J&K BANK | PNB | J&K BANK/ PNB |
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P/E (TTM) | x | 9.1 | 21.6 | 42.1% | View Chart |
P/BV | x | 1.5 | 1.5 | 100.9% | View Chart |
Dividend Yield | % | 0.4 | 0.5 | 79.3% |
J&K BANK PNB |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
PNB Mar-23 |
J&K BANK/ PNB |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 62 | 101.1% | |
Low | Rs | 24 | 28 | 84.8% | |
Income per share (Unadj.) | Rs | 90.7 | 78.9 | 115.0% | |
Earnings per share (Unadj.) | Rs | 11.4 | 3.0 | 376.4% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 8.7 | 528.2% | |
Dividends per share (Unadj.) | Rs | 0.50 | 0.65 | 76.9% | |
Avg Dividend yield | % | 1.2 | 1.4 | 80.1% | |
Book value per share (Unadj.) | Rs | 95.9 | 93.4 | 102.7% | |
Shares outstanding (eoy) | m | 1,031.48 | 11,011.02 | 9.4% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 0.6 | 83.5% | |
Avg P/E ratio | x | 3.8 | 14.8 | 25.5% | |
Avg P/CF ratio | x | 2.4 | 2.1 | 113.4% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 93.5% | |
Dividend payout | % | 4.4 | 21.4 | 20.4% | |
Avg Mkt Cap | Rs m | 44,637 | 496,046 | 9.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 149,426 | 18.1% | |
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 | 868,453 | 10.8% | |
Other income | Rs m | 7,652 | 122,396 | 6.3% | |
Interest expense | Rs m | 46,094 | 518,170 | 8.9% | |
Net interest income | Rs m | 47,458 | 350,283 | 13.5% | |
Operating expense | Rs m | 36,509 | 243,357 | 15.0% | |
Gross profit | Rs m | 10,949 | 106,926 | 10.2% | |
Gross profit margin | % | 11.7 | 12.3 | 95.1% | |
Provisions/contingencies | Rs m | 6,616 | 198,629 | 3.3% | |
Profit before tax | Rs m | 17,856 | 48,614 | 36.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -103 | -0.0% | |
Prior Period Items | Rs m | -181 | 2,894 | -6.2% | |
Tax | Rs m | 5,870 | 17,921 | 32.8% | |
Profit after tax | Rs m | 11,805 | 33,485 | 35.3% | |
Net profit margin | % | 12.6 | 3.9 | 327.3% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 822,776 | 8,374,590 | 9.8% | |
Deposits | Rs m | 1,220,272 | 12,903,471 | 9.5% | |
Credit/Deposit ratio | x | 67.4 | 64.9 | 103.9% | |
Yield on advances | % | 8.5 | 6.9 | 123.3% | |
Cost of deposits | % | 3.6 | 3.6 | 97.9% | |
Net Interest Margin | % | 4.1 | 2.8 | 145.2% | |
Net fixed assets | Rs m | 22,244 | 120,840 | 18.4% | |
Share capital | Rs m | 1,032 | 22,022 | 4.7% | |
Free reserves | Rs m | 97,932 | 1,006,783 | 9.7% | |
Net worth | Rs m | 98,963 | 1,028,805 | 9.6% | |
Borrowings | Rs m | 28,923 | 701,486 | 4.1% | |
Investments | Rs m | 347,804 | 4,169,138 | 8.3% | |
Total assets | Rs m | 1,459,126 | 14,936,490 | 9.8% | |
Debt/equity ratio | x | 12.6 | 13.2 | 95.5% | |
Return on assets | % | 0.8 | 0.2 | 360.9% | |
Return on equity | % | 11.9 | 3.3 | 366.5% | |
Capital adequacy ratio | % | 15.4 | 15.5 | 99.4% | |
Net NPAs | % | 1.6 | 2.7 | 59.6% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -4,071 | 225,921 | -1.8% | |
From Investments | Rs m | -1,235 | -7,325 | 16.9% | |
From Financial Activity | Rs m | 6,376 | 12,750 | 50.0% | |
Net Cashflow | Rs m | 1,070 | 231,346 | 0.5% |
Indian Promoters | % | 59.4 | 73.2 | 81.2% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 17.2 | 86.6% | |
FIIs | % | 7.0 | 4.8 | 145.0% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 26.9 | 151.2% | |
Shareholders | 215,294 | 2,353,625 | 9.1% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK 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 | PNB | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.00% | 0.44% | -0.70% |
1-Month | 2.56% | 10.00% | 3.35% |
1-Year | 148.27% | 171.65% | 12.35% |
3-Year CAGR | 79.35% | 58.22% | 14.13% |
5-Year CAGR | 16.00% | 9.14% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of PNB the stake stands at 73.2%.
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 PNB.
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%.
PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets reversed the trend as the session progressed and ended the lower.