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J&K BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    J&K BANK CITY UNION BANK J&K BANK/
CITY UNION BANK
 
P/E (TTM) x 9.2 10.2 89.9% View Chart
P/BV x 1.5 1.3 111.2% View Chart
Dividend Yield % 0.4 0.7 50.4%  

Financials

 J&K BANK   CITY UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-23
CITY UNION BANK
Mar-23
J&K BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs63205 30.6%   
Low Rs24118 20.2%   
Income per share (Unadj.) Rs90.763.7 142.4%  
Earnings per share (Unadj.) Rs11.412.7 90.4%  
Cash flow per share (Unadj.) Rs46.119.6 235.1%  
Dividends per share (Unadj.) Rs0.501.00 50.0%  
Avg Dividend yield %1.20.6 186.3%  
Book value per share (Unadj.) Rs95.9100.7 95.3%  
Shares outstanding (eoy) m1,031.48740.42 139.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.5 18.8%   
Avg P/E ratio x3.812.7 29.7%  
Avg P/CF ratio x2.46.6 36.9%  
Avg Price/Bookvalue ratio x0.51.6 28.2%  
Dividend payout %4.47.9 55.3%   
Avg Mkt Cap Rs m44,637119,411 37.4%   
No. of employees `000NANA-   
Total wages & salary Rs m27,0865,304 510.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m93,55247,143 198.4%  
Other income Rs m7,6528,104 94.4%   
Interest expense Rs m46,09425,515 180.7%   
Net interest income Rs m47,45821,628 219.4%  
Operating expense Rs m36,50911,552 316.0%   
Gross profit Rs m10,94910,076 108.7%  
Gross profit margin %11.721.4 54.8%  
Provisions/contingencies Rs m6,6168,805 75.1%   
Profit before tax Rs m17,85611,775 151.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-1810-   
Tax Rs m5,8702,400 244.6%   
Profit after tax Rs m11,8059,375 125.9%  
Net profit margin %12.619.9 63.5%  
BALANCE SHEET DATA
Advances Rs m822,776430,533 191.1%   
Deposits Rs m1,220,272523,979 232.9%  
Credit/Deposit ratio x67.482.2 82.1%  
Yield on advances %8.58.8 96.3%   
Cost of deposits %3.64.4 81.9%   
Net Interest Margin %4.13.8 107.6%  
Net fixed assets Rs m22,2442,393 929.5%   
Share capital Rs m1,032740 139.3%   
Free reserves Rs m97,93273,832 132.6%   
Net worth Rs m98,96374,572 132.7%   
Borrowings Rs m28,92346,881 61.7%   
Investments Rs m347,804143,326 242.7%   
Total assets Rs m1,459,126665,946 219.1%  
Debt/equity ratio x12.67.7 164.9%   
Return on assets %0.81.4 57.5%  
Return on equity %11.912.6 94.9%  
Capital adequacy ratio %15.422.3 69.0%  
Net NPAs %1.62.4 68.6%  
CASH FLOW
From Operations Rs m-4,0711,004 -405.5%  
From Investments Rs m-1,235-719 171.8%  
From Financial Activity Rs m6,376-662 -963.6%  
Net Cashflow Rs m1,070-377 -284.0%  

Share Holding

Indian Promoters % 59.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.6 59.0 23.1%  
FIIs % 5.8 26.6 21.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 40.6 100.0 40.6%  
Shareholders   204,193 216,019 94.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on J&K Bank vs City Union Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

J&K Bank vs City Union Bank Share Price Performance

Period J&K Bank City Union Bank S&P BSE BANKEX
1-Day 2.10% -0.22% 0.82%
1-Month -2.83% 0.97% 2.48%
1-Year 193.99% 11.70% 19.28%
3-Year CAGR 72.73% -4.26% 12.00%
5-Year CAGR 20.41% -7.66% 9.40%

* Compound Annual Growth Rate

Here are more details on the J&K Bank share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of J&K Bank hold a 59.4% stake in the company. In case of City Union Bank the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, J&K Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 4.4%.

City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.

You may visit here to review the dividend history of J&K Bank, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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