CSB BANK | J&K BANK | CSB BANK/ J&K BANK |
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P/E (TTM) | x | 12.5 | 8.9 | 140.0% | View Chart |
P/BV | x | 2.2 | 1.4 | 154.7% | View Chart |
Dividend Yield | % | 0.0 | 0.4 | - |
CSB BANK J&K BANK |
EQUITY SHARE DATA | |||||
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CSB BANK Mar-23 |
J&K BANK Mar-23 |
CSB BANK/ J&K BANK |
5-Yr Chart Click to enlarge
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High | Rs | 275 | 63 | 438.2% | |
Low | Rs | 178 | 24 | 747.9% | |
Income per share (Unadj.) | Rs | 133.7 | 90.7 | 147.4% | |
Earnings per share (Unadj.) | Rs | 31.6 | 11.4 | 275.7% | |
Cash flow per share (Unadj.) | Rs | 87.4 | 46.1 | 189.5% | |
Dividends per share (Unadj.) | Rs | 0 | 0.50 | 0.0% | |
Avg Dividend yield | % | 0 | 1.2 | 0.0% | |
Book value per share (Unadj.) | Rs | 183.6 | 95.9 | 191.4% | |
Shares outstanding (eoy) | m | 173.49 | 1,031.48 | 16.8% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 1.7 | 0.5 | 355.0% | |
Avg P/E ratio | x | 7.2 | 3.8 | 189.9% | |
Avg P/CF ratio | x | 5.6 | 2.4 | 229.2% | |
Avg Price/Bookvalue ratio | x | 1.2 | 0.5 | 273.5% | |
Dividend payout | % | 0 | 4.4 | 0.0% | |
Avg Mkt Cap | Rs m | 39,295 | 44,637 | 88.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 5,585 | 27,086 | 20.6% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 23,197 | 93,552 | 24.8% | |
Other income | Rs m | 3,160 | 7,652 | 41.3% | |
Interest expense | Rs m | 9,858 | 46,094 | 21.4% | |
Net interest income | Rs m | 13,338 | 47,458 | 28.1% | |
Operating expense | Rs m | 9,425 | 36,509 | 25.8% | |
Gross profit | Rs m | 3,914 | 10,949 | 35.7% | |
Gross profit margin | % | 16.9 | 11.7 | 144.2% | |
Provisions/contingencies | Rs m | 1,600 | 6,616 | 24.2% | |
Profit before tax | Rs m | 7,336 | 17,856 | 41.1% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | -181 | -0.0% | |
Tax | Rs m | 1,863 | 5,870 | 31.7% | |
Profit after tax | Rs m | 5,474 | 11,805 | 46.4% | |
Net profit margin | % | 23.6 | 12.6 | 187.0% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 206,506 | 822,776 | 25.1% | |
Deposits | Rs m | 245,058 | 1,220,272 | 20.1% | |
Credit/Deposit ratio | x | 84.3 | 67.4 | 125.0% | |
Yield on advances | % | 9.1 | 8.5 | 107.5% | |
Cost of deposits | % | 3.7 | 3.6 | 105.0% | |
Net Interest Margin | % | 5.0 | 4.1 | 124.2% | |
Net fixed assets | Rs m | 3,194 | 22,244 | 14.4% | |
Share capital | Rs m | 1,735 | 1,032 | 168.2% | |
Free reserves | Rs m | 30,118 | 97,932 | 30.8% | |
Net worth | Rs m | 31,853 | 98,963 | 32.2% | |
Borrowings | Rs m | 7,830 | 28,923 | 27.1% | |
Investments | Rs m | 58,487 | 347,804 | 16.8% | |
Total assets | Rs m | 291,623 | 1,459,126 | 20.0% | |
Debt/equity ratio | x | 7.9 | 12.6 | 62.9% | |
Return on assets | % | 1.9 | 0.8 | 232.0% | |
Return on equity | % | 17.2 | 11.9 | 144.1% | |
Capital adequacy ratio | % | 27.1 | 15.4 | 175.9% | |
Net NPAs | % | 0.4 | 1.6 | 21.6% |
CASH FLOW | |||||
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From Operations | Rs m | 22,115 | -4,071 | -543.2% | |
From Investments | Rs m | -7,243 | -1,235 | 586.4% | |
From Financial Activity | Rs m | -12,242 | 6,376 | -192.0% | |
Net Cashflow | Rs m | 2,629 | 1,070 | 245.9% |
Indian Promoters | % | 0.0 | 59.4 | - | |
Foreign collaborators | % | 49.7 | 0.0 | - | |
Indian inst/Mut Fund | % | 20.9 | 14.9 | 140.3% | |
FIIs | % | 4.9 | 7.0 | 70.5% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 50.3 | 40.6 | 123.8% | |
Shareholders | 63,497 | 215,294 | 29.5% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CSB BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | CSB BANK | J&K Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.29% | -1.48% | -0.50% |
1-Month | 21.90% | -1.25% | 1.73% |
1-Year | 44.29% | 147.76% | 12.08% |
3-Year CAGR | 16.03% | 74.15% | 14.00% |
5-Year CAGR | 6.52% | 15.83% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the CSB BANK share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of CSB BANK hold a 49.7% 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 CSB BANK and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, CSB 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 CSB BANK, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
After opening the negative note, Indian share markets Slipped further as the session progressed and ended the day weak.