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- Indian - banking
- J&K BANK - SOUTH IND.BANK
J&K BANK vs SOUTH IND.BANK - Comparison Results
Current Valuations
| J&K BANK | SOUTH IND.BANK | J&K BANK/ SOUTH IND.BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.8 | 6.4 | 137.5% | View Chart |
| P/BV | x | 1.4 | 1.1 | 133.5% | View Chart |
| Dividend Yield | % | 0.4 | 1.1 | 35.5% |
Financials
 J&K BANK  SOUTH IND.BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
SOUTH IND.BANK Mar-23 |
J&K BANK/ SOUTH IND.BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 22 | 287.8% | |
| Low | Rs | 24 | 7 | 327.4% | |
| Income per share (Unadj.) | Rs | 90.7 | 34.6 | 262.4% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 3.7 | 308.9% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 13.5 | 341.0% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0.30 | 166.7% | |
| Avg Dividend yield | % | 1.2 | 2.1 | 56.0% | |
| Book value per share (Unadj.) | Rs | 95.9 | 31.9 | 300.8% | |
| Shares outstanding (eoy) | m | 1,031.48 | 2,092.74 | 49.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.4 | 113.5% | |
| Avg P/E ratio | x | 3.8 | 3.9 | 96.4% | |
| Avg P/CF ratio | x | 2.4 | 2.0 | 120.1% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 99.0% | |
| Dividend payout | % | 4.4 | 8.1 | 54.0% | |
| Avg Mkt Cap | Rs m | 44,637 | 30,418 | 146.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 13,080 | 207.1% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 93,552 | 72,332 | 129.3% | |
| Other income | Rs m | 7,652 | 8,114 | 94.3% | |
| Interest expense | Rs m | 46,094 | 42,211 | 109.2% | |
| Net interest income | Rs m | 47,458 | 30,121 | 157.6% | |
| Operating expense | Rs m | 36,509 | 23,158 | 157.6% | |
| Gross profit | Rs m | 10,949 | 6,963 | 157.3% | |
| Gross profit margin | % | 11.7 | 9.6 | 121.6% | |
| Provisions/contingencies | Rs m | 6,616 | 7,323 | 90.3% | |
| Profit before tax | Rs m | 17,856 | 12,468 | 143.2% | |
| 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 | 4,715 | 124.5% | |
| Profit after tax | Rs m | 11,805 | 7,753 | 152.3% | |
| Net profit margin | % | 12.6 | 10.7 | 117.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 698,044 | 117.9% | |
| Deposits | Rs m | 1,220,272 | 916,501 | 133.1% | |
| Credit/Deposit ratio | x | 67.4 | 76.2 | 88.5% | |
| Yield on advances | % | 8.5 | 8.2 | 103.9% | |
| Cost of deposits | % | 3.6 | 4.2 | 84.8% | |
| Net Interest Margin | % | 4.1 | 3.2 | 127.1% | |
| Net fixed assets | Rs m | 22,244 | 7,539 | 295.0% | |
| Share capital | Rs m | 1,032 | 2,093 | 49.3% | |
| Free reserves | Rs m | 97,932 | 64,654 | 151.5% | |
| Net worth | Rs m | 98,963 | 66,746 | 148.3% | |
| Borrowings | Rs m | 28,923 | 69,939 | 41.4% | |
| Investments | Rs m | 347,804 | 246,413 | 141.1% | |
| Total assets | Rs m | 1,459,126 | 1,076,972 | 135.5% | |
| Debt/equity ratio | x | 12.6 | 14.8 | 85.4% | |
| Return on assets | % | 0.8 | 0.7 | 112.4% | |
| Return on equity | % | 11.9 | 11.6 | 102.7% | |
| Capital adequacy ratio | % | 15.4 | 17.3 | 89.3% | |
| Net NPAs | % | 1.6 | 1.9 | 87.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -72,608 | 5.6% | |
| From Investments | Rs m | -1,235 | -3,861 | 32.0% | |
| From Financial Activity | Rs m | 6,376 | 35,239 | 18.1% | |
| Net Cashflow | Rs m | 1,070 | -41,229 | -2.6% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 19.5 | 76.2% | |
| FIIs | % | 7.0 | 15.0 | 46.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 215,294 | 1,046,619 | 20.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs South Ind.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 South Ind.Bank Share Price Performance
| Period | J&K Bank | South Ind.Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -1.79% | -0.83% | -0.12% |
| 1-Month | -2.39% | -2.91% | 0.90% |
| 1-Year | 153.30% | 75.51% | 11.03% |
| 3-Year CAGR | 77.66% | 52.57% | 14.48% |
| 5-Year CAGR | 17.06% | 10.13% | 9.75% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the South Ind.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 South Ind.Bank the stake stands at 0.0%.
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 South Ind.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%.
South Ind.Bank paid Rs 0.3, and its dividend payout ratio stood at 8.1%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of South Ind.Bank.
For a sector overview, read our banking sector report.
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