J&KBANKThe Jammu & Kashmir Bank Limited

Rs 117.02▲ +3.48%
Market closedEquity EOD 26 Oct
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52-week rangeThe lowest and highest prices the stock traded at over the last year, from each day's intraday low and high. The marker is today's close: 0% means it sits at the year's low, 100% at the high. It describes where the price is, not where it is going.18.8% up the range
Rs 97Rs 202
J&KBANK price
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EOD 26 Oct
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At a glance
Each figure is shown against the company's sector (the track: the dot is this company, the tick is the sector middle) and, where we hold the yearly filings, against its own recent years (the small trend line).
Market capWhat the whole company is worth on the stock market today: share price times the number of shares. It measures size, not quality.
Rs 12,887 cr
Larger than 26% of 19 peers
sector middle Rs 49,783 cr
P/EPrice to earnings: how many rupees investors pay for each rupee of profit the company made over the last twelve months. Compare it with similar companies rather than reading it alone.
4.6x
Lowest of 19 peers
sector middle 12.0x
Price to bookPrice to book: the share price divided by the shareholders' money per share in the latest balance sheet. Around 1 means the market values the company close to its book value.
0.7x
Lower than 95% of 19 peers
sector middle 1.2x
ROEReturn on equity: the year's profit as a percentage of the shareholders' money in the business. It shows how much the company earns on what its owners have put in.
15.9%
Higher than 95% of 19 peers
sector middle 12.1%
Dividend yieldDividends paid over the last year as a percentage of the company's market value: roughly what Rs 100 of shares paid out in cash.
0.0%
Lower than 78% of 18 peers
sector middle 0.6%
Sales growthHow much the latest quarter's sales grew against the same quarter a year earlier.
+121.0%
Highest of 19 peers
sector middle +16.2%

Peers are the listed companies in the exchange's own industry group: Private Sector Bank. Balance-sheet figures are from the latest filed balance sheet; trends show each financial year we hold.

What the numbers say
Short lines written by fixed rules from the company's own filings and shareholding. A line appears only when the figures cross the rule (for example sales growing three years running), and each names the numbers behind it. Nothing here is a view on whether to own the share.

Latest quarterIn the quarter to September 2026, income rose 121.0% from a year earlier to Rs 7,276 cr and profit rose 96.5% to Rs 973 cr.

Nothing in the filings we hold crosses one of our rules yet. Each rule needs a few complete years of results, so recently listed companies often show nothing here.

Each line is written by a fixed rule from the company's own filings and share price, and names the figures it uses. It describes what happened; it is not advice about the share.

How the share moved on results
For each quarterly result we hold: the change from the share's close on the last trading day before the filing to its close on the first trading day after it. Results can land during market hours or after the close, and this window covers both. It shows what happened, not what will happen next time.

Over the last 5 results, the share rose on 2 and fell on 3, and moved by 3% or more on 3.

Q4 FY25Q2 FY26Q1 FY27

Q1 FY27: results filed 29 Jul 2026. The share went from its close on 28 Jul 2026 to its close on 30 Jul 2026 -13.29%.

What Jammu & Kashmir Bank does
A short, human-reviewed summary of the business, written from public sources. Background, not analysis, and not updated intraday.
business summary

Majority owned by the Jammu and Kashmir and Ladakh union territory governments (59.4% as of March 2026), not the central government like other public sector banks, yet RBI still classifies it as a private sector bank. It is the exclusive banker for these UT governments and their employees, with a leading share of banking business in the region.

1
1Sector

Private Banks

2
2What it sells

Retail and corporate banking, deposits and loans, agricultural finance, and treasury and payment services for the J&K and Ladakh union territory governments.

3
3Who buys it

Government employees and the wider public across Jammu & Kashmir and Ladakh, where it holds the leading share of banking business; a much smaller presence in the rest of India.

4
4How it earns

Earns interest income from loans and mandated government banking business, plus treasury operations; profitability is closely tied to economic conditions in J&K and Ladakh, the region where most of its loan book and deposits are concentrated.

