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- Indian - banking
- CENTRAL BANK - J&K BANK
CENTRAL BANK vs J&K BANK - Comparison Results
Current Valuations
| CENTRAL BANK | J&K BANK | CENTRAL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 23.0 | 8.9 | 257.9% | View Chart |
| P/BV | x | 1.8 | 1.4 | 127.2% | View Chart |
| Dividend Yield | % | 0.0 | 0.4 | - |
Financials
 CENTRAL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CENTRAL BANK Mar-23 |
J&K BANK Mar-23 |
CENTRAL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 42 | 63 | 66.6% | |
| Low | Rs | 16 | 24 | 67.6% | |
| Income per share (Unadj.) | Rs | 29.6 | 90.7 | 32.6% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 11.4 | 16.9% | |
| Cash flow per share (Unadj.) | Rs | 7.3 | 46.1 | 15.8% | |
| Dividends per share (Unadj.) | Rs | 0 | 0.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.2 | 0.0% | |
| Book value per share (Unadj.) | Rs | 33.7 | 95.9 | 35.1% | |
| Shares outstanding (eoy) | m | 8,680.94 | 1,031.48 | 841.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.5 | 205.3% | |
| Avg P/E ratio | x | 15.0 | 3.8 | 395.9% | |
| Avg P/CF ratio | x | 3.6 | 2.4 | 148.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.5 | 190.7% | |
| Dividend payout | % | 0 | 4.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 251,313 | 44,637 | 563.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 56,157 | 27,086 | 207.3% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 256,571 | 93,552 | 274.3% | |
| Other income | Rs m | 40,845 | 7,652 | 533.8% | |
| Interest expense | Rs m | 139,051 | 46,094 | 301.7% | |
| Net interest income | Rs m | 117,520 | 47,458 | 247.6% | |
| Operating expense | Rs m | 89,100 | 36,509 | 244.1% | |
| Gross profit | Rs m | 28,420 | 10,949 | 259.6% | |
| Gross profit margin | % | 11.1 | 11.7 | 94.6% | |
| Provisions/contingencies | Rs m | 53,172 | 6,616 | 803.7% | |
| Profit before tax | Rs m | 26,725 | 17,856 | 149.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -96 | 0 | - | |
| Prior Period Items | Rs m | 791 | -181 | -437.5% | |
| Tax | Rs m | 10,631 | 5,870 | 181.1% | |
| Profit after tax | Rs m | 16,788 | 11,805 | 142.2% | |
| Net profit margin | % | 6.5 | 12.6 | 51.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,038,933 | 822,776 | 247.8% | |
| Deposits | Rs m | 3,597,751 | 1,220,272 | 294.8% | |
| Credit/Deposit ratio | x | 56.7 | 67.4 | 84.1% | |
| Yield on advances | % | 7.4 | 8.5 | 86.6% | |
| Cost of deposits | % | 3.7 | 3.6 | 104.7% | |
| Net Interest Margin | % | 3.5 | 4.1 | 85.1% | |
| Net fixed assets | Rs m | 47,856 | 22,244 | 215.1% | |
| Share capital | Rs m | 86,809 | 1,032 | 8,414.9% | |
| Free reserves | Rs m | 205,358 | 97,932 | 209.7% | |
| Net worth | Rs m | 292,167 | 98,963 | 295.2% | |
| Borrowings | Rs m | 83,339 | 28,923 | 288.1% | |
| Investments | Rs m | 1,365,694 | 347,804 | 392.7% | |
| Total assets | Rs m | 4,070,797 | 1,459,126 | 279.0% | |
| Debt/equity ratio | x | 12.6 | 12.6 | 99.8% | |
| Return on assets | % | 0.4 | 0.8 | 51.0% | |
| Return on equity | % | 5.7 | 11.9 | 48.2% | |
| Capital adequacy ratio | % | 14.1 | 15.4 | 91.6% | |
| Net NPAs | % | 1.8 | 1.6 | 109.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -87,863 | -4,071 | 2,158.1% | |
| From Investments | Rs m | -2,087 | -1,235 | 168.9% | |
| From Financial Activity | Rs m | NA | 6,376 | 0.0% | |
| Net Cashflow | Rs m | -89,950 | 1,070 | -8,410.2% | |
Share Holding
| Indian Promoters | % | 93.1 | 59.4 | 156.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 2.9 | 14.9 | 19.3% | |
| FIIs | % | 0.1 | 7.0 | 1.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 6.9 | 40.6 | 17.0% | |
| Shareholders | 529,591 | 215,294 | 246.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CENTRAL BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Central Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Central Bank vs J&K Bank Share Price Performance
| Period | Central Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.19% | -1.48% | -0.50% |
| 1-Month | 6.13% | -1.25% | 1.73% |
| 1-Year | 130.56% | 147.76% | 12.08% |
| 3-Year CAGR | 53.64% | 74.15% | 14.00% |
| 5-Year CAGR | 12.32% | 15.83% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Central Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Central Bank hold a 93.1% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Central Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Central Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.
You may visit here to review the dividend history of Central Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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