Compare J&K Bank with Punjab & Sind Bank - Equitymaster

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J&K BANK vs PUNJAB & SIND 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

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Current Valuations

    J&K BANK PUNJAB & SIND BANK J&K BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x -0.6 -0.4 - View Chart
P/BV x 0.1 0.1 150.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
PUNJAB & SIND BANK
Mar-19
J&K BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs9640 237.5%   
Low Rs5524 227.1%   
Income per share (Unadj.) Rs1,189.2151.5 784.9%  
Earnings per share (Unadj.) Rs36.4-9.6 -378.4%  
Cash flow per share (Unadj.) Rs167.4-30.4 -550.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.997.9 1,129.3%  
Shares outstanding (eoy) m55.68564.91 9.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.2 29.8%   
Avg P/E ratio x2.1-3.3 -61.7%  
Avg P/CF ratio x0.30.9 33.8%  
Avg Price/Bookvalue ratio x0.10.3 20.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,18218,162 23.0%   
No. of employees `0001.08.9 11.4%   
Total wages & salary Rs m12,86911,758 109.4%   
Avg. income/employee Rs Th64,852.19,564.9 678.0%   
Avg. wages/employee Rs Th12,604.21,314.0 959.2%   
Avg. net profit/employee Rs Th1,985.2-607.4 -326.9%   
INCOME DATA
Interest income Rs m66,21485,587 77.4%  
Other income Rs m5,0084,886 102.5%   
Interest expense Rs m37,50262,790 59.7%   
Net interest income Rs m28,71222,797 125.9%  
Operating expense Rs m19,90217,111 116.3%   
Gross profit Rs m8,8105,686 154.9%  
Gross profit margin %13.36.6 200.3%  
Provisions/contingencies Rs m11,79225,709 45.9%   
Profit before tax Rs m1,209-8,588 -14.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-3,153 25.9%   
Profit after tax Rs m2,027-5,435 -37.3%  
Net profit margin %3.1-6.3 -48.2%  
BALANCE SHEET DATA
Advances Rs m569,127691,755 82.3%   
Deposits Rs m800,045985,576 81.2%  
Credit/Deposit ratio x71.170.2 101.4%  
Yield on advances %8.78.7 100.3%   
Cost of deposits %4.56.1 74.3%   
Net Interest Margin %3.42.2 152.8%  
Net fixed assets Rs m16,14912,304 131.3%   
Share capital Rs m5575,649 9.9%   
Free reserves Rs m32,33625,976 124.5%   
Net worth Rs m61,57655,318 111.3%   
Borrowings Rs m16,28327,140 60.0%   
Investments Rs m188,600261,729 72.1%   
Total assets Rs m896,8441,089,821 82.3%  
Debt/equity ratio x13.318.3 72.4%   
Return on assets %0.2-0.5 -45.3%  
Return on equity %3.3-9.8 -33.5%  
Capital adequacy ratio %11.410.9 104.5%  
Net NPAs %4.97.2 67.9%  
CASH FLOW
From Operations Rs m23,627-973 -2,427.2%  
From Investments Rs m-1,639-611 268.3%  
From Financial Activity Rs m6,684-3,561 -187.7%  
Net Cashflow Rs m28,672-5,145 -557.3%  

Share Holding

Indian Promoters % 53.2 79.6 66.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 10.8 39.8%  
FIIs % 29.3 1.8 1,627.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.8 170.5%  
Shareholders   56,111 150,895 37.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   HDFC BANK  FEDERAL BANK  KARUR VYSYA BANK  BANK OF INDIA  KOTAK MAHINDRA BANK  

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



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PUNJAB & SIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 92.4% (Quarterly Result Update)

Aug 13, 2019 | Updated on Aug 13, 2019

For the quarter ended June 2019, PUNJAB & SIND BANK has posted a net profit of Rs 303 m (up 92.4% YoY). Sales on the other hand came in at Rs 21 bn (down 5.2% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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Oct 28, 2020 (Close)

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