J&KBANK

The Jammu & Kashmir Bank Ltd.

NSE: J&KBANK

BSE: 532209

Sector: Financial Services

Industry Group: Banks

Industry: Private Sector Bank

113.09-22.0 (-16.28%)

23 Oct, 12:00 AM

Overview Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

26.0 / 100

Value Score

86.9 / 100

Price Momentum Score

50.2 / 100

QVM Score

56.2 / 100

Key Metrics

Market Cap

12453.30

P/E (TTM)

5.27

P/B

0.71

P/S (TTM)

0.90

EV/EBITDA

3.34

CAPE (5Y)

6.95

ROE (TTM)

14.54

ROCE (TTM)

14.95

ROA (TTM)

1.25

Avg 3Y ROE

15.73

Earnings 3Y CAGR

12.64

Sales 3Y CAGR

5.80

Sales 5Y CAGR

8.25

Debt/Equity

0.31

Consensus TP

218.00

Strong Buy %

Promoter Holding

59.40

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of The Jammu & Kashmir Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.71 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -39.83%

What is P/B Ratio?

Median: 1.18

Value 0.71

0.712.56

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 5.3% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Reasonable Gross NPA, and decreasing

The company has reasonable Gross NPA of 2.37% as on 30 Sep 2026 but Gross NPA decreased by 0.95 in the last 1 year

What is Gross NPA (%)?

Consistently pays dividend

The company has not missed dividend payments once in the last 3 financial years

What is Dividend streak?

Negative

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of 1.5% for 12-month ended 30 Sep 2026 and the growth was 7.48 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 8.98

Value 1.5

-1.2122.45

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Moderate and stable Net Interest Margin (NIM)

The company reported moderate Net Interest Margin (NIM) of 3.51% for 12-month ended 30 Sep 2026 and Net Interest Margin (NIM) declined marginally by -43 bps from 1 year ago

What is Net interest margin?

Moderate and stable ROE

The company reported moderate ROE of 14.54% for 12-month ended 30 Sep 2026 and ROE declined marginally by -25 bps from 1 year ago

What is ROE (FY)?

Moderate EPS growth and in line with median growth of industry

The company delivered moderate EPS growth of 12.97% for 12-month ended 30 Sep 2026 and the growth was 0.0 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Financial Snapshot

See detailed analysis

Multi-year trends for The Jammu & Kashmir Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

The Jammu & Kashmir Bank Ltd. Shareholding Pattern

Quarterly breakdown of The Jammu & Kashmir Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	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	Sep 2026
Total Promoter	68.18	68.18	68.18	68.18	68.18	68.18	74.23	70.12	70.12	68.03	68.03	68.03	63.41	63.41	63.41	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40
Indian Promoter	68.18	68.18	68.18	68.18	68.18	68.18	74.23	70.12	70.12	68.03	68.03	68.03	63.41	63.41	63.41	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	15.40	11.94	7.17	5.97	3.78	2.01	1.55	0.93	0.92	1.70	2.94	4.74	4.91	4.62	7.53	13.62	14.88	13.90	12.86	13.64	14.34	13.88	13.61	13.97	14.34	17.22	19.04
Mutual Funds / UTI	2.80	1.50	0.07	0.12	0.19	0.22	0.16	0.23	0.21	-	-	0.69	0.92	0.92	3.15	5.02	5.07	3.68	3.63	3.77	3.88	3.49	3.52	3.74	3.89	6.36	6.35
FI/Bank/Insurance	2.21	2.26	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.12	1.98	1.64	1.51	1.43	2.35	2.49	2.73	2.69	2.63	2.59	2.14	2.07	1.97	1.78	1.00	0.67
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	10.40	8.19	7.09	5.85	3.59	1.79	1.39	0.70	0.71	0.76	0.82	1.96	2.24	2.19	2.61	5.80	6.99	7.16	6.47	7.07	7.64	8.01	7.85	8.14	8.35	9.38	11.62
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.93	0.00	0.11	0.10	0.00	0.34	0.44	0.34	0.33	0.09	0.17	0.22	0.24	0.17	0.13	0.33	0.49	0.40
Non-Institution	16.42	19.88	24.65	25.85	28.04	29.81	24.22	28.96	28.96	30.27	29.03	27.23	31.68	31.97	29.06	26.98	25.72	26.70	27.74	26.96	26.26	26.72	26.99	26.63	26.25	23.38	21.56
Bodies Corporate	1.35	1.90	1.89	2.07	2.22	2.77	2.38	2.60	2.51	2.35	2.47	2.90	2.65	2.84	2.39	2.53	2.26	2.41	2.54	2.35	2.29	2.41	2.55	2.29	2.66	2.53	2.10
Others (incl. Retail) No. of shareholders	15.07 1,00,572	17.98 99,208	22.76 1,06,723	23.78 1,33,304	25.82 1,41,730	27.04 1,73,909	21.84 1,72,297	26.36 1,83,668	26.45 1,92,015	27.92 1,95,353	26.56 1,88,961	24.33 1,68,872	29.03 1,71,394	29.13 1,71,437	26.67 1,87,812	24.45 2,03,366	23.46 2,14,466	24.29 2,53,722	25.20 2,77,052	24.61 2,81,762	23.97 2,79,263	24.31 2,64,960	24.44 2,60,919	24.34 2,53,184	23.59 2,39,273	20.85 2,18,321	19.46 2,15,125

