The Jammu and Kashmir Bank Limited provides various banking products and services for household, and small and medium enterprises in India. More Details
Adequate balance sheet and overvalued.
Share Price & News
How has Jammu and Kashmir Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 532209's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 532209 underperformed the Indian Banks industry which returned -26.3% over the past year.
Return vs Market: 532209 underperformed the Indian Market which returned -2.2% over the past year.
Price Volatility Vs. Market
How volatile is Jammu and Kashmir Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Jammu and Kashmir Bank undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate 532209's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate 532209's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: 532209 is unprofitable, so we can't compare its PE Ratio to the IN Banks industry average.
PE vs Market: 532209 is unprofitable, so we can't compare its PE Ratio to the Indian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 532209's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 532209 is good value based on its PB Ratio (0.2x) compared to the IN Banks industry average (0.6x).
How is Jammu and Kashmir Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Jammu and Kashmir Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Jammu and Kashmir Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Jammu and Kashmir Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Jammu and Kashmir Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 532209 is currently unprofitable.
Growing Profit Margin: 532209 is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: 532209 is unprofitable, and losses have increased over the past 5 years at a rate of 16.4% per year.
Accelerating Growth: Unable to compare 532209's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: 532209 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (4.6%).
Return on Equity
High ROE: 532209 has a negative Return on Equity (-18.65%), as it is currently unprofitable.
How is Jammu and Kashmir Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: 532209's Assets to Equity ratio (17.1x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if 532209 has a sufficient allowance for bad loans.
Low Risk Liabilities: 95% of 532209's liabilities are made up of primarily low risk sources of funding.
Loan Level: 532209 has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: 532209's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: 532209 has a high level of bad loans (11.9%).
What is Jammu and Kashmir Bank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 532209's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 532209's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 532209's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 532209's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: 532209 is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 532209's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rajesh Chhibber (60 yo)
Mr. Rajesh Kumar Chhibber serves as Chairman of Jammu & Kashmir Bank Ltd. since October 10, 2019. Mr. Chhibber serves as Managing Director of Jammu & Kashmir Bank Ltd. since June 10, 2019 and served as Exe ...
|Chairman & MD||1.25yrs||₹6.18m||0.0015% |
|President & CFO||1.25yrs||₹2.09m||no data|
|Compliance Officer & Company Secretary||3.83yrs||₹1.67m||no data|
|Executive President||2.42yrs||₹2.63m||no data|
|Executive President||2.42yrs||₹2.59m||no data|
|Executive President||3.83yrs||no data||no data|
|Executive President||2.42yrs||no data||no data|
|President||2.42yrs||no data||no data|
|President||2.42yrs||no data||no data|
|VP & Chief Risk Office||no data||no data||no data|
Experienced Management: 532209's management team is considered experienced (2.4 years average tenure).
|Chairman & MD||1.25yrs||₹6.18m||0.0015% |
|Independent Non-Executive Director||0.75yr||₹480.00k||no data|
|Independent Non-Executive Director||0.58yr||₹200.00k||no data|
|Non-Executive Non Independent Director||0.42yr||no data||no data|
|Promoter & Non-Executive Non-Independent Director||1.58yrs||no data||no data|
|Non-Executive Non-Independent Director||1.58yrs||₹440.00k||no data|
|Non-Executive Non-Independent Director||1.25yrs||₹360.00k||no data|
|Independent Non-Executive Director||0.75yr||₹320.00k||no data|
|Additional Director||no data||no data||no data|
Experienced Board: 532209's board of directors are not considered experienced ( 1 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 28.1%.
The Jammu and Kashmir Bank Limited's company bio, employee growth, exchange listings and data sources
- Name: The Jammu and Kashmir Bank Limited
- Ticker: 532209
- Exchange: BSE
- Founded: 1938
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₹10.081b
- Shares outstanding: 713.45m
- Website: https://www.jkbank.com
- The Jammu and Kashmir Bank Limited
- M. A. Road
- Jammu and Kashmir
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|532209||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Aug 1998|
|J&KBANK||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Aug 1998|
The Jammu and Kashmir Bank Limited provides various banking products and services for household, and small and medium enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/31 12:45|
|End of Day Share Price||2020/10/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.