J&K BANK | BANK OF MAHARASHTRA | J&K BANK/ BANK OF MAHARASHTRA |
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P/E (TTM) | x | 9.2 | 12.0 | 76.6% | View Chart |
P/BV | x | 1.5 | 2.8 | 53.4% | View Chart |
Dividend Yield | % | 0.4 | 2.1 | 17.9% |
J&K BANK BANK OF MAHARASHTRA |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
BANK OF MAHARASHTRA Mar-23 |
J&K BANK/ BANK OF MAHARASHTRA |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 36 | 173.1% | |
Low | Rs | 24 | 15 | 158.7% | |
Income per share (Unadj.) | Rs | 90.7 | 23.6 | 384.0% | |
Earnings per share (Unadj.) | Rs | 11.4 | 3.9 | 295.7% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 5.8 | 801.4% | |
Dividends per share (Unadj.) | Rs | 0.50 | 1.30 | 38.5% | |
Avg Dividend yield | % | 1.2 | 5.1 | 22.8% | |
Book value per share (Unadj.) | Rs | 95.9 | 23.5 | 409.0% | |
Shares outstanding (eoy) | m | 1,031.48 | 6,730.50 | 15.3% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 1.1 | 44.0% | |
Avg P/E ratio | x | 3.8 | 6.6 | 57.1% | |
Avg P/CF ratio | x | 2.4 | 2.8 | 85.7% | |
Avg Price/Bookvalue ratio | x | 0.5 | 1.1 | 41.3% | |
Dividend payout | % | 4.4 | 33.6 | 13.0% | |
Avg Mkt Cap | Rs m | 44,637 | 172,469 | 25.9% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 20,581 | 131.6% | |
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 | 93,552 | 158,986 | 58.8% | |
Other income | Rs m | 7,652 | 22,809 | 33.5% | |
Interest expense | Rs m | 46,094 | 81,568 | 56.5% | |
Net interest income | Rs m | 47,458 | 77,418 | 61.3% | |
Operating expense | Rs m | 36,509 | 39,225 | 93.1% | |
Gross profit | Rs m | 10,949 | 38,193 | 28.7% | |
Gross profit margin | % | 11.7 | 24.0 | 48.7% | |
Provisions/contingencies | Rs m | 6,616 | 34,975 | 18.9% | |
Profit before tax | Rs m | 17,856 | 34,456 | 51.8% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | -181 | 22 | -818.4% | |
Tax | Rs m | 5,870 | 8,429 | 69.6% | |
Profit after tax | Rs m | 11,805 | 26,050 | 45.3% | |
Net profit margin | % | 12.6 | 16.4 | 77.0% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 1,712,207 | 48.1% | |
Deposits | Rs m | 1,220,272 | 2,340,641 | 52.1% | |
Credit/Deposit ratio | x | 67.4 | 73.2 | 92.2% | |
Yield on advances | % | 8.5 | 6.7 | 126.8% | |
Cost of deposits | % | 3.6 | 3.1 | 116.2% | |
Net Interest Margin | % | 4.1 | 3.2 | 125.8% | |
Net fixed assets | Rs m | 22,244 | 21,492 | 103.5% | |
Share capital | Rs m | 1,032 | 67,305 | 1.5% | |
Free reserves | Rs m | 97,932 | 90,597 | 108.1% | |
Net worth | Rs m | 98,963 | 157,902 | 62.7% | |
Borrowings | Rs m | 28,923 | 107,657 | 26.9% | |
Investments | Rs m | 347,804 | 690,420 | 50.4% | |
Total assets | Rs m | 1,459,126 | 2,678,272 | 54.5% | |
Debt/equity ratio | x | 12.6 | 15.5 | 81.4% | |
Return on assets | % | 0.8 | 1.0 | 83.2% | |
Return on equity | % | 11.9 | 16.5 | 72.3% | |
Capital adequacy ratio | % | 15.4 | 18.1 | 85.0% | |
Net NPAs | % | 1.6 | 0.3 | 648.0% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | -14,399 | 28.3% | |
From Investments | Rs m | -1,235 | -1,751 | 70.5% | |
From Financial Activity | Rs m | 6,376 | 2,279 | 279.7% | |
Net Cashflow | Rs m | 1,070 | -13,871 | -7.7% |
Indian Promoters | % | 59.4 | 86.5 | 68.7% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 13.6 | 5.2 | 264.0% | |
FIIs | % | 5.8 | 0.5 | 1,288.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 13.5 | 299.9% | |
Shareholders | 204,193 | 677,087 | 30.2% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K 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 | J&K Bank | Bank of Maharashtra | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.10% | 5.24% | 0.82% |
1-Month | -2.83% | 7.43% | 2.48% |
1-Year | 193.99% | 169.65% | 19.28% |
3-Year CAGR | 72.73% | 44.61% | 12.00% |
5-Year CAGR | 20.41% | 35.55% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Bank of Maharashtra share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Bank of Maharashtra the stake stands at 86.5%.
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 Bank of Maharashtra.
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%.
Bank of Maharashtra paid Rs 1.3, and its dividend payout ratio stood at 33.6%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Bank of Maharashtra.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.