Compare J&K Bank with City Union Bank - Equitymaster

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J&K BANK vs CITY UNION BANK - Comparison Results

J&K BANK     Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    J&K BANK CITY UNION BANK J&K BANK/
CITY UNION BANK
 
P/E (TTM) x -1.2 25.5 - View Chart
P/BV x 0.2 2.0 11.2% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 J&K BANK   CITY UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
CITY UNION BANK
Mar-19
J&K BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs96207 46.2%   
Low Rs55157 34.7%   
Income per share (Unadj.) Rs1,189.251.3 2,318.6%  
Earnings per share (Unadj.) Rs36.49.3 391.6%  
Cash flow per share (Unadj.) Rs167.420.4 822.0%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs1,105.965.9 1,678.0%  
Shares outstanding (eoy) m55.68734.50 7.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.13.6 1.8%   
Avg P/E ratio x2.119.6 10.5%  
Avg P/CF ratio x0.313.4 2.3%  
Avg Price/Bookvalue ratio x0.12.8 2.5%  
Dividend payout %05.4 0.0%   
Avg Mkt Cap Rs m4,182133,752 3.1%   
No. of employees `0001.05.5 18.5%   
Total wages & salary Rs m12,8693,644 353.1%   
Avg. income/employee Rs Th64,852.16,827.1 949.9%   
Avg. wages/employee Rs Th12,604.2660.5 1,908.4%   
Avg. net profit/employee Rs Th1,985.21,237.5 160.4%   
INCOME DATA
Interest income Rs m66,21437,672 175.8%  
Other income Rs m5,0085,144 97.4%   
Interest expense Rs m37,50221,557 174.0%   
Net interest income Rs m28,71216,115 178.2%  
Operating expense Rs m19,9028,859 224.7%   
Gross profit Rs m8,8107,256 121.4%  
Gross profit margin %13.319.3 69.1%  
Provisions/contingencies Rs m11,7923,151 374.2%   
Profit before tax Rs m1,2099,249 13.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8182,420 -33.8%   
Profit after tax Rs m2,0276,829 29.7%  
Net profit margin %3.118.1 16.9%  
BALANCE SHEET DATA
Advances Rs m569,127326,733 174.2%   
Deposits Rs m800,045384,480 208.1%  
Credit/Deposit ratio x71.185.0 83.7%  
Yield on advances %8.79.7 89.9%   
Cost of deposits %4.55.5 82.3%   
Net Interest Margin %3.43.7 91.9%  
Net fixed assets Rs m16,1492,500 645.9%   
Share capital Rs m557735 75.8%   
Free reserves Rs m32,33647,673 67.8%   
Net worth Rs m61,57648,408 127.2%   
Borrowings Rs m16,2834,809 338.6%   
Investments Rs m188,60077,122 244.5%   
Total assets Rs m896,844452,589 198.2%  
Debt/equity ratio x13.38.0 164.9%   
Return on assets %0.21.5 15.0%  
Return on equity %3.314.1 23.3%  
Capital adequacy ratio %11.415.6 73.4%  
Net NPAs %4.91.8 270.7%  
CASH FLOW
From Operations Rs m23,6273,969 595.3%  
From Investments Rs m-1,639-867 189.0%  
From Financial Activity Rs m6,684166 4,019.4%  
Net Cashflow Rs m28,6723,269 877.2%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 10.2 42.2%  
FIIs % 29.3 33.4 87.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 56.0 23.8%  
Shareholders   56,111 82,699 67.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   UNION BANK  INDIAN OVERSEAS BANK  ICICI BANK  PUNJAB & SIND BANK  SYNDICATE BANK  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Feb 26, 2021 (Close)

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