J&K Bank

Which are the latest news on J&K Bank?

Why is The Jammu & Kashmir Bank Ltd. falling/rising?

As of 02-Jun, The Jammu & Kashmir Bank Ltd. is seeing a stock price increase to 141.85, driven by strong performance metrics, increased investor interest, and solid fundamentals, including a year-to-date gain of 41.43%. The stock is nearing its 52-week high and trading above key moving averages, indicating bullish momentum.

As of 02-Jun, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 141.85, with a change of 0.25 (0.18%) upward. This positive movement can be attributed to several factors. <BR><BR>Firstly, the stock has shown strong performance compared to the benchmark Sensex, with a 1-week return of +1.21% while the Sensex has declined by -1.79%. Over the past month, the stock has increased by +10.00%, contrasting with a -2.94% drop in the Sensex. Year-to-date, it has surged by +41.43%, significantly outperforming the Sensex's -12.40% return. <BR><BR>Additionally, the stock is close to its 52-week high, being only 1.86% away from Rs 145, indicating strong upward momentum. The stock has also been gaining for the last two days, with a total return of +1.53% during this period. It is trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which is a bullish indicator.<BR><BR>Investor participation has increased, as evidenced by a delivery volume of 19.84 lacs on June 1, which is up by 30.63% compared to the 5-day average. This suggests growing interest and confidence among investors. Furthermore, the stock's liquidity is adequate for trading, with a value of Rs 1.02 crore based on 2% of the 5-day average traded value.<BR><BR>The company's strong fundamentals also support the stock's rise. It boasts a high return on assets (ROA) of 1.55%, and its net profit has grown at an annual rate of 40.47%. The recent positive financial results, including a highest credit-deposit ratio and operating profit to net sales, further enhance its attractiveness. <BR><BR>Overall, the combination of strong performance metrics, increased investor participation, and solid fundamentals contributes to the rising stock price of The Jammu & Kashmir Bank Ltd.

Should I buy, sell or hold The Jammu & Kashmir Bank Ltd.?

Are The Jammu & Kashmir Bank Ltd. latest results good or bad?

The latest results for The Jammu & Kashmir Bank Ltd. are mixed; while net profit rose significantly and asset quality improved, total income declined, raising concerns about future sustainability. Investors should consider both the positive profitability metrics and the revenue challenges.

The latest results for The Jammu & Kashmir Bank Ltd. present a mixed picture. On one hand, the bank reported a strong net profit of ₹797.80 crore for Q4 FY26, reflecting a significant increase of 35.97% quarter-on-quarter and 36.48% year-on-year. Additionally, the gross non-performing assets (NPA) ratio improved to 2.50%, the lowest in recent quarters, and the return on equity (ROE) stood at a solid 13.66%, indicating effective capital utilization.<BR><BR>However, there are concerns regarding revenue performance. Total income decreased by 1.68% sequentially and 2.28% year-on-year, marking the first instance of negative year-on-year growth in recent quarters. This decline raises questions about the sustainability of the bank's profitability, despite the positive trends in net profit and asset quality.<BR><BR>In summary, while the bank's profitability metrics and asset quality have shown impressive improvement, the contraction in total income suggests potential challenges ahead. Investors should weigh these factors carefully when assessing the overall performance of the bank.

When is the next results date for The Jammu & Kashmir Bank Ltd.?

The next results date for The Jammu & Kashmir Bank Ltd. is 05 May 2026.

The next results date for The Jammu & Kashmir Bank Ltd. is scheduled for 05 May 2026.

Is J&K Bank technically bullish or bearish?

As of December 1, 2025, J&K Bank's technical trend is mildly bullish, supported by bullish daily moving averages and a bullish weekly MACD, despite mixed signals from the monthly MACD and KST.

As of 1 December 2025, the technical trend for J&K Bank has changed from bullish to mildly bullish. The weekly MACD remains bullish, while the monthly MACD is mildly bearish, indicating mixed signals across time frames. The daily moving averages are bullish, supporting the mildly bullish stance. The Bollinger Bands show a bullish trend on the monthly chart but are sideways on the weekly, suggesting some consolidation. The KST is bullish weekly but mildly bearish monthly, further contributing to the mixed outlook. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages and the weekly MACD.

How has been the historical performance of J&K Bank?

J&K Bank has shown consistent growth from March 2021 to March 2025, with significant increases in interest earned, net interest income, total income, and profits, alongside an expansion in total assets and liabilities. Overall, the bank's performance reflects strong financial health and profitability.

