Jammu and Kashmir Bank Ltd (J&KBANK)
₹117.19
Mkt cap
₹12,905 Cr
P/E ratio
5.46
P/B
0.74
Div yield
0.00%
ROE
15.40%
ROCE
5.84%
EPS (TTM)
₹21.46
Book value
₹159
52W range
97–202
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
−41.91% from high₹117
₹97+20.38% from low₹202
Current
₹117.19
Prev close
₹122.25
Day
−4.14%
Price performance
1D
−4.34%
1W
+3.41%
1M
−15.57%
3M
−23.93%
6M
−13.14%
1Y
+9.16%
YTD
+14.49%
Financials
Revenue, profit & margin
P/E ratio
5.5×
J&KBANK is 55% below the sector median of 12.1×
J&KBANK5.5×
Sector median12.1×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 | 3,729 | |
| Interest | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 | 2,225 | |
| Expenses | 982 | 906 | 705 | 954 | 980 | 996 | 1,075 | 1,061 | 957 | 964 | 889 | 1,095 | 1,104 | |
| Financing Profit | 352 | 375 | 602 | 415 | 456 | 516 | 406 | 406 | 479 | 527 | 600 | 403 | 400 | |
| Financing Margin % | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 15% | 16% | 18% | 11% | 11% | |
| Other Income | 193 | 186 | 229 | 198 | 301 | 242 | 403 | 253 | 156 | 280 | 262 | 217 | 318 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 | 862 | 621 | 718 | |
| Tax % | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% | 27% | 7% | 31% | 24% | |
| Net Profit | 384 | 423 | 633 | 418 | 553 | 529 | 582 | 485 | 495 | 581 | 799 | 429 | 553 | |
| EPS in Rs | 3.72 | 3.84 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 | 5.28 | 7.25 | 3.89 | 5.02 | |
| 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 −0.01% · closed higher next day 23 of last 58
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26† | Q1FY27 | Q2FY27† | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 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 | 22 Oct '26 |
| Earnings day | −3.36% | −3.23% | +3.95% | −0.52% | −3.85% | −3.27% | −4.21% | +1.95% | +4.07% | +1.59% | −12.79% | −0.31% |
| +1 day | −1.17% | −7.14% | +3.63% | −1.09% | −7.39% | −4.67% | −2.93% | +2.38% | +8.26% | +3.62% | −13.29% | −16.54% |
| +5 days | +1.66% | −8.36% | +1.84% | +2.53% | −2.30% | +5.46% | −6.07% | +2.77% | +5.49% | −0.47% | −11.75% | −9.78% |
| +15 days | +4.46% | −5.74% | +2.25% | −3.29% | −0.79% | +4.12% | −3.91% | +1.61% | +4.66% | +6.78% | −15.99% | — |
| +30 days | +4.23% | −13.13% | −2.12% | +7.00% | −5.61% | +6.93% | −7.53% | −1.00% | +19.92% | +20.89% | −17.76% | — |
| 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 Sep 202659.40%Promoter
Promoters59.40%
FIIs11.62%2.24
DIIs7.42%0.43
Public21.57%1.80
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 |
|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank | ₹692.80 | 13.34 | 10,68,834 | 1.88% | 21,537 | +5.55% | 95,132 | +9.35% | 7.02% |
| ICICI Bank | ₹1,398.00 | 17.00 | 10,03,901 | 0.86% | 17,389 | +22.28% | 55,992 | +16.21% | 7.18% |
| Kotak Mah. Bank | ₹461.60 | 21.65 | 4,59,194 | 0.14% | 5,645 | +26.34% | 19,856 | +15.45% | 6.98% |
| Axis Bank | ₹1,217.00 | 12.65 | 3,78,983 | 0.08% | 7,666 | +39.38% | 38,087 | +17.88% | 6.24% |
| IDBI Bank | ₹80.32 | 10.40 | 86,363 | 0.00% | 2,226 | −31.43% | 8,519 | +19.84% | 5.92% |
| Federal Bank | ₹339.70 | 16.19 | 84,008 | 0.35% | 1,568 | +51.08% | 8,383 | +16.17% | 6.39% |
| IndusInd Bank | ₹838.00 | 21.76 | 65,292 | 0.18% | 1,242 | +384.24% | 11,796 | +1.61% | 5.68% |
| J & K Bank | ₹117.19 | 5.46 | 12,905 | 0.00% | 553 | +11.67% | 3,729 | +13.23% | 5.84% |
| Median: 20 Co. | ₹297.02 | 12.14 | 40,987 | 0.35% | 705 | +36.92% | 5,038 | +16.19% | 6.40% |
Filings
Annual reports15
Concall transcripts43
TranscriptOct 2026PPTOct 2026RECOct 2026TranscriptAug 2026PPTAug 2026PPTMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024TranscriptJul 2024PPTJul 2024PPTJun 2024TranscriptMay 2024
Credit ratings6
Announcements5
CLARIFICATION REGARDING GST TREATMENT OF FUND TRANSFER PRICING (FTP) MECHANISM IN BANKS 29 Oct - CBIC circular says FTP notional interest exempt from GST; bank will seek quashing of Rs 8,330 crore demands.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 27 Oct - J&K Bank filed transcript of October 22 Q2 FY27 earnings call on reviewed September 30 results.Announcement under Regulation 30 (LODR)-Newspaper Publication 23 OctAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 22 Oct - Investor call on Q2 FY27 results: total business up 19.4%, net profit Rs546 crore.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 22 Oct - Bank uploaded investor presentation for Q2 and H1 FY2027 results conference call on October 22, 2026.