop to SKIMS.
  • 2013: J&K Bank bags two HR awardsJ&K Bank gets Best Bank Award.
  • 2017: JK Bank hires Delloitte as their overhaul Consultants.
  • 2019: The bank won the CSO100 Award for the year 2019 at a ceremony held in Pune, Maharashtra for adopting new ways of thinking to secure business assets with sophisticated tools and improved defenses.
  • 2020: Jammu & Kashmir Bank has received approval to raise capital upto Rs 1000 crore by way of Non-Convertible, Redeemable, Unsecured, Basel III Compliant, Tier 2 bonds in the nature of debentures (debentures) on a private placement basis
  • 2021: Jammu and Kashmir (J&K) Bank has received in-principle approval from board to transfer 8.23 per cent stake of J&K Government to Union Territory (UT) of Ladakh.
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