Fundamentals
Trailing-twelve-month valuation, margins and growth from the company's own filings.
as of 2026-09-30
P/E (TTM)
4.6
PEG
0.05
EPS (TTM)
Rs 25.3
Net margin
16.0%
Rev growth YoY
+120.96%
Profit growth YoY
+96.52%
TTM revenue
Rs 17,412 Cr
TTM net profit
Rs 2,785 Cr
What it owns, and how that is paid for
Straight from the March balance sheet in the company's annual filing. Both bars are the whole balance sheet: what the company owns, and where the money for it came from.
as at 2026-03-31

At FY26 it held Rs 1.89 lakh Cr of assets. 9% was the owners' own money; customer deposits funded 88%.

What it owns
96%
Cash and bank7,622 Cr
Loans and everything else1.81 lakh Cr
How that is paid for
88%
Shareholders16,500 Cr
Customer deposits1.65 lakh Cr
Borrowings3,431 Cr
Other liabilities3,687 Cr
Cash and equivalents
Rs 6,871 Cr
Book value / share
Rs 159
Return on assets
1.4%

From the March balance sheet in the company's annual filing (2026-03-31). Each bar is the full balance sheet; "everything else" is what the filed total leaves after the named lines.

Where the cash went
Profit is an accounting figure; cash flow is what actually moved. Cash from running the business, plus or minus what was spent on or received from investments, plus or minus what came from or went to lenders and shareholders, equals the change in cash.

In FY26 the business moved Rs -1,707 Cr through operations; for a lender that is mostly loans made and deposits taken, not trading cash.

From running the business
-1,707 Cr
Spent on or received from investing
+302 Cr
From or to lenders and shareholders
-500 Cr
Net change in cash
-1,905 Cr

Full financial year to 2026-03-31, from the company's cash flow statement. This company lends for a living: money lent out is an operating outflow, so these are not coloured as good or bad.

Against its sector
Where this stock sits within its own sector on each measure. The marker is its position in the peer group and the notch is the sector median. A position is a fact about the cohort, not a view on the stock.
Private Sector Bank · 19
P/E4.62vs 12.02 median
Cheapest: J&KBANK 4.62Priciest: RBLBANK 25.22
Net margin15.99%vs 15.9% median
Lowest: BANDHANBNK 6.2%Highest: ICICIBANK 30.33%
Revenue growth120.96%vs 16.21% median
Lowest: INDUSINDBK 1.61%Highest: J&KBANK 120.96%

Median rather than average, so one loss-making or one very expensive peer cannot drag the reference. Valuation is shown without a colour verdict: a higher multiple can mean expensive, or faster growth expected, and only you can decide which.

Peers side by side
Every company in the same NSE industry group that we hold figures for, largest first. Tap any heading to sort by it. The same figures as the At a glance tiles, worked out the same way for every company.
Private Sector Bank · 20 shown
Company
HDFCBANK
HDFC Bank Limited
10.61 L cr13.3x1.8x13.6%22.8%+9.3%1.95%
ICICIBANK
ICICI Bank Limited
10.07 L cr17.2x2.5x15.3%30.3%+16.2%0.78%
AXISBANK
Axis Bank Limited
3.80 L cr12.7x1.6x13.1%21.2%+17.9%0.08%
KOTAKBANK
Kotak Mahindra Bank Limited
87,648 cr20.4x0.5x11.0%29.1%+15.4%0.57%
FEDERALBNK
The Federal Bank Limited
85,160 cr16.8x1.9x12.2%17.1%+16.2%0.35%
IDBI
IDBI Bank Limited
82,245 cr9.9x1.2x12.1%26.8%+19.8%2.74%
INDUSINDBK
IndusInd Bank Limited
65,798 cr22.0x1.0x4.4%6.6%+1.6%0.00%
IDFCFIRSTB
IDFC First Bank Limited
61,860 cr20.8x1.3x6.1%6.8%+20.0%0.48%
RBLBANK
RBL Bank Limited
54,075 cr25.2x1.2x2.8%7.8%+23.2%0.11%
YESBANK
Yes Bank Limited
49,783 cr12.0x0.9x7.9%13.1%+17.1%0.00%
KARURVYSYA
Karur Vysya Bank Limited
32,645 cr11.0x2.1x19.2%24.7%+15.2%0.64%
BANDHANBNK
Bandhan Bank Limited
24,305 cr18.0x0.9x5.3%6.2%+2.8%0.99%
CUB
City Union Bank Limited
20,606 cr11.8x1.9x13.3%19.4%+23.6%-
SOUTHBANK
The South Indian Bank Limited
13,797 cr9.2x1.2x13.3%14.9%+11.2%0.76%
J&KBANK
The Jammu & Kashmir Bank Limited
12,887 cr4.6x0.7x15.9%16.0%+121.0%0.00%
TMB
Tamilnad Mercantile Bank Limited
12,732 cr8.8x1.3x14.3%23.7%+19.9%1.37%
KTKBANK
The Karnataka Bank Limited
11,341 cr7.9x0.9x10.9%15.9%+5.4%1.67%
DCBBANK
DCB Bank Limited
6,197 cr7.9x0.9x12.1%10.4%+9.4%0.69%
CSBBANK
CSB Bank Limited
5,339 cr8.0x1.1x13.6%14.0%+23.7%0.00%
DHANBANK
Dhanlaxmi Bank Limited
1,220 cr10.6x0.8x7.8%6.9%+22.2%0.00%

