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 5.3x vs industry 33.1x)
- Trading below book value (P/B 1x)
Concerns
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 13.1 | 6.24 | — |
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 September 30, 2026
To consider Fund Raising
To consider and approve the financial results for the period ended Jun 30, 2026
Latest News
All newsJ&K Bank revises Q2 and H1 2026 financial results
*J&K Bank revises Q2 and H1 2026 financial results* following a review. The bank has restated its performance for the quarter and half year ended September 30, 2026. Such revisions can impact investor sentiment and trigger regulatory scrutiny. Traders should assess revised figures for changes in **profit**, **NPA**, and **revenue**. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
J&K Bank reports Q2FY26 financial results
*J&K Bank reports Q2FY26 financial results.* The bank has submitted its financial results for the quarter ended September 30, 2026, to the exchange. Key metrics include net profit of **₹127 crore** and total income of **₹1,083 crore**. Asset quality improved with NPA ratio down to **4.3%** from 5.1% in prior quarter. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #Earnings
Jammu & Kashmir Bank discloses credit rating update
*Jammu & Kashmir Bank discloses credit rating update.* The bank has informed the exchange about its latest credit rating. This disclosure is part of routine regulatory compliance. No immediate financial implications are indicated. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #Banking
J&K Bank reports Q1FY26 financial results
*J&K Bank reports Q1FY26 financial results*. The Jammu & Kashmir Bank has announced its financial results for the quarter ended June 30, 2026. Key performance metrics including net profit, **NIM**, and **GNPA** are under review. Results may influence near-term trading sentiment on regional banking stocks. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
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 announces reviewed Q1 FY27 financial results
*J&K Bank announces reviewed Q1 FY27 financial results.* The bank has filed its revised financials for the quarter ended June 30, 2026, following a review process. Specific figures like **net profit**, **NPA levels**, and **interest income** were adjusted but not detailed in the release. Traders may assess revised numbers for potential impact on valuation and sector sentiment. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #Earnings
Jammu & Kashmir Bank updates analysts on recent developments
*Jammu & Kashmir Bank updates analysts on recent developments.* The bank shared updates during an analyst and institutional investor meet. Disclosure pertains to presentation of business and financial updates. No major announcements or **numerical figures** were highlighted in the filing. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #Banking
J&K Bank holds annual general meeting on Sept 22, 2026
*J&K Bank holds annual general meeting on Sept 22, 2026.* The bank submitted the minutes of the AGM to the NSE, disclosing routine proceedings. No major announcements or financial updates were highlighted. The event is primarily a regulatory compliance disclosure. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #AGM
J&K Bank files SEBI LODR compliance update
*J&K Bank files SEBI LODR compliance update.* The bank submitted its compliance report under Regulations 6 and 7 of SEBI (LODR) Regulations, 2015. This is a routine regulatory filing with no immediate financial impact. Such disclosures are part of standard corporate governance norms. 📊 *STOCKS:* $J&KBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #Regulation
J&K Bank informs bourse of newspaper publication
*J&K Bank informs bourse of newspaper publication*. The bank has shared a copy of its newspaper publication with the exchange as part of regulatory compliance. This is a routine disclosure with no **financial impact** or operational change indicated. Such filings are standard for listed entities to ensure transparency. 📊 *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 | ₹3.7K Cr 2.4% | ₹3.8K Cr 11.6% | ₹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 16.6% | ₹1.1K Cr 36.0% | ₹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 | ₹128 Cr 23.8% | ₹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 | ₹2.4K Cr 15.0% | ₹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 | ₹88 Cr 33.3% | ₹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]
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