Jammu and Kashmir Bank logo

Jammu and Kashmir Bank

J&KBANK NSE

Key Fundamentals

SmallcapPrivate BankBanks
Market Cap
₹15,841 Cr
Volatility
Moderate
P/E Ratio
6.95
EBITDA
₹3,092 Cr
Return on Equity
14.35%
Debt to Equity
0
Book Value
₹140.6
EPS
₹16.88
52W High
₹201.75
52W Low
₹97.35

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

2
  • Stock is trading at 0.94 times its book value
  • Company has delivered good profit growth of 40.7% CAGR over last 5 years

Weaknesses

5
  • 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.7,878 Cr.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -4.01%

Growth Rate

Revenue Growth
3.07% lower than 3Y
Net Income Growth
13.49% lower than 3Y
Cash Flow Change
-141% lower than 3Y
ROE
-2.25% lower than 3Y
ROCE
-5.08% lower than 3Y
EBITDA Margin (Avg.)
2.07% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

Jammu & Kashmir Bank trades at a market cap of ₹15,841 Cr with a PE of 7x and PB of 1.04x, reflecting a valuation below book value. The bank has delivered strong 5-year profit CAGR of 41% but sales growth has been modest at 10% over the same period, with TTM revenue growth slowing to 5%.

Bull Case 8
  • Stock trades at 0.94x book value, offering a discount to book and a PB of 1.04x — inexpensive relative to many listed banks
  • Compounded profit growth of 41% CAGR over the last 5 years demonstrates a sharp earnings recovery
  • PE ratio of 7x is well below the banking sector median, suggesting limited downside if earnings hold
  • 3-year ROE of 16% and last-year ROE of 15% indicate the bank is generating reasonable returns on equity
  • 1-year stock CAGR of 43% reflects strong recent market re-rating and investor interest
  • Dividend yield of 1.47% provides a modest income component for shareholders
  • 3-year compounded profit growth of 26% shows the earnings improvement is sustained, not a one-off recovery
  • 10-year compounded profit CAGR of 19% indicates the bank has grown earnings meaningfully over a full cycle despite legacy stress
Bear Case 8
  • TTM sales growth has decelerated sharply to just 5%, down from the 3-year CAGR of 12%, signalling a revenue slowdown
  • Contingent liabilities stand at ₹7,878 Cr, a material off-balance-sheet risk relative to its ₹15,841 Cr market cap
  • Promoter holding has declined by 4.01% over the last 3 years, which may indicate dilution or reduced promoter confidence
  • Low interest coverage ratio suggests the bank's earnings buffer over its interest obligations is thin
  • 5-year compounded sales growth of only 10.2% lags peers and limits the pace of future profit expansion
  • 10-year ROE averages just 7%, reflecting a prolonged period of poor profitability before the recent recovery
  • Possible capitalisation of interest cost raises questions about the true quality of reported earnings
  • 10-year stock CAGR of only 7% shows that long-term shareholders have earned modest returns despite the recent rally

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 2
  • ₹1,000 Cr capital raise planned Aug 29

    88th AGM on Sep 22, 2026 will seek approval for up to ₹1,000 crore equity issuance while maintaining the UT government's 51% stake, strengthening the bank's capital base.

  • Emissions down, MSME up Aug 29

    FY26 BRSR report shows Scope 1 and 2 emissions reduced to 22,506 tCO2e and MSME sourcing increased to 21.64%, reflecting improved ESG positioning.

Neutral 3
  • New rotational director appointed Aug 31

    Tsewang Tharchin appointed as Additional Director (Rotational), subject to shareholder approval at the upcoming AGM.

  • 88th AGM set for Sep 22 Aug 19

    AGM scheduled at Sher-i-Kashmir International Conference Centre, Srinagar on September 22, 2026. Integrated annual report for FY26 filed on Aug 29.

  • Director Ashish Kundra resigns Aug 20

    Non-Executive Non-Independent Director Ashish Kundra (IAS) resigned effective Aug 20, 2026, citing official engagements.

