J&K Bank

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

As of 02-Aug, The Jammu & Kashmir Bank Ltd. has seen its stock price rise to 155.90, reflecting a potential trend reversal after recent declines. Despite a weekly drop of 9.73%, the stock has strong long-term growth indicators and increased institutional investment, suggesting a positive outlook.

As of 02-Aug, The Jammu & Kashmir Bank Ltd. is experiencing a rise in its stock price, currently at 155.90, which reflects an increase of 2.05 (1.33%). This upward movement comes after three consecutive days of decline, indicating a potential trend reversal. The stock has outperformed its sector by 0.96% today and reached an intraday high of Rs 157.15, marking a 2.14% increase.<BR><BR>Despite a recent decline in performance over the past week, where the stock fell by 9.73% compared to a 2.68% rise in the Sensex, it has shown strong long-term growth, with a year-to-date increase of 55.43%. The stock's long-term fundamentals are solid, evidenced by a 34.15% compound annual growth rate (CAGR) in net profits and a low gross non-performing asset (NPA) ratio of 2.37%. Additionally, institutional investors have increased their stake by 2.87% in the previous quarter, indicating growing confidence in the company's prospects.<BR><BR>However, it is important to note that there are risks involved, such as flat results in the most recent quarter, where profit after tax fell by 28.2% compared to the previous four-quarter average. Despite these challenges, the overall market performance and institutional interest suggest a positive outlook for The Jammu & Kashmir Bank Ltd., contributing to the current rise in its stock price.

Which are the latest news on J&K Bank?

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.

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

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.

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

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.