X

Sign up for Equitymaster's free daily newsletter, The 5 Minute WrapUp and get access to our latest Multibagger guide (2018 Edition) on picking money-making stocks.

This is an entirely free service. No payments are to be made.


Download Now Subscribe to our free daily e-letter, The 5 Minute WrapUp and get this complimentary report.
We hate spam as much as you do. Check out our Privacy Policy and Terms Of Use.
Compare J&K Bank with Union Bank - Equitymaster

Helping You Build Wealth With Honest Research
Since 1996. Try Now

  • MyStocks

MEMBER'S LOGINX

     
Login Failure
   
     
   
     
 
 
 
(Please do not use this option on a public machine)
 
     
 
 
 
  Sign Up | Forgot Password?  

J&K BANK vs UNION 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

DO YOU LIKE THESE REPORTS? TELL US!

Current Valuations

    J&K BANK UNION BANK J&K BANK/
UNION BANK
 
P/E (TTM) x 7.0 -1.4 - View Chart
P/BV x 0.3 0.2 143.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
UNION BANK
Mar-18
J&K BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs96205 46.7%   
Low Rs5586 63.4%   
Income per share (Unadj.) Rs1,189.2282.0 421.7%  
Earnings per share (Unadj.) Rs36.4-44.6 -81.6%  
Cash flow per share (Unadj.) Rs167.4-115.2 -145.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.9216.1 511.8%  
Shares outstanding (eoy) m55.681,168.57 4.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.5 12.2%   
Avg P/E ratio x2.1-3.3 -63.2%  
Avg P/CF ratio x0.31.9 16.0%  
Avg Price/Bookvalue ratio x0.10.7 10.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182170,027 2.5%   
No. of employees `0001.037.6 2.7%   
Total wages & salary Rs m12,86933,322 38.6%   
Avg. income/employee Rs Th64,852.18,766.7 739.8%   
Avg. wages/employee Rs Th12,604.2886.5 1,421.8%   
Avg. net profit/employee Rs Th1,985.2-1,386.8 -143.2%   
INCOME DATA
Interest income Rs m66,214329,516 20.1%  
Other income Rs m5,00854,621 9.2%   
Interest expense Rs m37,502234,709 16.0%   
Net interest income Rs m28,71294,807 30.3%  
Operating expense Rs m19,90273,508 27.1%   
Gross profit Rs m8,81021,298 41.4%  
Gross profit margin %13.36.5 205.9%  
Provisions/contingencies Rs m11,792142,063 8.3%   
Profit before tax Rs m1,209-66,062 -1.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-13,938 5.9%   
Profit after tax Rs m2,027-52,125 -3.9%  
Net profit margin %3.1-15.8 -19.4%  
BALANCE SHEET DATA
Advances Rs m569,1272,905,715 19.6%   
Deposits Rs m800,0454,102,884 19.5%  
Credit/Deposit ratio x71.170.8 100.4%  
Yield on advances %8.77.9 111.2%   
Cost of deposits %4.55.3 85.8%   
Net Interest Margin %3.42.0 167.8%  
Net fixed assets Rs m16,14938,461 42.0%   
Share capital Rs m55711,686 4.8%   
Free reserves Rs m32,336228,925 14.1%   
Net worth Rs m61,576252,518 24.4%   
Borrowings Rs m16,283456,804 3.6%   
Investments Rs m188,6001,255,107 15.0%   
Total assets Rs m896,8444,911,464 18.3%  
Debt/equity ratio x13.318.1 73.4%   
Return on assets %0.2-1.1 -21.3%  
Return on equity %3.3-20.6 -15.9%  
Capital adequacy ratio %11.411.5 99.3%  
Net NPAs %4.98.4 58.2%  
CASH FLOW
From Operations Rs m23,62760,893 38.8%  
From Investments Rs m-1,639-3,068 53.4%  
From Financial Activity Rs m6,684107,919 6.2%  
Net Cashflow Rs m28,672165,744 17.3%  

Share Holding

Indian Promoters % 53.2 60.1 88.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 16.6 25.9%  
FIIs % 29.3 8.5 344.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 14.8 89.9%  
Shareholders   56,111 235,817 23.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  SYNDICATE BANK  ICICI BANK  

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



Today's Market

From Urjit Patel to Shaktikanta Das; What Lies Ahead?(Podcast)

The week gone by saw Sensex plunge from 700 points to rise by over 600 points. With a volatile and eventful week, it was a challenge keeping up with the news every day.

Related Views on News

UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 109.1% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, UNION BANK has posted a net profit of Rs 1 bn (up 109.1% YoY). Sales on the other hand came in at Rs 85 bn (up 3.8% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

J&K BANK Announces Quarterly Results (2QFY19); Net Profit Up 30.9% (Quarterly Result Update)

Oct 17, 2018 | Updated on Oct 17, 2018

For the quarter ended September 2018, J&K BANK has posted a net profit of Rs 938 m (up 30.9% YoY). Sales on the other hand came in at Rs 18 bn (up 10.4% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

Bandhan Bank IPO: A Microlender Turned Profitable Bank (IPO)

Mar 12, 2018

Is the IPO of one of India's newest private sector bank, Bandhan Bank, worth applying for?

SBI: Pushed in Red on Increased Slippages and Higher Credit Costs (Quarterly Results Update - Detailed)

Feb 21, 2018

SBI posts loss on elevated bad loans and higher provisioning requirements.

IDFC Bank: One-Off Trading Loss, Expansion Pull Down Profits (Quarterly Results Update - Detailed)

Feb 8, 2018

IDFC Bank's profits hit by trading loss and higher investments to build network.

More Views on News

Most Popular

4 Rebound Stocks to Profit from the Current Small Cap Crash(Profit Hunter)

Dec 3, 2018

Indian small cap space is offering a discount season. Make sure you do not get too late to scoop up the bargains.

It's Almost the Perfect Time to Buy This Safe Stock(The 5 Minute Wrapup)

Dec 6, 2018

My latest StockSelect recommendation ticks all the boxes of a great safe stock.

Looking For Higher Interest Rates on Bank FDs? Read This!(Outside View)

Dec 5, 2018

Credit disbursement to the productive sectors of the economy such as infrastructure, engineering, food processing, textiles, and chemicals, among others is rising.

Are Foreign Investors Heading Back to the Indian Stock Markets?(Chart Of The Day)

Dec 3, 2018

After months of heavy FII selling, November witnessed a return on foreign money into Indian equities...

DSP Mutual Fund's Sale of DHFL Bonds: Here's What You Need to Know(Outside View)

Dec 5, 2018

PersonalFN explains the probable reason as to why the capital market regulator has initiated DSP Mutual Fund's bond sale that caused DHFL stock to crash.

More

Small Investments
BIG Returns

Zero To Millions Guide 2019
Get our special report, Zero To Millions
(2019 Edition) Now!
We will never sell or rent your email id.
Please read our Terms

J&K BANK SHARE PRICE


Dec 14, 2018 (Close)

TRACK J&K BANK

  • Track your investment in J&K BANK with Equitymaster's Portfolio Tracker. Set live price alerts, get research alerts and more. Get access now...
  • Add To MyStocks

J&K BANK 8-QTR ANALYSIS

COMPARE J&K BANK WITH

MARKET STATS