J&K Bank

Which are the latest news on J&K Bank?

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

As of 05-Sep, The Jammu & Kashmir Bank Ltd. is seeing a stock price increase to 150.05, driven by strong investor interest and solid financial performance, including a low Gross NPA ratio and significant year-over-year returns. The stock has outperformed the market, reflecting growing confidence among institutional investors.

As of 05-Sep, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 150.05, with a change of 0.4 (0.27%) upwards. This upward movement can be attributed to several factors. The stock has been gaining for the last two days, showing a return of 3.53% during this period. Additionally, the stock's performance today is in line with its sector, indicating a stable market environment.<BR><BR>Investor participation has also increased, with a notable rise in delivery volume by 91.59% against the 5-day average, suggesting growing interest among investors. Furthermore, the bank's strong lending practices are reflected in its low Gross NPA ratio of 2.37%, which contributes to its positive outlook. The company has demonstrated robust long-term growth, with a compound annual growth rate (CAGR) of 34.15% in net profits, and a return on assets (ROA) of 1.2, indicating an attractive valuation.<BR><BR>Institutional investors have increased their stake by 2.87% over the previous quarter, now holding 17.22% of the company, which often signals confidence in the company's fundamentals. The stock has outperformed the broader market significantly, generating a return of 49.75% over the past year, compared to the market's return of only 1.51%. These factors collectively contribute to the rising stock price of The Jammu & Kashmir Bank Ltd.

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

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 combines diverse expertise to oversee the bank's operations and governance.

The management team of J&K Bank includes the following key members:<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, there are several independent directors on the board:<BR>- **Rajeev Lochan Bishnoi**<BR>- **Anil Kumar Goel**<BR>- **Umesh Chandra Pandey**<BR>- **Naba Kishore Sahoo**<BR>- **Anand Kumar**<BR>- **Shahla Ayoub**<BR><BR>This diverse team brings a range of expertise and experience to the bank's operations and governance.

What does J&K Bank do?

Jammu & Kashmir Bank Ltd. is a private sector scheduled commercial bank established in 1938, serving as an agency bank for the Government of Jammu & Kashmir and Ladakh. As of June 2026, it reported net sales of ₹3,546 Cr and a net profit of ₹424 Cr, with a market cap of ₹16,220 Cr.

Overview:<BR>The Jammu & Kashmir Bank Ltd. is a Scheduled Commercial Bank operating in the private sector, categorized as a small-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 by the Reserve Bank of India as an agency bank for conducting banking business for the Government of Jammu & Kashmir and Ladakh. The latest quarterly results reported are for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,546.00 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 424 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 16,220 Cr (Small Cap)<BR><BR>Key Metrics:<BR>Industry: Private Sector Bank <BR>Market cap: INR 16,220 Cr <BR>Dividend Yield: 0.00% <BR>CAR: 14.78% <BR>Return on Assets: 1.22% <BR>Net NPA: 0.60% <BR>Gross NPA: 2.37% <BR><BR>Contact Details:<BR>Address: Moulana Azad Road, Srinagar Jammu & Kashmir: 190001 <BR>Tel: 91-194-2481930-35 Extn 1541-1547 <BR>Email: sharedeptt_gc@jkbmail.com <BR>Website: http://www.jkbank.net

Who are the peers of the J&K Bank?

J&K Bank's peers include Yes Bank, RBL Bank, Karur Vysya Bank, Bandhan Bank, and others. In terms of performance, J&K Bank has a 1-year return of 49.42%, with management risk rated as good and capital structure rated as good compared to its peers.

Peers: The peers of J&K Bank are Yes Bank, RBL Bank, Karur Vysya Bank, Bandhan Bank, City Union Bank, T N Merc. Bank, Karnataka Bank, South Ind.Bank, DCB Bank, and CSB Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Karur Vysya Bank, while Average management risk is found at Yes Bank, RBL Bank, T N Merc. Bank, and the rest. Good management risk is noted at Bandhan Bank, City Union Bank, J&K Bank, Karnataka Bank, South Ind.Bank, DCB Bank, and the rest. For growth, Excellent growth is seen at Karur Vysya Bank, while Good growth is noted at Yes Bank, RBL Bank, Bandhan Bank, City Union Bank, J&K Bank, Karnataka Bank, South Ind.Bank, DCB Bank, and the rest. Below Average growth is found at Bandhan Bank, and Average growth is noted at T N Merc. Bank, while the rest are categorized as Average. Capital Structure ratings show Excellent at RBL Bank, Karur Vysya Bank, Bandhan Bank, City Union Bank, Karnataka Bank, South Ind.Bank, and DCB Bank, while Good is observed at Yes Bank, J&K Bank, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is T N Merc. Bank at 120.17%, while Bandhan Bank has the lowest at 1.27%. J&K Bank's 1-year return of 49.42% is significantly higher than Bandhan Bank's but lower than T N Merc. Bank's. Additionally, Bandhan Bank is the only peer with a negative six-month return.

How big is J&K Bank?

As of 31st August, J&K Bank has a market capitalization of 16,220.00 Cr, categorizing it as a Small Cap company, with a Net Profit of 2302.82 Cr over the latest four quarters and Shareholder's Funds of 14,251.94 Cr against Total Assets of 1,69,468.46 Cr.

As of 31st August, <BR><BR>Market Cap: The Jammu & Kashmir Bank Ltd. has a market capitalization of 16,220.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: There is no valid Net Sales data found for summing, resulting in a value of 0.00 Cr. The Net Profit for the latest 4 quarters is 2302.82 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. The Shareholder's Funds amount to 14,251.94 Cr, while the Total Assets stand at 1,69,468.46 Cr.

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 concerning, with a net profit decline of 46.83% quarter-on-quarter and 12.51% year-on-year, despite slight improvements in net interest income and asset quality. Overall, the significant drop in profitability and margin compression may be viewed unfavorably by investors.

The latest results for The Jammu & Kashmir Bank Ltd. indicate a challenging quarter. The bank reported a net profit of ₹424.18 crore for Q1 FY27, which represents a significant decline of 46.83% quarter-on-quarter and 12.51% year-on-year. This sharp drop in profitability is concerning, especially following a strong performance in the previous quarter where net profit had surged.<BR><BR>On a more positive note, the bank's net interest income increased slightly by 0.65% quarter-on-quarter to ₹1,497.12 crore, and the gross non-performing asset (NPA) ratio improved to a record low of 2.37%, down from 2.50%. This reflects an improvement in asset quality, which is a bright spot amidst the overall disappointing results.<BR><BR>However, the decline in net interest margin to 3.28%, down 24 basis points from the previous quarter, suggests that the bank is facing pressure on its profitability. The operating profit before provisions also fell by 22.79%, indicating challenges in maintaining operational efficiency.<BR><BR>Overall, while the bank has shown improvements in asset quality, the substantial decline in net profit and margin compression raises concerns about its ability to sustain profitability moving forward. Investors may view these results as unfavorable, especially given the volatility in the stock price following the announcement.

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

The next results date for The Jammu & Kashmir Bank Ltd. is 29 July 2026.

The next results date for The Jammu & Kashmir Bank Ltd. is scheduled for 29 July 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.

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.

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.