J&K BANK | PUNJAB & SIND BANK | J&K BANK/ PUNJAB & SIND BANK |
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P/E (TTM) | x | 9.1 | 45.9 | 19.8% | View Chart |
P/BV | x | 1.5 | 2.8 | 53.1% | View Chart |
Dividend Yield | % | 0.4 | 0.8 | 48.6% |
J&K BANK PUNJAB & SIND BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
PUNJAB & SIND BANK Mar-23 |
J&K BANK/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 45 | 140.5% | |
Low | Rs | 24 | 13 | 190.4% | |
Income per share (Unadj.) | Rs | 90.7 | 11.8 | 769.1% | |
Earnings per share (Unadj.) | Rs | 11.4 | 1.9 | 590.8% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 5.8 | 792.0% | |
Dividends per share (Unadj.) | Rs | 0.50 | 0.48 | 104.2% | |
Avg Dividend yield | % | 1.2 | 1.7 | 68.8% | |
Book value per share (Unadj.) | Rs | 95.9 | 22.3 | 430.4% | |
Shares outstanding (eoy) | m | 1,031.48 | 6,777.79 | 15.2% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 2.4 | 19.7% | |
Avg P/E ratio | x | 3.8 | 14.8 | 25.6% | |
Avg P/CF ratio | x | 2.4 | 13.4 | 18.1% | |
Avg Price/Bookvalue ratio | x | 0.5 | 1.3 | 35.2% | |
Dividend payout | % | 4.4 | 24.8 | 17.6% | |
Avg Mkt Cap | Rs m | 44,637 | 193,675 | 23.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 15,444 | 175.4% | |
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 | 79,927 | 117.0% | |
Other income | Rs m | 7,652 | 9,400 | 81.4% | |
Interest expense | Rs m | 46,094 | 50,194 | 91.8% | |
Net interest income | Rs m | 47,458 | 29,734 | 159.6% | |
Operating expense | Rs m | 36,509 | 24,634 | 148.2% | |
Gross profit | Rs m | 10,949 | 5,100 | 214.7% | |
Gross profit margin | % | 11.7 | 6.4 | 183.4% | |
Provisions/contingencies | Rs m | 6,616 | 1,369 | 483.2% | |
Profit before tax | Rs m | 17,856 | 16,198 | 110.2% | |
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 | 3,068 | 191.3% | |
Profit after tax | Rs m | 11,805 | 13,130 | 89.9% | |
Net profit margin | % | 12.6 | 16.4 | 76.8% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 768,194 | 107.1% | |
Deposits | Rs m | 1,220,272 | 1,096,655 | 111.3% | |
Credit/Deposit ratio | x | 67.4 | 70.0 | 96.3% | |
Yield on advances | % | 8.5 | 7.2 | 118.7% | |
Cost of deposits | % | 3.6 | 4.3 | 82.9% | |
Net Interest Margin | % | 4.1 | 2.4 | 165.9% | |
Net fixed assets | Rs m | 22,244 | 15,194 | 146.4% | |
Share capital | Rs m | 1,032 | 67,778 | 1.5% | |
Free reserves | Rs m | 97,932 | 83,307 | 117.6% | |
Net worth | Rs m | 98,963 | 151,085 | 65.5% | |
Borrowings | Rs m | 28,923 | 90,184 | 32.1% | |
Investments | Rs m | 347,804 | 448,384 | 77.6% | |
Total assets | Rs m | 1,459,126 | 1,364,545 | 106.9% | |
Debt/equity ratio | x | 12.6 | 7.9 | 160.7% | |
Return on assets | % | 0.8 | 1.0 | 84.1% | |
Return on equity | % | 11.9 | 8.7 | 137.3% | |
Capital adequacy ratio | % | 15.4 | 17.1 | 90.1% | |
Net NPAs | % | 1.6 | 1.8 | 88.0% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | 14,284 | -28.5% | |
From Investments | Rs m | -1,235 | -882 | 140.1% | |
From Financial Activity | Rs m | 6,376 | -13,317 | -47.9% | |
Net Cashflow | Rs m | 1,070 | 85 | 1,258.7% |
Indian Promoters | % | 59.4 | 98.3 | 60.5% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 0.7 | 2,220.9% | |
FIIs | % | 7.0 | 0.0 | 34,950.0% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 1.8 | 2,320.0% | |
Shareholders | 215,294 | 184,679 | 116.6% | ||
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 | Punjab & Sind Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.20% | 1.95% | 0.71% |
1-Month | 2.56% | 7.14% | 4.08% |
1-Year | 153.79% | 88.19% | 13.57% |
3-Year CAGR | 79.35% | 54.22% | 14.40% |
5-Year CAGR | 16.90% | 16.38% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Punjab & Sind 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 Punjab & Sind Bank the stake stands at 98.3%.
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 Punjab & Sind 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%.
Punjab & Sind Bank paid Rs 0.5, and its dividend payout ratio stood at 24.8%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Punjab & Sind 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.