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- Indian - banking
- CSB BANK - J&K BANK
CSB BANK vs J&K BANK - Comparison Results
Current Valuations
| CSB BANK | J&K BANK | CSB BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 12.1 | 8.8 | 136.7% | View Chart |
| P/BV | x | 2.2 | 1.4 | 151.1% | View Chart |
| Dividend Yield | % | 0.0 | 0.4 | - |
Financials
 CSB BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CSB BANK Mar-23 |
J&K BANK Mar-23 |
CSB BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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% | |
Share Holding
| 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
More on CSB 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:
CSB BANK vs J&K Bank Share Price Performance
| Period | CSB BANK | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.08% | -1.56% | 0.85% |
| 1-Month | 15.85% | -2.16% | 1.88% |
| 1-Year | 42.96% | 153.89% | 12.11% |
| 3-Year CAGR | 16.90% | 77.80% | 14.85% |
| 5-Year CAGR | 5.83% | 17.12% | 9.96% |
* 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.
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