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- Indian - banking
- J&K BANK - CENTRAL BANK
J&K BANK vs CENTRAL BANK - Comparison Results
Current Valuations
| J&K BANK | CENTRAL BANK | J&K BANK/ CENTRAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | 24.5 | 37.1% | View Chart |
| P/BV | x | 1.5 | 2.0 | 75.2% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  CENTRAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
CENTRAL BANK Mar-23 |
J&K BANK/ CENTRAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 42 | 150.1% | |
| Low | Rs | 24 | 16 | 147.8% | |
| Income per share (Unadj.) | Rs | 90.7 | 29.6 | 306.9% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 1.9 | 591.8% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 7.3 | 632.0% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 33.7 | 285.1% | |
| Shares outstanding (eoy) | m | 1,031.48 | 8,680.94 | 11.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.0 | 48.7% | |
| Avg P/E ratio | x | 3.8 | 15.0 | 25.3% | |
| Avg P/CF ratio | x | 2.4 | 3.6 | 67.5% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.9 | 52.4% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 251,313 | 17.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 56,157 | 48.2% | |
| 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 | 93,552 | 256,571 | 36.5% | |
| Other income | Rs m | 7,652 | 40,845 | 18.7% | |
| Interest expense | Rs m | 46,094 | 139,051 | 33.1% | |
| Net interest income | Rs m | 47,458 | 117,520 | 40.4% | |
| Operating expense | Rs m | 36,509 | 89,100 | 41.0% | |
| Gross profit | Rs m | 10,949 | 28,420 | 38.5% | |
| Gross profit margin | % | 11.7 | 11.1 | 105.7% | |
| Provisions/contingencies | Rs m | 6,616 | 53,172 | 12.4% | |
| Profit before tax | Rs m | 17,856 | 26,725 | 66.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -96 | -0.0% | |
| Prior Period Items | Rs m | -181 | 791 | -22.9% | |
| Tax | Rs m | 5,870 | 10,631 | 55.2% | |
| Profit after tax | Rs m | 11,805 | 16,788 | 70.3% | |
| Net profit margin | % | 12.6 | 6.5 | 192.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 2,038,933 | 40.4% | |
| Deposits | Rs m | 1,220,272 | 3,597,751 | 33.9% | |
| Credit/Deposit ratio | x | 67.4 | 56.7 | 119.0% | |
| Yield on advances | % | 8.5 | 7.4 | 115.4% | |
| Cost of deposits | % | 3.6 | 3.7 | 95.5% | |
| Net Interest Margin | % | 4.1 | 3.5 | 117.5% | |
| Net fixed assets | Rs m | 22,244 | 47,856 | 46.5% | |
| Share capital | Rs m | 1,032 | 86,809 | 1.2% | |
| Free reserves | Rs m | 97,932 | 205,358 | 47.7% | |
| Net worth | Rs m | 98,963 | 292,167 | 33.9% | |
| Borrowings | Rs m | 28,923 | 83,339 | 34.7% | |
| Investments | Rs m | 347,804 | 1,365,694 | 25.5% | |
| Total assets | Rs m | 1,459,126 | 4,070,797 | 35.8% | |
| Debt/equity ratio | x | 12.6 | 12.6 | 100.2% | |
| Return on assets | % | 0.8 | 0.4 | 196.2% | |
| Return on equity | % | 11.9 | 5.7 | 207.6% | |
| Capital adequacy ratio | % | 15.4 | 14.1 | 109.1% | |
| Net NPAs | % | 1.6 | 1.8 | 91.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -87,863 | 4.6% | |
| From Investments | Rs m | -1,235 | -2,087 | 59.2% | |
| From Financial Activity | Rs m | 6,376 | NA | - | |
| Net Cashflow | Rs m | 1,070 | -89,950 | -1.2% | |
Share Holding
| Indian Promoters | % | 59.4 | 93.1 | 63.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 3.0 | 501.0% | |
| FIIs | % | 7.0 | 0.2 | 4,111.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 6.9 | 586.7% | |
| Shareholders | 215,294 | 643,550 | 33.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Central Bank
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 Central Bank Share Price Performance
| Period | J&K Bank | Central Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.00% | 0.33% | -0.70% |
| 1-Month | 2.56% | 13.05% | 3.35% |
| 1-Year | 148.27% | 138.41% | 12.35% |
| 3-Year CAGR | 79.35% | 59.81% | 14.13% |
| 5-Year CAGR | 16.00% | 14.60% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Central Bank share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Central Bank the stake stands at 93.1%.
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 Central Bank.
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%.
Central Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Central Bank.
For a sector overview, read our banking sector report.
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