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 7.2x vs industry 37.5x)
- 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 | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 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 Fund Raising
To consider and approve the financial results for the period ended Jun 30, 2026
Latest News
All newsJammu & 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
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
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 | ₹3.7K 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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