Jammu and Kashmir Bank
Jammu and Kashmir Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Jammu and Kashmir Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Jammu and Kashmir Bank Ltd trades at a P/E of 7.35× and P/B of 1.05×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
Jammu and Kashmir Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Jammu and Kashmir Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
Jammu and Kashmir Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹17,618.92 Cr and reported EPS of ₹21.42.
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Other Income | 550 | 728 | 790 | 765 | 838 | 1,147 | 951 |
| Total Income | 8,997 | 8,840 | 8,803 | 10,120 | 12,051 | 13,688 | 14,101 |
| +Non-Operating Expenses | — | — | -270 | — | — | — | — |
| Profit Before Tax (PBT) | -1,102 | 538 | 747 | 1,786 | 2,388 | 2,939 | 2,964 |
| Tax Expense | 39 | 104 | 242 | 587 | 618 | 852 | 596 |
| Profit After Tax (PAT) | -1,142 | 435 | 504 | 1,199 | 1,770 | 2,086 | 2,368 |
| Earnings Per Share (EPS) | -16.59 | 6.01 | 5.30 | 11.44 | 16.08 | 18.91 | 21.43 |
| Diluted Shares Outstanding (Nos.) | 71 | 71 | 93 | 103 | 110 | 110 | 110 |
| +Banking Income | 8,997 | 8,840 | 8,803 | 10,120 | 12,051 | 13,688 | 14,101 |
| +Banking Expenses | 7,474 | 7,224 | 7,430 | 8,260 | 9,770 | 10,753 | 11,109 |
| +Asset Quality & Capital | 7,672 | 6,955 | 6,521 | 5,204 | 3,956 | 3,605 | 3,125 |
| +Additional Disclosures | -42 | -6 | -10 | -18 | 1 | -4 | -8 |
| Tax % | -4 | 19 | 32 | 33 | 26 | 29 | 20 |
| Profit Growth % | — | 138.09 | 16.02 | 137.61 | 47.67 | 17.87 | 13.48 |
Jammu and Kashmir Bank segment analysis: revenue and profit mix.
Disclosed business segments at Jammu and Kashmir Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Jammu and Kashmir Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Jammu and Kashmir Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Jammu and Kashmir Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Jammu and Kashmir Bank Ltd's investment case rests on 9 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
J&K Bank's remarkably low Price-to-Earnings ratio of 5.69 and Price-to-Book value of 0.85 suggest the stock may be undervalued compared to its earnings and assets, potentially attracting value investors.
The bank exhibits a robust Return on Equity (ROE) of 15.80%, indicating efficient capital utilization and strong profitability, which is a key metric for assessing financial health and growth potential.
A significant promoter holding of 59.4% suggests strong confidence from the core management in the company's future prospects, providing a degree of stability and long-term strategic vision.
The bank maintains a high Operating Profit Margin (OPM) of 68.50%, reflecting strong operational efficiency in managing its core banking activities and generating profits from its primary operations.
Increased FII holdings to 7.85% and DII holdings to 5.76% from 2022 levels indicate growing institutional investor confidence in the bank's performance and future outlook.
What can break it.
The company's high debt-to-equity ratio of 10.60 raises concerns about its financial leverage. A substantial debt burden can increase vulnerability to economic downturns and limit financial flexibility.
A recent quarterly profit decline of -10.50% is a concern, signaling potential challenges in maintaining consistent earnings growth and warranting close monitoring of future financial results.
Despite a strong ROE, the Return on Capital Employed (ROCE) at 6.15% is relatively modest, suggesting that the bank's overall efficiency in utilizing its capital could be improved for better returns.
Promoter holdings have decreased from 68.03% in 2022 to 59.4% currently. This reduction in promoter stake might indicate a shift in ownership strategy or potential future dilution.
The stock has shown recent volatility, with a -0.96% change on Oct 29 and mixed movements over five days, which could signal market uncertainty or investor apprehension requiring careful observation.
What would change my mind.
Trim if P/E re-rates above 10 (~0.6× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 10%. The operating engine is no longer compounding capital efficiently.
Jammu and Kashmir Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Jammu and Kashmir Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Jammu and Kashmir Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Jammu and Kashmir Bank Ltd — derived from the live tape, not yesterday's close.
Jammu and Kashmir Bank Ltd last traded at ₹159.91 with an intraday range of ₹159.26–₹163.49 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹159.91| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 170.97 | +11.06 | +6.92% |
| R3 | 166.74 | +6.83 | +4.27% |
| R2 | 165.12 | +5.21 | +3.26% |
| R1 | 162.51 | +2.60 | +1.63% |
| PIVOT | 160.89 | 0.98 | 0.61% |
| CURRENT | 159.91 | — | — |
| S1 | 149.82 | -10.09 | -6.31% |
| S2 | 154.05 | -5.86 | -3.66% |
| S3 | 156.66 | -3.25 | -2.03% |
| S4 | 158.28 | -1.63 | -1.02% |
J&KBANK is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 159.31 ~ 162.35
Trading Above opening range, showing Bullishness
Jammu and Kashmir Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Jammu and Kashmir Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Jammu and Kashmir Bank Ltd stood at 46.1% of traded volume, against a 20-day average of 43.9%.
