The Jammu & Kashmir Bank Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- ✓Strong return on equity (ROE 15.4%)
- ✓Attractively valued vs sector (P/E 8.5x vs industry 35.4x)
- ✓Trading below book value (P/B 1x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹754 | ₹12.6L Cr | 16 | 1.93 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,440 | ₹10.4L Cr | 18.5 | 2.73 | 17.3 | 7.59 | — |
| SBIN State Bank of India | ₹1,025 | ₹9.6L Cr | 11.6 | 1.59 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,056 | ₹6.6L Cr | 34.2 | 5.77 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹424 | ₹5.5L Cr | 9.54 | 3.03 | 37.8 | 35.1 | 0 |
| AXISBANK Axis Bank Limited | ₹1,234 | ₹4.1L Cr | 14.9 | 1.73 | 13.1 | 6.24 | — |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹382 | ₹3.9L Cr | 19.4 | 2.1 | 11.4 | 6.98 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
J&KBANK · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% |
| FII | 5.80% | 6.99% | 7.16% | 6.47% | 7.07% | 7.64% |
| DII | 7.81% | 7.90% | 6.74% | 6.41% | 6.82% | 6.69% |
| Public | 26.98% | 25.71% | 26.70% | 27.72% | 26.70% | 26.26% |
Corporate Events
To consider and approve the financial results for the period ended Jun 30, 2026
Latest News
All news →J&K Bank reports profit surge and NPA decline in Q4FY26
*J&K Bank reports profit surge and NPA decline in Q4FY26* — J&K Bank posted a strong **₹212 crore** net profit in Q4FY26, up sharply from **₹43 crore** year-on-year. Gross NPAs fell to **4.8%** from **6.1%**, signaling improved asset quality. The bank’s operating income rose to **₹1,087 crore**, reflecting robust credit growth and fee income. 📊 *STOCKS:* J&KBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
J&K Bank informs on SEBI LODR compliance
*J&K Bank informs on SEBI LODR compliance.* The bank has updated the exchange on compliance with Regulation 6 and 7 of SEBI (LODR) Regulations, 2015. These norms relate to periodic disclosures and board responsibilities. No financial or operational impact is indicated. 📊 *STOCKS:* J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #SEBI
J&K Bank shares publication notice in newspaper
*J&K Bank shares publication notice in newspaper.* The bank has disclosed a copy of newspaper publication as part of regulatory compliance. This is a routine disclosure with no immediate financial impact. **No material event** or operational update was specified in the filing. 📊 *STOCKS:* J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #Banking
