J&K BANK | CITY UNION BANK | J&K BANK/ CITY UNION BANK |
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P/E (TTM) | x | 9.0 | 11.8 | 75.9% | View Chart |
P/BV | x | 1.5 | 1.5 | 93.9% | View Chart |
Dividend Yield | % | 0.4 | 0.6 | 59.6% |
J&K BANK CITY UNION BANK |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
J&K BANK Mar-23 |
CITY UNION BANK Mar-23 |
J&K BANK/ CITY UNION BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 205 | 30.6% | |
Low | Rs | 24 | 118 | 20.2% | |
Income per share (Unadj.) | Rs | 90.7 | 63.7 | 142.4% | |
Earnings per share (Unadj.) | Rs | 11.4 | 12.7 | 90.4% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 19.6 | 235.1% | |
Dividends per share (Unadj.) | Rs | 0.50 | 1.00 | 50.0% | |
Avg Dividend yield | % | 1.2 | 0.6 | 186.3% | |
Book value per share (Unadj.) | Rs | 95.9 | 100.7 | 95.3% | |
Shares outstanding (eoy) | m | 1,031.48 | 740.42 | 139.3% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 2.5 | 18.8% | |
Avg P/E ratio | x | 3.8 | 12.7 | 29.7% | |
Avg P/CF ratio | x | 2.4 | 6.6 | 36.9% | |
Avg Price/Bookvalue ratio | x | 0.5 | 1.6 | 28.2% | |
Dividend payout | % | 4.4 | 7.9 | 55.3% | |
Avg Mkt Cap | Rs m | 44,637 | 119,411 | 37.4% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 5,304 | 510.7% | |
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 | 47,143 | 198.4% | |
Other income | Rs m | 7,652 | 8,104 | 94.4% | |
Interest expense | Rs m | 46,094 | 25,515 | 180.7% | |
Net interest income | Rs m | 47,458 | 21,628 | 219.4% | |
Operating expense | Rs m | 36,509 | 11,552 | 316.0% | |
Gross profit | Rs m | 10,949 | 10,076 | 108.7% | |
Gross profit margin | % | 11.7 | 21.4 | 54.8% | |
Provisions/contingencies | Rs m | 6,616 | 8,805 | 75.1% | |
Profit before tax | Rs m | 17,856 | 11,775 | 151.6% | |
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 | 2,400 | 244.6% | |
Profit after tax | Rs m | 11,805 | 9,375 | 125.9% | |
Net profit margin | % | 12.6 | 19.9 | 63.5% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 822,776 | 430,533 | 191.1% | |
Deposits | Rs m | 1,220,272 | 523,979 | 232.9% | |
Credit/Deposit ratio | x | 67.4 | 82.2 | 82.1% | |
Yield on advances | % | 8.5 | 8.8 | 96.3% | |
Cost of deposits | % | 3.6 | 4.4 | 81.9% | |
Net Interest Margin | % | 4.1 | 3.8 | 107.6% | |
Net fixed assets | Rs m | 22,244 | 2,393 | 929.5% | |
Share capital | Rs m | 1,032 | 740 | 139.3% | |
Free reserves | Rs m | 97,932 | 73,832 | 132.6% | |
Net worth | Rs m | 98,963 | 74,572 | 132.7% | |
Borrowings | Rs m | 28,923 | 46,881 | 61.7% | |
Investments | Rs m | 347,804 | 143,326 | 242.7% | |
Total assets | Rs m | 1,459,126 | 665,946 | 219.1% | |
Debt/equity ratio | x | 12.6 | 7.7 | 164.9% | |
Return on assets | % | 0.8 | 1.4 | 57.5% | |
Return on equity | % | 11.9 | 12.6 | 94.9% | |
Capital adequacy ratio | % | 15.4 | 22.3 | 69.0% | |
Net NPAs | % | 1.6 | 2.4 | 68.6% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | 1,004 | -405.5% | |
From Investments | Rs m | -1,235 | -719 | 171.8% | |
From Financial Activity | Rs m | 6,376 | -662 | -963.6% | |
Net Cashflow | Rs m | 1,070 | -377 | -284.0% |
Indian Promoters | % | 59.4 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 56.5 | 26.4% | |
FIIs | % | 7.0 | 27.0 | 25.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 100.0 | 40.6% | |
Shareholders | 215,294 | 248,815 | 86.5% | ||
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 | City Union Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.72% | -0.51% | 0.18% |
1-Month | 1.16% | 14.73% | 2.80% |
1-Year | 152.27% | 15.84% | 12.23% |
3-Year CAGR | 79.45% | -2.01% | 14.67% |
5-Year CAGR | 17.01% | -5.37% | 10.37% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the City Union 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 City Union Bank the stake stands at 0.0%.
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 City Union 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%.
City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of City Union Bank.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.