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J&K BANK vs SBI - Comparison Results

Rs 100 invested in...

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Current Valuations

    J&K BANK SBI J&K BANK/
SBI
 
P/E (TTM) x 9.2 10.4 88.5% View Chart
P/BV x 1.5 1.9 79.7% View Chart
Dividend Yield % 0.4 1.5 24.8%  

Financials

 J&K BANK   SBI
EQUITY SHARE DATA
    J&K BANK
Mar-23
SBI
Mar-23
J&K BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs63630 10.0%   
Low Rs24431 5.5%   
Income per share (Unadj.) Rs90.7393.1 23.1%  
Earnings per share (Unadj.) Rs11.462.4 18.4%  
Cash flow per share (Unadj.) Rs46.1254.7 18.1%  
Dividends per share (Unadj.) Rs0.5011.30 4.4%  
Avg Dividend yield %1.22.1 54.2%  
Book value per share (Unadj.) Rs95.9402.2 23.9%  
Shares outstanding (eoy) m1,031.488,924.61 11.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.51.3 35.4%   
Avg P/E ratio x3.88.5 44.5%  
Avg P/CF ratio x2.45.1 47.5%  
Avg Price/Bookvalue ratio x0.51.3 34.2%  
Dividend payout %4.418.1 24.1%   
Avg Mkt Cap Rs m44,6374,732,052 0.9%   
No. of employees `000NANA-   
Total wages & salary Rs m27,086619,209 4.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m93,5523,508,446 2.7%  
Other income Rs m7,6521,225,336 0.6%   
Interest expense Rs m46,0941,899,808 2.4%   
Net interest income Rs m47,4581,608,638 3.0%  
Operating expense Rs m36,5091,898,145 1.9%   
Gross profit Rs m10,949-289,507 -3.8%  
Gross profit margin %11.7-8.3 -141.8%  
Provisions/contingencies Rs m6,616370,244 1.8%   
Profit before tax Rs m17,856753,983 2.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-21,017 -0.0%   
Prior Period Items Rs m-18111,915 -1.5%   
Tax Rs m5,870188,399 3.1%   
Profit after tax Rs m11,805556,482 2.1%  
Net profit margin %12.615.9 79.6%  
BALANCE SHEET DATA
Advances Rs m822,77632,679,021 2.5%   
Deposits Rs m1,220,27244,685,355 2.7%  
Credit/Deposit ratio x67.473.1 92.2%  
Yield on advances %8.57.0 121.5%   
Cost of deposits %3.63.7 97.4%   
Net Interest Margin %4.13.1 130.6%  
Net fixed assets Rs m22,244440,238 5.1%   
Share capital Rs m1,0328,925 11.6%   
Free reserves Rs m97,9323,580,389 2.7%   
Net worth Rs m98,9633,589,313 2.8%   
Borrowings Rs m28,9235,211,520 0.6%   
Investments Rs m347,80419,131,079 1.8%   
Total assets Rs m1,459,12659,544,183 2.5%  
Debt/equity ratio x12.613.9 90.8%   
Return on assets %0.80.9 86.6%  
Return on equity %11.915.5 76.9%  
Capital adequacy ratio %15.414.7 105.0%  
Net NPAs %1.60.7 241.8%  
CASH FLOW
From Operations Rs m-4,071-860,137 0.5%  
From Investments Rs m-1,235-40,410 3.1%  
From Financial Activity Rs m6,37663,864 10.0%  
Net Cashflow Rs m1,070-805,932 -0.1%  

Share Holding

Indian Promoters % 59.4 57.5 103.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.6 35.1 38.8%  
FIIs % 5.8 10.9 53.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 40.6 42.5 95.6%  
Shareholders   204,193 3,047,685 6.7%  
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    KOTAK MAHINDRA BANK    PNB    


More on J&K Bank vs SBI

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 SBI Share Price Performance

Period J&K Bank SBI S&P BSE BANKEX
1-Day 2.13% 2.55% 0.82%
1-Month -2.79% 1.41% 2.48%
1-Year 194.10% 48.16% 19.28%
3-Year CAGR 72.76% 27.75% 12.00%
5-Year CAGR 20.41% 18.78% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of J&K Bank hold a 59.4% stake in the company. In case of SBI the stake stands at 57.5%.

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 SBI.

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%.

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

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

For a sector overview, read our banking sector report.



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