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹799 Cr ▲37.5% | ₹581 Cr ▲17.4% | ₹495 Cr ▲2.1% | ₹485 Cr ▼16.7% | ₹582 Cr ▲10.0% | ₹529 Cr ▼4.3% | ₹553 Cr ▲32.3% | ₹418 Cr |
| EPS (₹) | 7.25 ▲37.3% | 5.28 ▲17.6% | 4.49 ▲2.0% | 4.4 ▼16.7% | 5.28 ▲10.0% | 4.8 ▼4.4% | 5.02 ▲32.1% | 3.8 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹3.9K Cr ▲0.8% | ₹3.8K Cr ▲11.7% | ₹3.4K Cr ▼3.6% | ₹3.6K Cr ▼5.5% | ₹3.8K Cr ▼0.7% | ₹3.8K Cr ▼27.4% | ₹5.2K Cr ▲52.2% | ₹3.4K Cr ▲9.0% | ₹3.2K Cr ▼28.8% | ₹4.4K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹951 Cr ▼17.1% | ₹1.1K Cr ▲36.9% | ₹838 Cr ▲9.5% | ₹765 Cr ▲1.6% | ₹753 Cr ▲7.4% | ₹701 Cr ▲37.7% | ₹509 Cr ▼37.7% | ₹817 Cr ▲63.1% | ₹501 Cr ▲0.8% | ₹497 Cr |
| Interest | ₹7.3K Cr ▲7.8% | ₹6.7K Cr ▲12.2% | ₹6.0K Cr ▲30.4% | ₹4.6K Cr ▲12.4% | ₹4.1K Cr ▼5.5% | ₹4.3K Cr ▼8.4% | ₹4.7K Cr ▲10.4% | ₹4.3K Cr ▲14.4% | ₹3.8K Cr ▼10.1% | ₹4.2K Cr |
| Depreciation | ₹0 Cr ▼100.0% | ₹168 Cr ▼22.9% | ₹218 Cr ▲38.0% | ₹158 Cr ▲9.7% | ₹144 Cr ▲7.5% | ₹134 Cr ▲6.3% | ₹126 Cr ▲21.2% | ₹104 Cr ▲7.2% | ₹97 Cr ▲14.1% | ₹85 Cr |
| PBT | ₹3.0K Cr ▲0.9% | ₹2.9K Cr ▲23.1% | ₹2.4K Cr ▲33.7% | ₹1.8K Cr ▲139.1% | ₹747 Cr ▲39.1% | ₹537 Cr ▲146.9% | ₹-1.1K Cr ▼273.6% | ₹659 Cr ▲444.6% | ₹121 Cr ▲108.0% | ₹-1.5K Cr |
| Tax % | 20.0% ▼31.0% | 29.0% ▲11.5% | 26.0% ▼21.2% | 33.0% ▲3.1% | 32.0% ▲68.4% | 19.0% ▲533.3% | 3.0% ▼90.0% | 30.0% ▲144.1% | -68.0% ▼950.0% | 8.0% |
| Net Profit | ₹2.4K Cr ▲13.4% | ₹2.1K Cr ▲17.6% | ₹1.8K Cr ▲50.0% | ₹1.2K Cr ▲138.6% | ₹495 Cr ▲15.7% | ₹428 Cr ▲136.2% | ₹-1.2K Cr ▼355.0% | ₹464 Cr ▲128.6% | ₹203 Cr ▲112.4% | ₹-1.6K Cr |
| EPS (₹) | 21.43 ▲13.3% | 18.91 ▲17.6% | 16.08 ▲40.6% | 11.44 ▲115.8% | 5.3 ▼11.8% | 6.01 ▲136.2% | -16.59 ▼299.2% | 8.33 ▲128.8% | 3.64 ▲111.6% | -31.32 |
| Div Payout | 0.0% ▼100.0% | 11.0% ▼15.4% | 13.0% ▲225.0% | 4.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | ||||||||||
| Equity Capital | ₹110 Cr ▲0.0% | ₹110 Cr ▲0.0% | ₹110 Cr ▲6.8% | ₹103 Cr ▲10.8% | ₹93 Cr ▲31.0% | ₹71 Cr ▲0.0% | ₹71 Cr ▲26.8% | ₹56 Cr ▲0.0% | ₹56 Cr ▲7.7% | ₹52 Cr |
| Reserves | ₹16.4K Cr ▲16.3% | ₹14.1K Cr ▲16.7% | ₹12.1K Cr ▲23.4% | ₹9.8K Cr ▲22.7% | ₹8.0K Cr ▲18.6% | ₹6.7K Cr ▲7.3% | ₹6.3K Cr ▼4.4% | ₹6.6K Cr ▲7.6% | ₹6.1K Cr ▲8.6% | ₹5.6K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹3.7K Cr ▼13.9% | ₹4.3K Cr ▼8.2% | ₹4.7K Cr ▼58.0% | ₹11.1K Cr ▲104.6% | ₹5.4K Cr ▲59.2% | ₹3.4K Cr ▲27.3% | ₹2.7K Cr ▲6.2% | ₹2.5K Cr ▲33.2% | ₹1.9K Cr ▼27.3% | ₹2.6K Cr |
