Jammu and Kashmir Bank Analysis

dividend

Pros

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

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.

Cons

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

management

Pros

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

Cons

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

misc

Pros

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

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%).

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

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.

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.