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Jammu and Kashmir Bank Ltd logo

Jammu and Kashmir Bank Ltd

NSE: J&KBANK BSE: 532209

125.41

(3.77%)

Thu, 12 Mar 2026, 03:46 am

Jammu and Kashmir Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Jammu and Kashmir Bank has not reported any payouts.
    • Unable to evaluate Jammu and Kashmir Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Jammu and Kashmir Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Jammu and Kashmir Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • Jammu and Kashmir Bank's liabilities are made up of primarily low risk sources of funding.
    • Jammu and Kashmir Bank has an acceptable proportion of non-loan assets held.
    • Loans at Jammu and Kashmir Bank are broadly funded by customer deposits.
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    Cons

    • Jammu and Kashmir Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • The tenure for the Jammu and Kashmir Bank management team is about average.
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    Cons

    • The average tenure for the Jammu and Kashmir Bank board of directors is less than 3 years, this suggests a new board.

    misc

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    Pros

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      Cons

      • Jammu and Kashmir Bank is not covered by any analysts.
      • Jammu and Kashmir Bank's last earnings update was 318 days ago.
      • Jammu and Kashmir Bank has significant price volatility in the past 3 months.

      past

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      Pros

      • Jammu and Kashmir Bank's 1-year earnings growth exceeds its 5-year average (61.6% vs 6.1%)
      • Jammu and Kashmir Bank's year on year earnings growth rate has been positive over the past 5 years.
      • Jammu and Kashmir Bank's earnings growth has exceeded the IN Banks industry average in the past year (61.6% vs 21%).
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      Cons

      • Jammu and Kashmir Bank used its assets less efficiently than the IN Banks industry average last year based on Return on Assets.
      • Jammu and Kashmir Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

      • Jammu and Kashmir Bank is good value based on assets compared to the IN Banks industry average.
      • Jammu and Kashmir Bank is good value based on earnings compared to the IN Banks industry average.
      • Jammu and Kashmir Bank is good value based on earnings compared to the India market.
      • NSEI:J&KBANK is up 16.5% outperforming the Banks industry which returned 7.6% over the past month.
      • NSEI:J&KBANK is up 16.5% outperforming the market in India which returned 8% over the past month.
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      Cons

      • J&KBANK underperformed the Banks industry which returned -37.5% over the past year.
      • J&KBANK underperformed the Market in India which returned -14.5% over the past year.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800