Answer:<BR>The historical performance of J&K Bank shows a consistent growth trend in various financial metrics over the years, particularly from March 2021 to March 2025.<BR><BR>Breakdown:<BR>J&K Bank's interest earned has increased significantly from INR 8,111.09 crore in March 2021 to INR 12,535.86 crore in March 2025, indicating a strong upward trajectory. The net interest income also rose from INR 3,770.78 crore in March 2021 to INR 5,793.82 crore in March 2025, reflecting improved profitability. The total income followed a similar trend, growing from INR 8,803.17 crore in March 2021 to INR 13,672.67 crore in March 2025. Profit before tax surged from INR 534.07 crore in March 2021 to INR 2,933.70 crore in March 2025, while profit after tax increased from INR 432.12 crore to INR 2,082.46 crore over the same period. The bank's total assets expanded from INR 1,20,291.95 crore in March 2021 to INR 1,69,468.46 crore in March 2025, and total liabilities also grew from INR 1,20,291.95 crore to INR 1,69,468.46 crore. Cash and cash equivalents improved, with a closing balance of INR 9,759 crore in March 2025, up from INR 9,497 crore in March 2021. Overall, J&K Bank has demonstrated robust growth in income, profit, and asset management, positioning itself favorably in the financial landscape.

Is J&K Bank overvalued or undervalued?

As of October 16, 2025, J&K Bank is considered attractive and undervalued with a PE ratio of 5.46, a Price to Book Value of 0.80, and a PEG ratio of 0.34, outperforming the Sensex with a 3-year return of 275.88%.

As of 16 October 2025, the valuation grade for J&K Bank has moved from very attractive to attractive. The company is currently considered undervalued. Key ratios include a PE ratio of 5.46, a Price to Book Value of 0.80, and a PEG ratio of 0.34. In comparison to its peers, SBI is deemed expensive with a PE ratio of 11.21, while Bank of Baroda is attractive with a PE of 7.00.<BR><BR>J&K Bank's strong performance is further highlighted by its return on equity of 14.56% and a net NPA to book value of 5.61%. The stock has outperformed the Sensex over various periods, notably with a 3-year return of 275.88% compared to the Sensex's 44.11%, reinforcing its undervaluation narrative.

How big is J&K Bank?

As of 24th July, Jammu & Kashmir Bank Ltd. has a market capitalization of 12,333.00 Cr and reported a net profit of 2,082.46 Cr for the latest four quarters, with total assets valued at 1,54,526.59 Cr. There is no valid net sales data available.

As of 24th July, <BR><BR>Market Cap: The Jammu & Kashmir Bank Ltd. has a market capitalization of 12,333.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for summing, resulting in a figure of 0.00 Cr. However, the Net Profit for the latest four quarters is 2,082.46 Cr.<BR><BR>Balance Sheet Snapshot: The latest annual reporting period is March 2024. Shareholder's Funds stand at 12,235.68 Cr, while Total Assets are valued at 1,54,526.59 Cr.

What does J&K Bank do?

Jammu & Kashmir Bank Ltd. is a mid-cap private sector bank established in 1938, serving as an agency bank for the Government of Jammu & Kashmir and Ladakh. As of March 2025, it reported net sales of ₹3,211.85 crore and a net profit of ₹585 crore.

Overview:<BR>The Jammu & Kashmir Bank Ltd. is a Scheduled Commercial Bank operating in the private sector, categorized as a mid-cap entity.<BR><BR>History:<BR>Incorporated in October 1938, J&K Bank is one of the oldest private sector banks in India. It is designated as an agency bank by the Reserve Bank of India for conducting banking business for the Government of Jammu & Kashmir and Ladakh. The latest quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,211.85 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 585 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 12,564 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 1.90% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Address: Moulana Azad Road, Srinagar Jammu & Kashmir: 190001 <BR>Phone: 91-194-2481930-35 Extn 1541-1547 <BR>Email: sharedeptt_gc@jkbmail.com <BR>Website: http://www.jkbank.net

Who are the top shareholders of the J&K Bank?

The top shareholders of J&K Bank include the Chief Secretary of Jammu and Kashmir with 51.89%, followed by foreign institutional investors at 8.01%, mutual funds at 3.49%, and Kotak Mahindra Trustee Co Ltd at 3.27%. Individual investors collectively hold 21.26% of the bank's shares.