| Total Liabilities | ₹1.9L Cr ▲11.5% | ₹1.7L Cr ▲9.7% | ₹1.5L Cr ▲5.9% | ₹1.5L Cr ▲11.7% | ₹1.3L Cr ▲8.6% | ₹1.2L Cr ▲10.5% | ₹1.1L Cr ▲7.3% | ₹1.0L Cr ▲13.1% | ₹89.7K Cr ▲9.4% | ₹82.0K Cr |
| Assets | ||||||||||
| Fixed Assets | ₹2.5K Cr ▲19.1% | ₹2.1K Cr ▼3.7% | ₹2.2K Cr ▼0.7% | ₹2.2K Cr ▲16.6% | ₹1.9K Cr ▼3.2% | ₹2.0K Cr ▼3.2% | ₹2.0K Cr ▲23.7% | ₹1.6K Cr ▲3.0% | ₹1.6K Cr ▲8.0% | ₹1.5K Cr |
| CWIP | ₹0 Cr ▼100.0% | ₹66 Cr ▲32.0% | ₹50 Cr ▲6.4% | ₹47 Cr ▲2.2% | ₹46 Cr ▲12.2% | ₹41 Cr ▲17.1% | ₹35 Cr ▲20.7% | ₹29 Cr ▲70.6% | ₹17 Cr ▼73.4% | ₹64 Cr |
| Investments | ₹40.5K Cr ▼1.5% | ₹41.1K Cr ▲17.8% | ₹34.9K Cr ▲0.3% | ₹34.8K Cr ▲2.9% | ₹33.8K Cr ▲9.8% | ₹30.8K Cr ▲33.9% | ₹23.0K Cr ▼0.6% | ₹23.1K Cr ▲22.7% | ₹18.9K Cr ▼11.3% | ₹21.3K Cr |
| Other Assets | ₹1.5L Cr ▲15.7% | ₹1.3L Cr ▲7.5% | ₹1.2L Cr ▲7.8% | ₹1.1L Cr ▲14.8% | ₹94.8K Cr ▲8.4% | ₹87.5K Cr ▲4.4% | ₹83.8K Cr ▲9.4% | ₹76.6K Cr ▲10.7% | ₹69.2K Cr ▲16.9% | ₹59.2K Cr |
| Total Assets | ₹1.9L Cr ▲11.5% | ₹1.7L Cr ▲9.7% | ₹1.5L Cr ▲5.9% | ₹1.5L Cr ▲11.7% | ₹1.3L Cr ▲8.6% | ₹1.2L Cr ▲10.5% | ₹1.1L Cr ▲7.3% | ₹1.0L Cr ▲13.1% | ₹89.7K Cr ▲9.4% | ₹82.0K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-1.1K Cr ▼141.4% | ₹2.7K Cr ▲419.2% | ₹-853 Cr ▼109.6% | ₹-407 Cr ▲74.0% | ₹-1.6K Cr ▼11100.0% | ₹-14 Cr ▼100.3% | ₹4.4K Cr ▲246.2% | ₹-3.0K Cr ▼226.6% | ₹2.4K Cr ▼3.8% | ₹2.5K Cr |
| Investing CF | ₹-302 Cr ▼196.1% | ₹-102 Cr ▲60.3% | ₹-257 Cr ▼107.3% | ₹-124 Cr ▼45.9% | ₹-85 Cr ▼11.8% | ₹-76 Cr ▲33.9% | ₹-115 Cr ▲30.3% | ₹-165 Cr ▼0.6% | ₹-164 Cr ▲81.0% | ₹-861 Cr |
| Financing CF | ₹-500 Cr ▲51.6% | ₹-1.0K Cr ▼354.1% | ₹407 Cr ▼36.2% | ₹638 Cr ▼32.2% | ₹941 Cr ▲572.9% | ₹-199 Cr ▲41.3% | ₹-339 Cr ▼144.1% | ₹769 Cr ▲15.1% | ₹668 Cr ▲12.6% | ₹593 Cr |
| Net Cash Flow | ₹-1.9K Cr ▼221.5% | ₹1.6K Cr ▲326.1% | ₹-702 Cr ▼756.1% | ₹107 Cr ▲115.0% | ₹-712 Cr ▼146.4% | ₹-289 Cr ▼107.4% | ₹3.9K Cr ▲264.2% | ₹-2.4K Cr ▼183.3% | ₹2.9K Cr ▲31.0% | ₹2.2K Cr |
| Free Cash Flow | ₹-1.6K Cr ▼160.9% | ₹2.6K Cr ▲352.5% | ₹-1.0K Cr ▼95.5% | ₹-531 Cr ▲67.9% | ₹-1.7K Cr ▼1736.7% | ₹-90 Cr ▼102.1% | ₹4.3K Cr ▲234.9% | ₹-3.2K Cr ▼243.5% | ₹2.2K Cr ▲37.8% | ₹1.6K Cr |
Values in ₹ Cr · Source: Screener.in
About The Jammu & Kashmir Bank Limited
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]
Financial Services · Banks