Jammu and Kashmir Bank announcements: results, concalls, ratings, M&A.
Filings Jammu and Kashmir Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
No filings or concall transcripts on record.
Jammu and Kashmir Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Jammu and Kashmir Bank has declared, sequenced by announce and record date.
Jammu and Kashmir Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Jammu and Kashmir Bank Ltd: business, sector, key facts.
What Jammu and Kashmir Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Jammu and Kashmir Bank Ltd operates in the Financial Services, listed as NSE: J&KBANK, BSE: 532209.
J&K Bank is a full-service bank operating primarily in the Jammu and Kashmir region of India. Its business model is multifaceted, encompassing diverse banking segments designed to cater to a broad spectrum of customers, from individuals to large corporations. The bank's core operations are divided into Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments, each contributing significantly to the overall revenue stream.
The Retail Banking segment focuses on individual customers, offering a wide range of deposit accounts including savings, current, salary, pension, and small accounts, along with various term deposit options. Loan products are equally diverse, catering to diverse needs with offerings such as housing, consumer, education, vehicle, and personal loans. Specialized financing options exist for specific purchases like laptops, smartphones, and even modular kitchens. Festival advances and various other targeted financing schemes also fall under this segment.
Corporate/Wholesale Banking concentrates on providing financial services to businesses and corporations. This involves offering various credit facilities, including cash credit schemes, loans against gold, and financing for commercial vehicles, construction equipment, and tourism-related ventures. Furthermore, it encompasses services tailored to small and medium-sized enterprises (SMEs), such as Saral financing and credit guarantee schemes. The bank also actively participates in government-sponsored schemes and provides financing options for various business sectors, including trade, services, and agriculture.
Treasury Operations manage the bank's liquidity and investment portfolio. This segment plays a crucial role in managing risk and ensuring the bank's financial stability. The "Other Banking Business" segment encompasses a variety of additional services, including the provision of insurance products (both life and non-life), debit/credit/prepaid cards, and merchant acquiring services, enhancing customer convenience and expanding revenue opportunities.
In essence, J&K Bank's business model relies on a comprehensive and integrated approach to banking, serving a vast clientele with a wide array of financial products and services. Its focus on both retail and corporate banking, complemented by specialized lending schemes and ancillary services, positions it as a significant player within its operational region.
Questions investors ask about Jammu and Kashmir Bank Ltd (J&KBANK).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Jammu and Kashmir Bank Ltd (J&KBANK)?
The current share price of Jammu and Kashmir Bank Ltd (J&KBANK) is ₹159.91. Today, the stock has gained by ₹2.51 (1.59%), trading in a range of ₹159.26 to ₹163.49. The stock opened at ₹160.56 with a trading volume of 62,42,841 shares.
02Is Jammu and Kashmir Bank Ltd stock a good investment for long-term?
Jammu and Kashmir Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹17,618.92 crores, P/E ratio of 7.35, ROE of 15.37%, and ROCE of 6.15%. The dividend yield stands at 1.37%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Jammu and Kashmir Bank Ltd stock?
The 52-week high price of Jammu and Kashmir Bank Ltd (J&KBANK) is ₹158.83, while the 52-week low is ₹97.35. Currently trading at ₹159.91, the stock is 101.8% away from its 52-week low and -0.7% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Jammu and Kashmir Bank Ltd stock at the current price?
Whether to buy Jammu and Kashmir Bank Ltd stock at ₹159.91 depends on multiple factors. The stock is currently trading with a P/E ratio of 7.35 and P/B ratio of 1.05. Today's performance shows a gain of 1.59%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Jammu and Kashmir Bank Ltd and when is the next dividend?
Jammu and Kashmir Bank Ltd offers a dividend yield of 1.37%, which means for every ₹100 invested at the current price of ₹159.91, you can expect to receive approximately ₹1.37 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Jammu and Kashmir Bank Ltd?
Jammu and Kashmir Bank Ltd's key financial metrics include: P/E Ratio: 7.35, P/B Ratio: 1.05, ROE: 15.37%, ROCE: 6.15%, Dividend Yield: 1.37%, EPS: ₹21.42, Book Value: ₹149.8, and Debt-to-Equity: 0.00. The company's market cap stands at ₹17,618.92 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Jammu and Kashmir Bank Ltd stock performing today in the market?
Jammu and Kashmir Bank Ltd stock opened at ₹160.56 and is currently trading at ₹159.91, showing a gain of ₹2.51 (1.59%). The intraday high is ₹163.49 and low is ₹159.26. The trading volume stands at 62,42,841 shares, indicating strong market participation today.
08What is the P/E ratio of Jammu and Kashmir Bank Ltd and what does it indicate?
Jammu and Kashmir Bank Ltd has a Price-to-Earnings (P/E) ratio of 7.35, which means investors are willing to pay ₹7.35 for every ₹1 of earnings. With an EPS of ₹21.42, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Jammu and Kashmir Bank Ltd (J&KBANK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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