Jammu and Kashmir Bank Ltd (J&KBANK)
₹147.88
Mkt cap
₹16,284 Cr
P/E ratio
7.07
P/B
0.96
Div yield
1.45%
ROE
15.40%
ROCE
5.84%
EPS (TTM)
₹20.92
Book value
₹154
52W range
98–193
Sector
Financial Services
Price history
Previous close
Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations. [1] It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings. The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri. [2]
NSE J&KBANKBSE 532209
Health check
Mixed
ValuationCheap
ProfitabilityWeak
TechnicalsNeutral
52-week range
−23.24% from high₹148
₹98+50.76% from low₹193
Current
₹147.88
Prev close
₹150.02
Day
−1.43%
Price performance
1D
−1.15%
1W
+0.41%
1M
−6.88%
3M
−5.54%
6M
+27.57%
1Y
+48.02%
YTD
+44.47%
Financials
Revenue, profit & margin
P/E ratio
7.1×
J&KBANK is 50% below the sector median of 14.0×
J&KBANK7.1×
Sector median14.0×
| 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 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 | |
| Interest | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 | |
| Expenses | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,075 | 1,061 | 958 | 964 | 889 | 1,095 | |
| Financing Profit | 221 | 352 | 375 | 602 | 415 | 456 | 516 | 406 | 406 | 477 | 527 | 600 | 403 | |
| Financing Margin % | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 14% | 16% | 18% | 11% | |
| Other Income | 230 | 193 | 186 | 229 | 198 | 301 | 242 | 403 | 253 | 157 | 280 | 262 | 217 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 452 | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 | 862 | 621 | |
| Tax % | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% | 27% | 7% | 31% | |
| Net Profit | 331 | 384 | 423 | 633 | 418 | 553 | 529 | 582 | 485 | 495 | 581 | 799 | 429 | |
| EPS in Rs | 3.21 | 3.72 | 3.84 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 | 5.28 | 7.25 | 3.89 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.00% · closed higher next day 23 of last 57
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26† | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 21 Oct '23◦ | 20 Jan '24◦ | 4 May '24◦ | 27 Jul '24◦ | 25 Oct '24◦ | 20 Jan '25◦ | 6 May '25 | 25 Jul '25◦ | 18 Oct '25◦ | 20 Jan '26◦ | 5 May '26◦ | 29 Jul '26 |
| Earnings day | −5.90% | −3.36% | −3.23% | +3.95% | −0.52% | −3.85% | −3.27% | −4.21% | +1.95% | +4.07% | +1.59% | −12.79% |
| +1 day | −6.60% | −1.17% | −7.14% | +3.63% | −1.09% | −7.39% | −4.67% | −2.93% | +2.38% | +8.26% | +3.62% | −13.29% |
| +5 days | −0.19% | +1.66% | −8.36% | +1.84% | +2.53% | −2.30% | +5.46% | −6.07% | +2.77% | +5.49% | −0.47% | −11.75% |
| +15 days | +6.88% | +4.46% | −5.74% | +2.25% | −3.29% | −0.79% | +4.12% | −3.91% | +1.61% | +4.66% | +6.78% | −15.99% |
| +30 days | +6.88% | +4.23% | −13.13% | −2.12% | +7.00% | −5.61% | +6.93% | −7.53% | −1.00% | +19.92% | +20.89% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202659.40%Promoter
Promoters59.40%
FIIs9.38%1.03
DIIs7.85%1.85
Public23.37%2.89
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | ₹710.50 | 13.86 | 10,95,177 | 1.83% | 20,383 | +18.37% | 90,575 | +3.67% | 7.02% |
| ICICIBANK | ₹1,427.50 | 18.27 | 10,24,554 | 0.84% | 16,276 | +13.88% | 52,241 | +6.44% | 7.18% |
| KOTAKBANK | ₹422.10 | 20.96 | 4,19,891 | 0.15% | 5,480 | +22.55% | 18,355 | +6.41% | 6.98% |
| AXISBANK | ₹1,266.00 | 14.19 | 3,94,137 | 0.08% | 7,670 | +22.24% | 35,542 | +9.87% | 6.24% |
| IDBI | ₹90.75 | 10.47 | 97,578 | 2.31% | 2,131 | +5.35% | 7,549 | +7.44% | 5.92% |
| FEDERALBNK | ₹342.00 | 18.05 | 84,545 | 0.35% | 1,302 | +36.78% | 7,862 | +9.94% | 6.39% |
| INDUSINDBK | ₹998.00 | 58.80 | 77,758 | 0.15% | 1,037 | +71.68% | 11,310 | −7.78% | 5.68% |
| J&KBANK | ₹147.88 | 7.07 | 16,284 | 1.45% | 429 | −11.50% | 3,547 | +8.50% | 5.84% |
| Median: 20 Co. | ₹327.38 | 14.02 | 48,696 | 0.71% | 629 | +29.59% | 4,735 | +9.64% | 6.40% |
Filings
Annual reports15
Annual Report 2026bseAnnual Report 2025bseAnnual Report 2024bseAnnual Report 2023bseAnnual Report 2022bseAnnual Report 2021bseAnnual Report 2020bseAnnual Report 2019bseAnnual Report 2018bseAnnual Report 2017bseAnnual Report 2016bseAnnual Report 2015bseAnnual Report 2014bseAnnual Report 2013bseAnnual Report 2012bse
Concall transcripts40
TranscriptAug 2026PPTAug 2026PPTMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024TranscriptJul 2024PPTJul 2024PPTJun 2024TranscriptMay 2024PPTMay 2024TranscriptJan 2024PPTJan 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Change in Management 31 Aug - Two General Managers, Rakesh Koul and Syed Rais Maqbool, retired on August 31, 2026.Announcement under Regulation 30 (LODR)-Change in Directorate 31 Aug - J&K Bank appointed Mr. Tsewang Tharchin as additional rotational director from 31 August 2026, subject to shareholder approval.Announcement under Regulation 30 (LODR)-Newspaper Publication 30 Aug - Newspaper publication regarding 88th Annual General Meeting of the BankReg. 34 (1) Annual Report. 29 AugBusiness Responsibility and Sustainability Reporting (BRSR) 29 Aug - Submitted FY 2025-26 BRSR for 88th AGM, available on bank website.