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- J&K BANK - PUNJAB & SIND BANK
J&K BANK vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| J&K BANK | PUNJAB & SIND BANK | J&K BANK/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 45.0 | 19.7% | View Chart |
| P/BV | x | 1.4 | 2.7 | 53.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.8 | 48.7% |
Financials
 J&K BANK  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
PUNJAB & SIND BANK Mar-23 |
J&K BANK/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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% | |
Share Holding
| 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
More on J&K Bank vs Punjab & Sind Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
J&K Bank vs Punjab & Sind Bank Share Price Performance
| Period | J&K Bank | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.80% | 0.03% | 0.53% |
| 1-Month | 0.35% | 5.10% | 3.35% |
| 1-Year | 150.24% | 82.98% | 12.82% |
| 3-Year CAGR | 78.05% | 53.23% | 14.13% |
| 5-Year CAGR | 16.53% | 16.01% | 10.21% |
* 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.
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