J&K BANK | UNITED BANK OF INDIA | J&K BANK/ UNITED BANK OF INDIA |
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P/E (TTM) | x | 8.9 | 9.3 | 95.6% | View Chart |
P/BV | x | 1.4 | 0.4 | 408.0% | View Chart |
Dividend Yield | % | 0.4 | 0.0 | - |
J&K BANK UNITED BANK OF INDIA |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
UNITED BANK OF INDIA Mar-19 |
J&K BANK/ UNITED BANK OF INDIA |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 15 | 424.0% | |
Low | Rs | 24 | 9 | 263.0% | |
Income per share (Unadj.) | Rs | 90.7 | 11.5 | 787.0% | |
Earnings per share (Unadj.) | Rs | 11.4 | -3.1 | -367.1% | |
Cash flow per share (Unadj.) | Rs | 46.1 | -7.2 | -639.0% | |
Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
Avg Dividend yield | % | 1.2 | 0 | - | |
Book value per share (Unadj.) | Rs | 95.9 | 15.5 | 619.8% | |
Shares outstanding (eoy) | m | 1,031.48 | 7,427.92 | 13.9% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 1.0 | 46.1% | |
Avg P/E ratio | x | 3.8 | -3.8 | -98.9% | |
Avg P/CF ratio | x | 2.4 | 6.3 | 38.6% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.8 | 58.6% | |
Dividend payout | % | 4.4 | 0 | - | |
Avg Mkt Cap | Rs m | 44,637 | 88,578 | 50.4% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 19,545 | 138.6% | |
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 | 85,599 | 109.3% | |
Other income | Rs m | 7,652 | 23,846 | 32.1% | |
Interest expense | Rs m | 46,094 | 65,853 | 70.0% | |
Net interest income | Rs m | 47,458 | 19,746 | 240.3% | |
Operating expense | Rs m | 36,509 | 29,476 | 123.9% | |
Gross profit | Rs m | 10,949 | -9,730 | -112.5% | |
Gross profit margin | % | 11.7 | -11.4 | -103.0% | |
Provisions/contingencies | Rs m | 6,616 | 37,275 | 17.7% | |
Profit before tax | Rs m | 17,856 | -45,809 | -39.0% | |
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 | -22,650 | -25.9% | |
Profit after tax | Rs m | 11,805 | -23,159 | -51.0% | |
Net profit margin | % | 12.6 | -27.1 | -46.6% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 669,551 | 122.9% | |
Deposits | Rs m | 1,220,272 | 1,349,833 | 90.4% | |
Credit/Deposit ratio | x | 67.4 | 49.6 | 135.9% | |
Yield on advances | % | 8.5 | 7.6 | 112.5% | |
Cost of deposits | % | 3.6 | 4.7 | 76.1% | |
Net Interest Margin | % | 4.1 | 1.5 | 262.7% | |
Net fixed assets | Rs m | 22,244 | 12,341 | 180.3% | |
Share capital | Rs m | 1,032 | 74,279 | 1.4% | |
Free reserves | Rs m | 97,932 | 40,710 | 240.6% | |
Net worth | Rs m | 98,963 | 114,989 | 86.1% | |
Borrowings | Rs m | 28,923 | 22,037 | 131.2% | |
Investments | Rs m | 347,804 | 609,760 | 57.0% | |
Total assets | Rs m | 1,459,126 | 1,515,299 | 96.3% | |
Debt/equity ratio | x | 12.6 | 11.9 | 105.8% | |
Return on assets | % | 0.8 | -1.5 | -52.9% | |
Return on equity | % | 11.9 | -20.1 | -59.2% | |
Capital adequacy ratio | % | 15.4 | 13.0 | 118.5% | |
Net NPAs | % | 1.6 | 8.7 | 18.7% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -4,071 | -150,737 | 2.7% | |
From Investments | Rs m | -1,235 | -732 | 168.7% | |
From Financial Activity | Rs m | 6,376 | 45,761 | 13.9% | |
Net Cashflow | Rs m | 1,070 | -105,708 | -1.0% |
Indian Promoters | % | 59.4 | 97.4 | 61.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 1.2 | 1,209.8% | |
FIIs | % | 7.0 | 0.0 | - | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 2.6 | 1,567.6% | |
Shareholders | 215,294 | 101,958 | 211.2% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI 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 | United Bank of India | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.80% | -0.44% | 0.53% |
1-Month | 0.35% | -42.19% | 3.35% |
1-Year | 150.24% | -59.60% | 12.82% |
3-Year CAGR | 78.05% | -43.77% | 14.13% |
5-Year CAGR | 16.53% | -31.10% | 10.21% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the United Bank of India share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of United Bank of India the stake stands at 97.4%.
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 United Bank of India.
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%.
United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of United Bank of India.
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.