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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 4.0 17.4 22.7% View Chart
P/BV x 0.3 2.9 10.4% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 J&K BANK   CITY UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
CITY UNION BANK
Mar-18
J&K BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs96209 45.8%   
Low Rs55145 37.6%   
Income per share (Unadj.) Rs1,189.251.2 2,323.3%  
Earnings per share (Unadj.) Rs36.48.9 408.7%  
Cash flow per share (Unadj.) Rs167.417.0 987.3%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs1,105.962.6 1,765.7%  
Shares outstanding (eoy) m55.68664.73 8.4%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.13.5 1.8%   
Avg P/E ratio x2.119.9 10.4%  
Avg P/CF ratio x0.311.6 2.6%  
Avg Price/Bookvalue ratio x0.12.8 2.4%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m4,182117,591 3.6%   
No. of employees `0001.05.3 19.2%   
Total wages & salary Rs m12,8693,159 407.4%   
Avg. income/employee Rs Th64,852.16,396.7 1,013.8%   
Avg. wages/employee Rs Th12,604.2593.9 2,122.4%   
Avg. net profit/employee Rs Th1,985.21,113.0 178.4%   
INCOME DATA
Interest income Rs m66,21434,024 194.6%  
Other income Rs m5,0085,321 94.1%   
Interest expense Rs m37,50219,721 190.2%   
Net interest income Rs m28,71214,303 200.7%  
Operating expense Rs m19,9027,547 263.7%   
Gross profit Rs m8,8106,757 130.4%  
Gross profit margin %13.319.9 67.0%  
Provisions/contingencies Rs m11,7924,178 282.3%   
Profit before tax Rs m1,2097,900 15.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8181,980 -41.3%   
Profit after tax Rs m2,0275,920 34.2%  
Net profit margin %3.117.4 17.6%  
BALANCE SHEET DATA
Advances Rs m569,127278,528 204.3%   
Deposits Rs m800,045328,526 243.5%  
Credit/Deposit ratio x71.184.8 83.9%  
Yield on advances %8.710.2 85.8%   
Cost of deposits %4.55.9 77.0%   
Net Interest Margin %3.43.7 91.7%  
Net fixed assets Rs m16,1492,231 723.7%   
Share capital Rs m557665 83.8%   
Free reserves Rs m32,33640,968 78.9%   
Net worth Rs m61,57641,632 147.9%   
Borrowings Rs m16,28317,359 93.8%   
Investments Rs m188,60078,791 239.4%   
Total assets Rs m896,844399,373 224.6%  
Debt/equity ratio x13.38.3 159.6%   
Return on assets %0.21.5 15.2%  
Return on equity %3.314.2 23.1%  
Capital adequacy ratio %11.416.2 70.4%  
Net NPAs %4.91.7 288.2%  
CASH FLOW
From Operations Rs m23,627-1,831 -1,290.4%  
From Investments Rs m-1,639-605 270.7%  
From Financial Activity Rs m6,68411 61,323.9%  
Net Cashflow Rs m28,672-2,425 -1,182.2%  

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:   AXIS BANK  CORPORATION BANK  IDBI BANK  VIJAYA BANK  ICICI BANK  

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



Today's Market

Sensex Falls 250 Points; Metal & Realty Stocks Drag(12:30 pm)

Share markets in India are presently trading on a negative note. All sectoral indices are trading in red with stocks in the metal sector, realty sector and capital goods sector.

Related Views on News

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

J&K BANK Announces Quarterly Results (3QFY19); Net Profit Up 43.2% (Quarterly Result Update)

Jan 14, 2019 | Updated on Jan 14, 2019

For the quarter ended December 2018, J&K BANK has posted a net profit of Rs 1 bn (up 43.2% YoY). Sales on the other hand came in at Rs 20 bn (up 19.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

J&K BANK Announces Quarterly Results (2QFY19); Net Profit Up 30.9% (Quarterly Result Update)

Oct 17, 2018 | Updated on Oct 17, 2018

For the quarter ended September 2018, J&K BANK has posted a net profit of Rs 938 m (up 30.9% YoY). Sales on the other hand came in at Rs 18 bn (up 10.4% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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Jul 24, 2019 12:25 PM

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