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Compare J&K Bank with United Bank of India - Equitymaster

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J&K BANK vs UNITED BANK OF INDIA - 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 UNITED BANK OF INDIA J&K BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 3.9 -0.2 - View Chart
P/BV x 0.4 0.1 278.8% View Chart
Dividend Yield % 4.2 0.0 -  

Financials

 J&K BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-15
UNITED BANK OF INDIA
Mar-16
J&K BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs11932 375.1%   
Low Rs9517 565.5%   
Income per share (Unadj.) Rs1,456.5118.4 1,230.5%  
Earnings per share (Unadj.) Rs104.9-3.4 -3,122.8%  
Cash flow per share (Unadj.) Rs251.8-15.5 -1,629.2%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.069.6 1,811.5%  
Shares outstanding (eoy) m48.48839.51 5.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.2 35.8%   
Avg P/E ratio x1.0-7.2 -14.1%  
Avg P/CF ratio x0.30.9 37.4%  
Avg Price/Bookvalue ratio x0.10.3 24.3%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18520,358 25.5%   
No. of employees `0001.015.0 6.4%   
Total wages & salary Rs m8,97610,974 81.8%   
Avg. income/employee Rs Th73,553.46,632.8 1,108.9%   
Avg. wages/employee Rs Th9,349.6732.5 1,276.3%   
Avg. net profit/employee Rs Th5,296.7-188.2 -2,814.2%   
INCOME DATA
Interest income Rs m70,61199,367 71.1%  
Other income Rs m5,99014,675 40.8%   
Interest expense Rs m44,08676,561 57.6%   
Net interest income Rs m26,52622,806 116.3%  
Operating expense Rs m14,15919,363 73.1%   
Gross profit Rs m12,3663,443 359.2%  
Gross profit margin %17.53.5 505.5%  
Provisions/contingencies Rs m10,15525,228 40.3%   
Profit before tax Rs m8,202-7,110 -115.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-4,290 -72.7%   
Profit after tax Rs m5,085-2,820 -180.3%  
Net profit margin %7.2-2.8 -253.8%  
BALANCE SHEET DATA
Advances Rs m445,858680,602 65.5%   
Deposits Rs m657,3621,164,013 56.5%  
Credit/Deposit ratio x67.858.5 116.0%  
Yield on advances %11.69.7 118.9%   
Cost of deposits %6.46.2 103.6%   
Net Interest Margin %3.61.9 191.8%  
Net fixed assets Rs m6,89612,109 56.9%   
Share capital Rs m4858,395 5.8%   
Free reserves Rs m39,49917,690 223.3%   
Net worth Rs m61,08558,392 104.6%   
Borrowings Rs m23,39629,125 80.3%   
Investments Rs m251,043447,234 56.1%   
Total assets Rs m760,6451,294,318 58.8%  
Debt/equity ratio x11.120.4 54.5%   
Return on assets %0.7-0.2 -306.9%  
Return on equity %8.3-4.8 -172.4%  
Capital adequacy ratio %12.610.5 120.2%  
Net NPAs %2.89.0 30.6%  
CASH FLOW
From Operations Rs m1,18124,276 4.9%  
From Investments Rs m-2,609-896 291.1%  
From Financial Activity Rs m-3,376-429 787.8%  
Net Cashflow Rs m-4,80522,951 -20.9%  

Share Holding

Indian Promoters % 53.2 88.0 60.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 5.2 82.7%  
FIIs % 29.3 0.3 9,766.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 6.5 204.6%  
Shareholders   56,111 78,272 71.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   YES BANK  DCB BANK  ANDHRA BANK  SBI  PUNJAB & SIND BANK  

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



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May 21, 2018 (Close)

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