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Compare Punjab & Sind Bank with J&K Bank - Equitymaster

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PUNJAB & SIND BANK vs J&K 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

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Current Valuations

    PUNJAB & SIND BANK J&K BANK PUNJAB & SIND BANK/
J&K BANK
 
P/E (TTM) x -1.8 4.0 - View Chart
P/BV x 0.2 0.3 60.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   J&K BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
J&K BANK
Mar-18
PUNJAB & SIND BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs4096 42.1%   
Low Rs2455 44.0%   
Income per share (Unadj.) Rs151.51,189.2 12.7%  
Earnings per share (Unadj.) Rs-9.636.4 -26.4%  
Cash flow per share (Unadj.) Rs-30.4167.4 -18.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs97.91,105.9 8.9%  
Shares outstanding (eoy) m564.9155.68 1,014.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.1 336.0%   
Avg P/E ratio x-3.32.1 -162.0%  
Avg P/CF ratio x0.90.3 296.0%  
Avg Price/Bookvalue ratio x0.30.1 483.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,1624,182 434.3%   
No. of employees `0008.91.0 876.4%   
Total wages & salary Rs m11,75812,869 91.4%   
Avg. income/employee Rs Th9,564.964,852.1 14.7%   
Avg. wages/employee Rs Th1,314.012,604.2 10.4%   
Avg. net profit/employee Rs Th-607.41,985.2 -30.6%   
INCOME DATA
Interest income Rs m85,58766,214 129.3%  
Other income Rs m4,8865,008 97.6%   
Interest expense Rs m62,79037,502 167.4%   
Net interest income Rs m22,79728,712 79.4%  
Operating expense Rs m17,11119,902 86.0%   
Gross profit Rs m5,6868,810 64.5%  
Gross profit margin %6.613.3 49.9%  
Provisions/contingencies Rs m25,70911,792 218.0%   
Profit before tax Rs m-8,5881,209 -710.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-3,153-818 385.6%   
Profit after tax Rs m-5,4352,027 -268.1%  
Net profit margin %-6.33.1 -207.4%  
BALANCE SHEET DATA
Advances Rs m691,755569,127 121.5%   
Deposits Rs m985,576800,045 123.2%  
Credit/Deposit ratio x70.271.1 98.7%  
Yield on advances %8.78.7 99.7%   
Cost of deposits %6.14.5 134.6%   
Net Interest Margin %2.23.4 65.4%  
Net fixed assets Rs m12,30416,149 76.2%   
Share capital Rs m5,649557 1,014.2%   
Free reserves Rs m25,97632,336 80.3%   
Net worth Rs m55,31861,576 89.8%   
Borrowings Rs m27,14016,283 166.7%   
Investments Rs m261,729188,600 138.8%   
Total assets Rs m1,089,821896,844 121.5%  
Debt/equity ratio x18.313.3 138.1%   
Return on assets %-0.50.2 -220.7%  
Return on equity %-9.83.3 -298.5%  
Capital adequacy ratio %10.911.4 95.7%  
Net NPAs %7.24.9 147.3%  
CASH FLOW
From Operations Rs m-97323,627 -4.1%  
From Investments Rs m-611-1,639 37.3%  
From Financial Activity Rs m-3,5616,684 -53.3%  
Net Cashflow Rs m-5,14528,672 -17.9%  

Share Holding

Indian Promoters % 79.6 53.2 149.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 4.3 251.2%  
FIIs % 1.8 29.3 6.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 13.3 58.6%  
Shareholders   150,895 56,111 268.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   KOTAK MAHINDRA BANK  BANDHAN BANK LTD  CANARA BANK  HDFC BANK  IDFC FIRST BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



Today's Market

Jalan Committee Recommendations; US-China Trade Worries; Key Q1FY20 Results and Top Stocks in Action(Pre-Open)

On Thursday, the Indian share markets fell sharply in late trade as US-China trade worries dragged global peers.

Related Views on News

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

J&K BANK Announces Quarterly Results (3QFY19); Net Profit Up 43.2% (Quarterly Result Update)

Jan 14, 2019 | Updated on Jan 14, 2019

For the quarter ended December 2018, J&K BANK has posted a net profit of Rs 1 bn (up 43.2% YoY). Sales on the other hand came in at Rs 20 bn (up 19.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (2QFY19); Net Profit Down 897.3% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, PUNJAB & SIND BANK has posted a net profit of Rs 1 bn (down 897.3% YoY). Sales on the other hand came in at Rs 22 bn (up 10.1% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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