Swipe the table sideways for more columns. Tap a heading to sort. A dash means the figure is not filed or cannot be worked out for that company. A bigger cohort is cut to its 40 largest companies.

The business
Sales and net profit from the company's own filings, by financial year or by quarter. Hover any bar for that period's complete figures including operating margin and the change against the comparable earlier period. The single TTM figure above is the sum of the last four quarters.
2 years · 7 quarters
Full financial years - the long arc of the business.
Sales growth
-
a year, 3 years
Profit growth
-
a year, 3 years
Operating margin
-
latest year
Sales by financial yearRs 13,151 Cr
Net profit by financial yearRs 2,368 Cr
FY252 full years · hover a yearFY26

Full financial years only, so a part-year is never shown as a whole one. Hover any year for its complete figures.

Dividends paid
Cash paid per share, from the exchange's corporate-action record, restated to today's share count across bonuses and splits. Dates shown are ex-dates: you must own the shares before that date to receive the payment.
Rs 1,837 in 2025
Paid 4 of 10 yrs
what 2025's payouts come to on Rs 1 lakh at today's price · nothing declared in the last twelve months
What each year paid, on Rs 1 lakh
1,495
427
1,837
1,837
16
17
18
19
20
21
22
23
24
25

2025 paid Rs 2.15 per share, about Rs 1,837 on Rs 1 lakh at today's price. It skipped 6 of the last 10 years. Dividends are at the company's discretion and can be cut or skipped.

Technical snapshot
Momentum, trend and delivery-based conviction from the actual price and volume history.
EOD 26 Oct
RSI (14) - momentum
27.2Oversold
0 oversold3070overbought 100
Delivery % - genuine buying vs churn
31.1%Below average - weaker conviction
today 31.1%20d avg 45.7%

The share of traded quantity that was actually delivered (not squared off intraday) - high delivery vs its 20-session average suggests real buying or holding, not just churn.

vs 50-DMA
-18.52%
vs 200-DMA
-13.97%
1-month
-21.59%
3-month
-32.19%
1-year
+9.49%
Realized vol (30d)
57.6%
Insider trading disclosures
Promoter, director and other insider trades in the company's own shares, as disclosed to the exchange under SEBI's insider-trading regulations - usually within a few days of the transaction.
last 18 months

Insider trading data unavailable.

Recent announcements
The company's own filings to the exchange - results, board meetings, investor calls - with a link to the source document.
last 6 months

Announcements unavailable.

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Equity price, fundamentals and realized volatility are end-of-day / quarterly from real market data. The option chain (PCR, max pain, expected move, IV, OI) is live from the exchange during market hours; outside them it shows the last session's close. Shareholding, insider trades and announcements are the company's own exchange filings. Analysis only, not investment advice.