J&K BANK | DCB BANK | J&K BANK/ DCB BANK |
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P/E (TTM) | x | 8.8 | 7.2 | 121.2% | View Chart |
P/BV | x | 1.4 | 0.8 | 171.8% | View Chart |
Dividend Yield | % | 0.4 | 1.0 | 37.8% |
J&K BANK DCB BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
DCB BANK Mar-23 |
J&K BANK/ DCB BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 141 | 44.4% | |
Low | Rs | 24 | 69 | 34.4% | |
Income per share (Unadj.) | Rs | 90.7 | 134.8 | 67.3% | |
Earnings per share (Unadj.) | Rs | 11.4 | 14.9 | 76.6% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 52.8 | 87.3% | |
Dividends per share (Unadj.) | Rs | 0.50 | 1.25 | 40.0% | |
Avg Dividend yield | % | 1.2 | 1.2 | 97.2% | |
Book value per share (Unadj.) | Rs | 95.9 | 146.5 | 65.5% | |
Shares outstanding (eoy) | m | 1,031.48 | 311.50 | 331.1% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 0.8 | 61.2% | |
Avg P/E ratio | x | 3.8 | 7.0 | 53.7% | |
Avg P/CF ratio | x | 2.4 | 4.2 | 58.2% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.7 | 62.8% | |
Dividend payout | % | 4.4 | 8.4 | 52.2% | |
Avg Mkt Cap | Rs m | 44,637 | 32,762 | 136.2% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 6,929 | 390.9% | |
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 | 42,003 | 222.7% | |
Other income | Rs m | 7,652 | 4,094 | 186.9% | |
Interest expense | Rs m | 46,094 | 24,833 | 185.6% | |
Net interest income | Rs m | 47,458 | 17,170 | 276.4% | |
Operating expense | Rs m | 36,509 | 13,397 | 272.5% | |
Gross profit | Rs m | 10,949 | 3,773 | 290.2% | |
Gross profit margin | % | 11.7 | 9.0 | 130.3% | |
Provisions/contingencies | Rs m | 6,616 | 3,212 | 206.0% | |
Profit before tax | Rs m | 17,856 | 6,276 | 284.5% | |
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 | 1,620 | 362.3% | |
Profit after tax | Rs m | 11,805 | 4,656 | 253.6% | |
Net profit margin | % | 12.6 | 11.1 | 113.8% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 822,776 | 343,807 | 239.3% | |
Deposits | Rs m | 1,220,272 | 412,389 | 295.9% | |
Credit/Deposit ratio | x | 67.4 | 83.4 | 80.9% | |
Yield on advances | % | 8.5 | 9.9 | 86.1% | |
Cost of deposits | % | 3.6 | 5.4 | 66.0% | |
Net Interest Margin | % | 4.1 | 3.7 | 110.9% | |
Net fixed assets | Rs m | 22,244 | 7,827 | 284.2% | |
Share capital | Rs m | 1,032 | 3,115 | 33.1% | |
Free reserves | Rs m | 97,932 | 42,515 | 230.3% | |
Net worth | Rs m | 98,963 | 45,630 | 216.9% | |
Borrowings | Rs m | 28,923 | 41,181 | 70.2% | |
Investments | Rs m | 347,804 | 125,825 | 276.4% | |
Total assets | Rs m | 1,459,126 | 523,659 | 278.6% | |
Debt/equity ratio | x | 12.6 | 9.9 | 127.0% | |
Return on assets | % | 0.8 | 0.9 | 91.0% | |
Return on equity | % | 11.9 | 10.2 | 116.9% | |
Capital adequacy ratio | % | 15.4 | 17.6 | 87.8% | |
Net NPAs | % | 1.6 | 1.0 | 155.8% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | -15,657 | 26.0% | |
From Investments | Rs m | -1,235 | -1,648 | 75.0% | |
From Financial Activity | Rs m | 6,376 | 81 | 7,829.0% | |
Net Cashflow | Rs m | 1,070 | -17,223 | -6.2% |
Indian Promoters | % | 59.4 | 0.8 | 7,615.4% | |
Foreign collaborators | % | 0.0 | 14.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 42.4 | 35.1% | |
FIIs | % | 7.0 | 12.8 | 54.8% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 85.2 | 47.6% | |
Shareholders | 215,294 | 248,471 | 86.6% | ||
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 | DCB Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | -2.33% | 0.21% | 1.02% |
1-Month | -2.92% | 1.38% | 2.05% |
1-Year | 151.92% | 17.95% | 12.30% |
3-Year CAGR | 77.34% | 11.57% | 14.92% |
5-Year CAGR | 16.93% | -10.24% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the DCB 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 DCB Bank the stake stands at 14.8%.
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 DCB 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%.
DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 8.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of DCB Bank.
For a sector overview, read our banking sector report.
After opening the day deep in red, Indian share markets reversed the trend as the session progressed and ended on firm footing.