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Jammu & Kashmir Bank (J&KBANK) had a P/E of 5.7× on 6 Nov 2026, and the shares are 39% below their 52-week high. Net profit grew 26% a year over 3 years, with ROE of 15%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.77× book value. It is a small-cap company with a market cap of ₹13,557 Cr, ranked 28th of 41 Banks (Regional) companies by market cap; the shares rose 18% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹123.98
Day high
₹123.98
Day low
₹121.55
Prev. close
₹124.13
Volume
18.7 L

Health check

2 good · 3 fair · 1 to check
  • ReturnsAhead

    +18.0% over a year, better than 6 of 7 peers.

  • Price tagCheaper

    P/B 0.77 vs peer median 1.78.

  • GrowthSteady

    Profit +26.0% a year over 3 years.

  • ProfitabilityAverage

    ROE 14.5% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 1.25%. Bad-loan data isn’t covered.

  • Red flags1 to check

    39% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹13,557 Cr, #28 of 41 in its industry by size.

Defensive

Beta 0.53 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹6,881 Cr · profit ₹2,362 Cr
Market cap
₹13,557 Cr
Small cap
P/E
5.7
Industry 9.2
Price to book
0.77
Peers 1.78
Dividend yield
0.00%
ROE
14.5%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹21.43
Face value ₹1
OPM (TTM)
41.0%
Net margin 34.3%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+11.8%
Latest quarter vs a year ago
Price to sales
1.97

Strengths and risks

Risks to check

  • 39% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Jammu & Kashmir Bank

Jammu and Kashmir Bank Limited provide various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC,…

Headquarters
Srinagar
Employees
11,934
Sector
Financial Services
ISIN
INE168A01041
Website
jkb.bank.in

Price range

52 weeks

₹97.35₹201.75

Today

₹121.55₹123.98
Avg volume (3M)
26.1 L
1-year return
plus 18.0%
From 52-week high
minus 39.0%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.71%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.80%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.72%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.38%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.66%plus 24.1%
J&KBANKJammu & Kashmir Bank123.11minus 0.82%13,5575.70.7714.5%1.2%26.0%0.00%plus 18.0%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.71%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26Sep 26
–1,5921,7731,7521,7161,822
1,803–1,8241,7842,0492,225
659–807862621718
––27.2%7.3%31.5%23.8%
485–581799429553
4.40–5.287.253.895.02

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+26.0%
EPS CAGR 3Y
+20.5%
ROE
14.5%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
5,4265,9667,0306,874
–+9.9%+17.8%minus 2.2%
4,6096,0086,7417,269
158218168128
1.21.111
1,7862,3882,9392,964
32.9%25.9%29.0%20.1%
1,1811,7712,0822,359
–+50.0%+17.5%+13.3%
12.2516.8418.9121.42

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
103110110110
9,79312,08314,09816,390
2,8922,8852,3833,381
1,33,1241,39,4271,52,8321,69,079
1,45,9131,54,5051,69,4241,88,960
2,2722,2582,1922,533
47.349.565.688.1
34,78034,90041,12240,520
15,70617,92219,18820,770
93,10799,3751,06,8561,25,049
1,45,9131,54,5051,69,4241,88,960

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−407−8532,723−1,126
−124−257−102−302
638407−1,034−500
107−7021,587−1,928
−124−186−102−469
−531−1,0382,621−1,595
–−51.6−237−237

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 11.3% (Yahoo estimate).

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you