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- Indian - banking
- J&K BANK - CSB BANK
J&K BANK vs CSB BANK - Comparison Results
Current Valuations
| J&K BANK | CSB BANK | J&K BANK/ CSB BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | 12.2 | 74.2% | View Chart |
| P/BV | x | 1.5 | 2.2 | 67.1% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  CSB BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
CSB BANK Mar-23 |
J&K BANK/ CSB BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 275 | 22.8% | |
| Low | Rs | 24 | 178 | 13.4% | |
| Income per share (Unadj.) | Rs | 90.7 | 133.7 | 67.8% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 31.6 | 36.3% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 87.4 | 52.8% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 183.6 | 52.3% | |
| Shares outstanding (eoy) | m | 1,031.48 | 173.49 | 594.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.7 | 28.2% | |
| Avg P/E ratio | x | 3.8 | 7.2 | 52.7% | |
| Avg P/CF ratio | x | 2.4 | 5.6 | 43.6% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.2 | 36.6% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 39,295 | 113.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 5,585 | 485.0% | |
| 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 | 23,197 | 403.3% | |
| Other income | Rs m | 7,652 | 3,160 | 242.2% | |
| Interest expense | Rs m | 46,094 | 9,858 | 467.6% | |
| Net interest income | Rs m | 47,458 | 13,338 | 355.8% | |
| Operating expense | Rs m | 36,509 | 9,425 | 387.4% | |
| Gross profit | Rs m | 10,949 | 3,914 | 279.8% | |
| Gross profit margin | % | 11.7 | 16.9 | 69.4% | |
| Provisions/contingencies | Rs m | 6,616 | 1,600 | 413.4% | |
| Profit before tax | Rs m | 17,856 | 7,336 | 243.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | -181 | 0 | - | |
| Tax | Rs m | 5,870 | 1,863 | 315.2% | |
| Profit after tax | Rs m | 11,805 | 5,474 | 215.7% | |
| Net profit margin | % | 12.6 | 23.6 | 53.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 206,506 | 398.4% | |
| Deposits | Rs m | 1,220,272 | 245,058 | 498.0% | |
| Credit/Deposit ratio | x | 67.4 | 84.3 | 80.0% | |
| Yield on advances | % | 8.5 | 9.1 | 93.0% | |
| Cost of deposits | % | 3.6 | 3.7 | 95.3% | |
| Net Interest Margin | % | 4.1 | 5.0 | 80.5% | |
| Net fixed assets | Rs m | 22,244 | 3,194 | 696.5% | |
| Share capital | Rs m | 1,032 | 1,735 | 59.4% | |
| Free reserves | Rs m | 97,932 | 30,118 | 325.2% | |
| Net worth | Rs m | 98,963 | 31,853 | 310.7% | |
| Borrowings | Rs m | 28,923 | 7,830 | 369.4% | |
| Investments | Rs m | 347,804 | 58,487 | 594.7% | |
| Total assets | Rs m | 1,459,126 | 291,623 | 500.3% | |
| Debt/equity ratio | x | 12.6 | 7.9 | 159.0% | |
| Return on assets | % | 0.8 | 1.9 | 43.1% | |
| Return on equity | % | 11.9 | 17.2 | 69.4% | |
| Capital adequacy ratio | % | 15.4 | 27.1 | 56.9% | |
| Net NPAs | % | 1.6 | 0.4 | 462.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 22,115 | -18.4% | |
| From Investments | Rs m | -1,235 | -7,243 | 17.1% | |
| From Financial Activity | Rs m | 6,376 | -12,242 | -52.1% | |
| Net Cashflow | Rs m | 1,070 | 2,629 | 40.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 49.7 | - | |
| Indian inst/Mut Fund | % | 14.9 | 20.9 | 71.3% | |
| FIIs | % | 7.0 | 4.9 | 141.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 50.3 | 80.7% | |
| Shareholders | 215,294 | 63,497 | 339.1% | ||
| 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 CSB 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 CSB BANK Share Price Performance
| Period | J&K Bank | CSB BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.20% | 0.30% | 0.71% |
| 1-Month | 2.56% | 16.60% | 4.08% |
| 1-Year | 153.79% | 42.06% | 13.57% |
| 3-Year CAGR | 79.35% | 16.34% | 14.40% |
| 5-Year CAGR | 16.90% | 6.09% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the CSB 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 CSB BANK the stake stands at 49.7%.
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 CSB 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%.
CSB 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 CSB BANK.
For a sector overview, read our banking sector report.
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