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in The Jammu & Kashmir Bank Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
GRAVITON RESEARCH CAPITAL LLP	02 Aug 2024	buy	₹ 117.43	59.06 lac	₹ 69.36 cr
GRAVITON RESEARCH CAPITAL LLP	02 Aug 2024	sell	₹ 117.45	59.06 lac	₹ 69.37 cr

Corporate Actions

History of The Jammu & Kashmir Bank Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 2.15/share
Record date: 19th Aug 2025Ex-date: 19th Aug 2025
Announced on: 5th May 2025
Dividend₹ 2.15/share
Record date: 10th Aug 2024Ex-date: 9th Aug 2024
Announced on: 4th May 2024
Dividend₹ 0.50/share
Record date: 17th Aug 2023Ex-date: 17th Aug 2023
Announced on: 4th May 2023
Dividend₹ 1.75/share
Record date: 12th Jul 2016Ex-date: 11th Jul 2016
Announced on: 24th May 2016
Dividend₹ 2.10/share
Record date: 14th Aug 2015Ex-date: 13th Aug 2015
Announced on: 16th May 2015

Company Profile

Overview of The Jammu & Kashmir Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Jammu and Kashmir Bank Limited (the Bank) is engaged in banking and financial services. Its segments include Retail, Corporate and Treasury. The Bank offers a range of products and services, such as loans, personal accounts, term deposits, insurance, cards, business accounts, agriculture loans and o...

Key personnel

Mr. Ketan Kumar Joshi

Chief Financial Officer

Mr. Mohammad Shafi Mir

Compliance Officer, Company Secretary

Shri. Sankarasubramanian KrishnanD

Non-Executive Part Time Independent Chairman of the Board

Mr. Amitava ChatterjeeD

Chief Executive Officer, Managing Director, Executive Director

Mr. Sudhir GuptaD

Executive Director

Mr. Rajeev GuptaD

Additional Director

Mr. Shailendra KumarD

Government Nominee Director

Mr. Tsewang TharchinD

Additional Director

View all

Incorporated on

01 Oct 1938

Last Annual

31 Mar 2026

Last Interim

30 Sep 2026

No. of Employees

11,935

IPO date

03 Aug 1998

Free Float

39,28,71,955

Website

https://www.jkbank.com/

Phone no.

+911942481928

Address

M A Road, SRINAGAR, 190001, India

Frequently Asked Questions

What is the current share price of The Jammu & Kashmir Bank Ltd.?

The current share price of The Jammu & Kashmir Bank Ltd. is ₹ 113.09 as of 23 Oct 2026.

What is the market capitalisation of The Jammu & Kashmir Bank Ltd.?

The market capitalisation of The Jammu & Kashmir Bank Ltd. stands at ₹ 12,453.30 Cr.

What is the PE ratio of The Jammu & Kashmir Bank Ltd.?

The Price-to-Earnings (PE) ratio of The Jammu & Kashmir Bank Ltd. is 5.27 as of the latest trailing twelve months data.

What is the ROE and ROCE of The Jammu & Kashmir Bank Ltd.?

The Jammu & Kashmir Bank Ltd. has a Return on Equity (ROE) of 14.54% and a Return on Capital Employed (ROCE) of 14.95% as per the latest financial reports.

What is the 52-week high and low of The Jammu & Kashmir Bank Ltd.?

The 52-week high of The Jammu & Kashmir Bank Ltd. is - and the 52-week low is -.

What is the dividend yield of The Jammu & Kashmir Bank Ltd.?

The dividend yield of The Jammu & Kashmir Bank Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in The Jammu & Kashmir Bank Ltd.?

Foreign Institutional Investors (FII) hold 11.62%, Domestic Institutional Investors (DII) hold 7.02% and retail/public investors hold 19.46% of The Jammu & Kashmir Bank Ltd. shares.

What sector does The Jammu & Kashmir Bank Ltd. belong to?

The Jammu & Kashmir Bank Ltd. operates in the Financial Services sector.

What is the beta of The Jammu & Kashmir Bank Ltd.?

The beta of The Jammu & Kashmir Bank Ltd. is 1.31, indicating its price volatility relative to the broader market. Over the past 1 year, The Jammu & Kashmir Bank Ltd. has delivered an absolute return of 6.89%.

What is the RSI of The Jammu & Kashmir Bank Ltd.?

The 14-day Relative Strength Index (RSI) of The Jammu & Kashmir Bank Ltd. is 20.86, placing it in the oversold zone. An RSI above 70 is considered overbought and below 30 is considered oversold.