TL;DR: J&K Bank's recent newsflow is largely procedural, centered around board changes and AGM preparations. The planned ₹1,000 crore capital raise is a constructive signal for growth capacity, and improving ESG metrics add a modest positive. No material headwinds emerged in this period. Investor focus will shift to the Sep 22 AGM outcome and details on how the capital raise is deployed.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
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
Expenses
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
Fin. Margin %
8%
13%
13%
21%
14%
15%
16%
13%
12%
14%
16%
18%
11%
Other Income
230
193
186
229
198
301
242
403
253
157
280
262
217
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
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
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%
Net Profit
331
384
423
633
418
553
529
582
485
495
581
799
429
EPS in Rs
3.21
3.72
3.84
5.75
3.8
5.02
4.8
5.28
4.4
4.49
5.28
7.25
3.89
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
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
Expenses
2,336
2,466
4,431
3,154
3,439
5,234
3,802
3,774
3,567
3,437
3,834
3,741
3,907
Financing Profit
316
245
-1,919
-283
-55
-1,527
-30
137
1,178
1,768
1,966
2,141
2,007
Fin. Margin %
4%
4%
-29%
-4%
-1%
-18%
0%
2%
13%
16%
16%
16%
15%
Other Income
599
509
497
501
817
509
701
753
765
838
1,140
951
918
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
Depreciation
95
64
85
97
104
126
134
144
158
218
168
128
0
PBT
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%
—
Net Profit
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
5.3
11.44
16.08
18.91
21.43
20.91
Div. Payout %
20%
20%
0%
0%
0%
0%
0%
0%
4%
13%
11%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
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
Deposits
66,336
69,379
72,459
80,005
89,637
97,786
1,08,047
1,14,703
1,22,027
1,34,765
1,48,552
1,65,342
Other Liabilities
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
1,01,405
1,08,829
1,20,273
1,30,576
1,45,913
1,54,505
1,69,424
1,88,960
Fixed Assets
655
706
1,479
1,598
1,646
2,036
1,971
1,908
2,224
2,208
2,126
2,445
CWIP
34
59
64
17
29
35
41
46
47
50
66
88
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
Other Assets
52,481
59,156
59,198
69,210
76,589
83,768
87,486
94,837
1,08,860
1,17,347
1,26,110
1,45,906
Total Assets
75,910
80,254
82,012
89,684
1,01,405
1,08,829
1,20,273
1,30,576
1,45,913
1,54,505
1,69,424
1,88,960
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
118
-219
2,457
2,363
-2,992
4,374
-14
-1,568
-407
-853
2,723
-1,126
Investing
-261
-136
-861
-164
-165
-115
-76
-85
-124
-257
-102
-302
Financing
-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
Figures in ₹ Crores

Ratios

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

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

Others5.67%Promot.59.40%DIIs7.84%FIIs9.38%Public17.71%As ofJun 2026

Documents

Frequently Asked Questions about Jammu and Kashmir Bank

What does Jammu and Kashmir Bank Ltd do?
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 ...
Where is Jammu and Kashmir Bank Ltd (J&KBANK) listed?
Jammu and Kashmir Bank Ltd trades as J&KBANK on the NSE and under code 532209 on the BSE.
Which sector does Jammu and Kashmir Bank Ltd belong to?
Jammu and Kashmir Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the market capitalisation of Jammu and Kashmir Bank Ltd?
Jammu and Kashmir Bank Ltd has a market capitalisation of ₹15,841 Cr, which places it in the Mid Cap band.
What is the PE ratio of Jammu and Kashmir Bank Ltd?
Jammu and Kashmir Bank Ltd trades at a PE ratio of 6.95, on earnings per share of ₹16.88, against a book value of ₹140.6 per share.
What is the 52-week high and low of Jammu and Kashmir Bank Ltd?
Over the last 52 weeks Jammu and Kashmir Bank Ltd has traded between ₹97.35 and ₹201.75.
Does Jammu and Kashmir Bank Ltd pay dividends?
Jammu and Kashmir Bank Ltd has a dividend yield of 1.47%.
What is the Return on Equity (ROE) of Jammu and Kashmir Bank Ltd?
Jammu and Kashmir Bank Ltd reported a return on equity of 14.35%. Its debt-to-equity ratio is 0.00.

Company Information

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]

Website jkb.bank.in
Listed 1998-07-22
Face Value ₹ 1
Issued Size 1,10,11,82,463

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