The top shareholders of J&K Bank include the Chief Secretary of the Jammu and Kashmir Government, who holds the largest stake at 51.89%. Other significant shareholders include mutual funds, which collectively hold 3.49% through 15 schemes, and foreign institutional investors (FIIs), who own 8.01% through 161 FIIs. The highest public shareholder is Kotak Mahindra Trustee Co Ltd, which holds 3.27%. Additionally, individual investors collectively account for 21.26% of the bank's shares.

Who are in the management team of J&K Bank?

As of March 2023, the management team of J&K Bank includes Baldev Prakash (MD & CEO), Mohammad Shafi Mir (Company Secretary), R K Chhibber (Director), Sudhir Gupta (Executive Director), and additional directors Pawan Kotwal and Mandeep Kumar Bhandari, along with several independent directors. This team is responsible for the bank's governance and strategic direction.

As of March 2023, the management team of J&K Bank includes the following individuals:<BR><BR>1. **Baldev Prakash** - Managing Director & CEO<BR>2. **Mohammad Shafi Mir** - Company Secretary & Compliance Officer<BR>3. **R K Chhibber** - Director<BR>4. **Sudhir Gupta** - Executive Director<BR>5. **Pawan Kotwal** - Additional Director<BR>6. **MANDEEP KUMAR BHANDARI** - Additional Director<BR><BR>Additionally, the board features several independent directors:<BR>1. **Rajeev Lochan Bishnoi**<BR>2. **Anil Kumar Goel**<BR>3. **Umesh Chandra Pandey**<BR>4. **Naba Kishore Sahoo**<BR>5. **Anand Kumar**<BR>6. **Shahla Ayoub**<BR><BR>This diverse team plays a crucial role in the governance and strategic direction of the bank.

Has J&K Bank declared dividend?

Yes, J&K Bank has declared a 215% dividend, amounting to ₹2.15 per share, with an ex-date of August 9, 2024. The bank's total returns have shown significant growth over longer periods, despite some short-term fluctuations.

The Jammu & Kashmir Bank Ltd. has declared a 215% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 215%<BR>- Amount per share: 2.15 per share<BR>- Ex-date: 09 Aug 2024<BR><BR>Dividend Yield: 2.06%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 1.52%, with a dividend return of 0%, resulting in a total return of 1.52%.<BR><BR>For the 1-year period, the price return was -9.53%, the dividend return was 1.77%, leading to a total return of -7.76%.<BR><BR>Over the 2-year period, the price return was 90.33%, with a dividend return of 3.79%, culminating in a total return of 94.12%.<BR><BR>In the 3-year period, the price return was 269.91%, the dividend return was 8.76%, resulting in a total return of 278.67%.<BR><BR>For the 4-year period, the price return was 268.03%, with a dividend return of 5.21%, leading to a total return of 273.24%.<BR><BR>In the 5-year period, the price return was 645.18%, the dividend return was 11.94%, culminating in a total return of 657.12%.<BR><BR>Overall, J&K Bank has declared a significant dividend, and the total returns over various periods show substantial growth, particularly over longer durations, indicating a strong performance despite some short-term fluctuations.

Who are the peers of the J&K Bank?

J&K Bank's peers include HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, South Ind. Bank, Karnataka Bank, T N Merc. Bank, CSB Bank, and DCB Bank. J&K Bank has good management and growth ratings but a low 1-year return of -22.97%, significantly below its peers, with ICICI Bank leading at 24.06%.

Peers: The peers of J&K Bank are HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, South Ind.Bank, Karnataka Bank, T N Merc. Bank, CSB Bank, and DCB Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at HDFC Bank and ICICI Bank, while Good management risk is found at J&K Bank, Axis Bank, South Ind.Bank, Karnataka Bank, and DCB Bank, and Average management risk is seen at IDBI Bank, T N Merc. Bank, and CSB Bank. Excellent growth is noted at HDFC Bank, ICICI Bank, and CSB Bank, while Good growth is found at J&K Bank, Kotak Mah. Bank, Axis Bank, South Ind.Bank, Karnataka Bank, and DCB Bank, and Average growth is observed at T N Merc. Bank. Excellent capital structure is present at HDFC Bank, ICICI Bank, Axis Bank, IDBI Bank, South Ind.Bank, T N Merc. Bank, CSB Bank, and DCB Bank, while Good capital structure is seen at J&K Bank, Kotak Mah. Bank, and Karnataka Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is ICICI Bank at 24.06%, while J&K Bank has the lowest at -22.97%. J&K Bank's return is significantly lower than its peers. Additionally, Karnataka Bank and T N Merc. Bank have negative six-month returns.