J&K Bank

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

As of 24-Jun, The Jammu & Kashmir Bank Ltd. is facing a stock price decline to 159.40, down 0.34%, with short-term underperformance and decreased investor participation. Despite a strong long-term performance with a year-to-date increase of 58.92%, recent trends indicate cautious market sentiment.

As of 24-Jun, The Jammu & Kashmir Bank Ltd. is experiencing a decline in its stock price, currently at 159.40, which reflects a change of -0.55 (-0.34%). This downward movement can be attributed to several factors. The stock has been underperforming in the short term, having fallen consecutively for the last three days, resulting in a total decline of -2.39% during this period. Additionally, the stock's performance today has underperformed the sector by -0.83%.<BR><BR>Investor participation appears to be decreasing, as evidenced by a drop in delivery volume by -8.69% compared to the 5-day average. Although the stock is still trading above its longer-term moving averages (20-day, 50-day, 100-day, and 200-day), it is currently below its 5-day moving average, indicating a short-term weakness.<BR><BR>Despite these short-term challenges, it is important to note that The Jammu & Kashmir Bank Ltd. has shown strong long-term performance, with a year-to-date increase of +58.92% and a 1-year return of +49.46%. However, the recent price decline suggests that current market sentiment may be cautious, possibly influenced by the recent consecutive falls and reduced trading activity.

Which are the latest news on J&K Bank?

How big is J&K Bank?

As of 10th June, J&K Bank has a market capitalization of 17,134.00 Cr, categorized as a Small Cap company, with a Net Profit of 2363.48 Cr for the latest four quarters and Total Assets of 1,69,468.46 Cr as of March 2025. There is no valid Net Sales data available.

As of 10th June, <BR><BR>Market Cap: The Jammu & Kashmir Bank Ltd. has a market capitalization of 17,134.00 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 reported at 2363.48 Cr.<BR><BR>Balance Sheet Snapshot: The latest annual period is for March 2025, with Shareholder's Funds amounting to 14,251.94 Cr and Total Assets valued at 1,69,468.46 Cr.

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

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

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><BR>Additionally, there are several independent directors on the board:<BR><BR>- **Rajeev Lochan Bishnoi**<BR>- **Anil Kumar Goel**<BR>- **Umesh Chandra Pandey**<BR>- **Naba Kishore Sahoo**<BR>- **Anand Kumar**<BR>- **Shahla Ayoub**<BR><BR>There are also additional directors, including **Pawan Kotwal** and **Mandeep Kumar Bhandari**. This diverse team plays a crucial role in overseeing the operations and strategic direction of the bank.

Who are the peers of the J&K Bank?

J&K Bank's peers include IDFC First Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, T N Merc. Bank, South Ind. Bank, Karnataka Bank, CSB Bank, and DCB Bank. In terms of performance, J&K Bank shows good management and growth, with a 1-year return of 40.25%, while T N Merc. Bank leads with a 69.28% return.

Peers: The peers of J&K Bank are IDFC First Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, T N Merc. Bank, South Ind.Bank, Karnataka Bank, CSB Bank, and DCB Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank, Karur Vysya Bank, and South Ind.Bank, while Average management risk is found at IDFC First Bank, RBL Bank, T N Merc. Bank, and CSB Bank. Good management risk is present at J&K Bank, City Union Bank, Karnataka Bank, and DCB Bank. For growth, Excellent growth is seen at IDFC First Bank, Karur Vysya Bank, and CSB Bank, while Below Average growth is noted at Bandhan Bank. Good growth is exhibited by J&K Bank, RBL Bank, City Union Bank, South Ind.Bank, and Karnataka Bank, and Average growth is found at T N Merc. Bank. In terms of capital structure, Excellent capital structure is observed at Bandhan Bank, Karur Vysya Bank, City Union Bank, South Ind.Bank, and Karnataka Bank, while Good capital structure is seen at IDFC First Bank, RBL Bank, J&K Bank, and DCB Bank, and Average capital structure is noted at T N Merc. Bank and CSB Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is T N Merc. Bank at 69.28%, while the lowest is CSB Bank at -7.21%. J&K Bank's 1-year return of 40.25% is significantly higher than CSB Bank's but lower than T N Merc. Bank's. Additionally, CSB Bank is the only peer with a negative six-month return.

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 March 2026, it reported net sales of ₹3,271.67 Cr and a net profit of ₹798 Cr, with a market capitalization of ₹17,134 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 March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3,271.67 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 798 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 17,134 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 1.37% <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

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.

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.