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- Indian - banking
- J&K BANK - UTKARSH SMALL FINANCE BANK
J&K BANK vs UTKARSH SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | UTKARSH SMALL FINANCE BANK | J&K BANK/ UTKARSH SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.4 | 12.7 | 73.9% | View Chart |
| P/BV | x | 1.5 | 3.2 | 47.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  UTKARSH SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
UTKARSH SMALL FINANCE BANK Mar-23 |
J&K BANK/ UTKARSH SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | NA | - | |
| Low | Rs | 24 | NA | - | |
| Income per share (Unadj.) | Rs | 90.7 | 28.0 | 324.4% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 4.5 | 253.5% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 12.2 | 378.3% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 22.1 | 433.6% | |
| Shares outstanding (eoy) | m | 1,031.48 | 895.90 | 115.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0 | - | |
| Avg P/E ratio | x | 3.8 | 0 | - | |
| Avg P/CF ratio | x | 2.4 | 0 | - | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0 | - | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 0 | - | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 5,701 | 475.1% | |
| 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 | 25,050 | 373.5% | |
| Other income | Rs m | 7,652 | 2,993 | 255.7% | |
| Interest expense | Rs m | 46,094 | 9,759 | 472.3% | |
| Net interest income | Rs m | 47,458 | 15,290 | 310.4% | |
| Operating expense | Rs m | 36,509 | 9,900 | 368.8% | |
| Gross profit | Rs m | 10,949 | 5,390 | 203.1% | |
| Gross profit margin | % | 11.7 | 21.5 | 54.4% | |
| Provisions/contingencies | Rs m | 6,616 | 4,338 | 152.5% | |
| Profit before tax | Rs m | 17,856 | 5,358 | 333.2% | |
| 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 | 1,313 | 447.0% | |
| Profit after tax | Rs m | 11,805 | 4,045 | 291.8% | |
| Net profit margin | % | 12.6 | 16.1 | 78.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 130,688 | 629.6% | |
| Deposits | Rs m | 1,220,272 | 137,101 | 890.1% | |
| Credit/Deposit ratio | x | 67.4 | 95.3 | 70.7% | |
| Yield on advances | % | 8.5 | 17.4 | 48.8% | |
| Cost of deposits | % | 3.6 | 5.7 | 62.3% | |
| Net Interest Margin | % | 4.1 | 9.6 | 42.2% | |
| Net fixed assets | Rs m | 22,244 | 3,015 | 737.8% | |
| Share capital | Rs m | 1,032 | 8,959 | 11.5% | |
| Free reserves | Rs m | 97,932 | 10,864 | 901.5% | |
| Net worth | Rs m | 98,963 | 19,823 | 499.2% | |
| Borrowings | Rs m | 28,923 | 23,495 | 123.1% | |
| Investments | Rs m | 347,804 | 28,594 | 1,216.3% | |
| Total assets | Rs m | 1,459,126 | 191,175 | 763.2% | |
| Debt/equity ratio | x | 12.6 | 8.1 | 155.8% | |
| Return on assets | % | 0.8 | 2.1 | 38.2% | |
| Return on equity | % | 11.9 | 20.4 | 58.5% | |
| Capital adequacy ratio | % | 15.4 | 20.6 | 74.7% | |
| Net NPAs | % | 1.6 | 0.4 | 415.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 15,590 | -26.1% | |
| From Investments | Rs m | -1,235 | -6,932 | 17.8% | |
| From Financial Activity | Rs m | 6,376 | -2,211 | -288.3% | |
| Net Cashflow | Rs m | 1,070 | 6,447 | 16.6% | |
Share Holding
| Indian Promoters | % | 59.4 | 69.1 | 86.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 10.7 | 139.2% | |
| FIIs | % | 7.0 | 0.9 | 803.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 30.9 | 131.2% | |
| Shareholders | 215,294 | 222,044 | 97.0% | ||
| 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 UTKARSH SMALL FINANCE 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 UTKARSH SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | UTKARSH SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -2.12% | -0.15% |
| 1-Month | 0.07% | 16.06% | 3.90% |
| 1-Year | 135.87% | 19.40% | 14.18% |
| 3-Year CAGR | 79.00% | 6.09% | 14.50% |
| 5-Year CAGR | 17.48% | 3.61% | 10.94% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UTKARSH SMALL FINANCE 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 UTKARSH SMALL FINANCE BANK the stake stands at 69.1%.
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 UTKARSH SMALL FINANCE 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%.
UTKARSH SMALL FINANCE BANK 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 UTKARSH SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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