Jammu and Kashmir Bank Ltd (J&KBANK)
₹172.57
Mkt cap
₹19,003 Cr
P/E ratio
8.05
P/B
1.15
Div yield
1.25%
ROE
15.40%
ROCE
5.84%
EPS (TTM)
₹21.44
Book value
₹150
52W range
98–193
Sector
Financial Services
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]
Health check
Constructive
ValuationCheap
ProfitabilityWeak
TechnicalsBullish
52-week range
−10.42% from high₹173
₹98+75.93% from low₹193
Current
₹172.57
Prev close
₹172.70
Day
−0.08%
Price performance
1D
−0.08%
1W
−5.31%
1M
+8.95%
3M
+36.91%
6M
+74.45%
1Y
+51.60%
YTD
+68.59%
Financials
FRevenue, profit & margin
P/E ratio
8.1×
J&KBANK is 43% below the sector median of 14.1×
J&KBANK8.1×
Sector median14.1×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,512 | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | |
| Interest | 1,262 | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | |
| Expenses | 793 | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,075 | 1,061 | 958 | 964 | 889 | |
| Financing Profit | 457 | 221 | 352 | 375 | 602 | 415 | 456 | 516 | 406 | 406 | 477 | 527 | 600 | |
| Financing Margin % | 18% | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 14% | 16% | 18% | |
| Other Income | 168 | 230 | 193 | 186 | 229 | 198 | 301 | 242 | 403 | 253 | 157 | 280 | 262 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 625 | 452 | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 | 862 | |
| Tax % | 24% | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% | 27% | 7% | |
| Net Profit | 473 | 331 | 384 | 423 | 633 | 418 | 553 | 529 | 582 | 485 | 495 | 581 | 799 | |
| EPS in Rs | 4.58 | 3.21 | 3.72 | 3.84 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 | 5.28 | 7.25 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
EResults dates & reactionsNext results
29 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.12% · closed higher next day 22 of last 56
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26† | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 24 Jul '23 | 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◦ | 16 May '26◦ |
| Earnings day | −4.77% | −5.90% | −3.36% | −3.23% | +3.95% | −0.52% | −3.85% | −3.27% | −4.21% | +1.95% | +4.07% | −2.43% |
| +1 day | −8.87% | −6.60% | −1.17% | −7.14% | +3.63% | −1.09% | −7.39% | −4.67% | −2.93% | +2.38% | +8.26% | +2.00% |
| +5 days | −9.81% | −0.19% | +1.66% | −8.36% | +1.84% | +2.53% | −2.30% | +5.46% | −6.07% | +2.77% | +5.49% | +7.71% |
| +15 days | +4.37% | +6.88% | +4.46% | −5.74% | +2.25% | −3.29% | −0.79% | +4.12% | −3.91% | +1.61% | +4.66% | +20.11% |
| +30 days | +21.69% | +6.88% | +4.23% | −13.13% | −2.12% | +7.00% | −5.61% | +6.93% | −7.53% | −1.00% | +19.92% | +19.51% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 202659.40%Promoter
Promoters59.40%
FIIs9.38%1.03
DIIs7.85%1.85
Public23.37%2.89
Ownership trend
Peers
P8 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 | ₹742.80 | 14.48 | 11,44,294 | 1.75% | 20,383 | +18.37% | 90,575 | +3.67% | 7.02% |
| ICICI Bank | ₹1,432.90 | 18.33 | 10,28,039 | 0.84% | 16,276 | +13.88% | 52,241 | +6.44% | 7.18% |
| Kotak Mah. Bank | ₹384.75 | 19.11 | 3,82,725 | 0.17% | 5,480 | +22.55% | 18,355 | +6.41% | 6.98% |
| Axis Bank | ₹1,227.30 | 13.75 | 3,81,823 | 0.08% | 7,670 | +22.24% | 35,542 | +9.87% | 6.24% |
| IDBI Bank | ₹84.93 | 9.80 | 91,320 | 2.47% | 2,131 | +5.35% | 7,549 | +7.44% | 5.92% |
| Federal Bank | ₹354.30 | 18.68 | 87,481 | 0.34% | 1,302 | +36.78% | 7,862 | +9.94% | 6.39% |
| IndusInd Bank | ₹996.05 | 58.69 | 77,606 | 0.15% | 1,037 | +71.68% | 11,310 | −7.78% | 5.68% |
| J & K Bank | ₹172.57 | 8.05 | 19,003 | 1.25% | 799 | +37.23% | 3,273 | +1.87% | 5.84% |
| Median: 20 Co. | ₹309.30 | 14.12 | 43,703 | 0.78% | 629 | +27.33% | 4,735 | +9.64% | 6.40% |
Filings
DAnnual reports15
Financial Year 2025bseFinancial Year 2024bseFinancial Year 2023bseFinancial Year 2022bseFinancial Year 2021bseFinancial Year 2020bseFinancial Year 2019bseFinancial Year 2018bseFinancial Year 2017bseFinancial Year 2016bseFinancial Year 2015bseFinancial Year 2014bseFinancial Year 2013bseFinancial Year 2012bseFinancial Year 2011bse
Concall transcripts38
PPTMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024TranscriptJul 2024PPTJul 2024PPTJun 2024TranscriptMay 2024PPTMay 2024TranscriptJan 2024PPTJan 2024TranscriptNov 2023PPTNov 2023
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 2dAnnouncement under Regulation 30 (LODR)-Newspaper Publication 2dBoard Meeting Intimation for CONSIDERATION OF UNAUDITED FINANCIAL RESULTS (CONSOLIDATED AND STANDALONE) OF THE BANK FOR THE QUARTER ENDED 30TH JUNE, 2026 21 Jul - Board meets 29 July 2026 to consider Q1 FY2026-27 unaudited standalone and consolidated results; trading window closed till 31 July.LETTER FOR CLAIMING UNCLAIMED DIVIDEND(S) AND COMPLIANCE WITH SEBI/IEPF REQUIREMENTS 20 Jul - Bank sent reminder on July 20, 2026 for claiming unclaimed dividends and updating KYC.Announcement under Regulation 30 (LODR)-Memorandum of Understanding /Agreements 17 Jul - On 17 July 2026, J&K Bank signed SPA to sell 1.02 crore PNB MetLife shares for ₹120.10 crore.