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- Indian - banking
- CENTRAL BANK - J&K BANK
CENTRAL BANK vs J&K BANK - Comparison Results
Current Valuations
| CENTRAL BANK | J&K BANK | CENTRAL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.6 | 5.1 | 264.3% | View Chart |
| P/BV | x | 1.4 | 0.9 | 164.1% | View Chart |
| Dividend Yield | % | 0.0 | 2.3 | - |
Financials
 CENTRAL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CENTRAL BANK Mar-24 |
J&K BANK Mar-24 |
CENTRAL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 77 | 152 | 50.4% | |
| Low | Rs | 24 | 48 | 49.4% | |
| Income per share (Unadj.) | Rs | 35.5 | 101.8 | 34.9% | |
| Earnings per share (Unadj.) | Rs | 3.1 | 16.1 | 19.1% | |
| Cash flow per share (Unadj.) | Rs | 11.1 | 51.2 | 21.6% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.15 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 37.3 | 110.7 | 33.7% | |
| Shares outstanding (eoy) | m | 8,680.94 | 1,101.18 | 788.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.4 | 1.0 | 143.8% | |
| Avg P/E ratio | x | 16.4 | 6.2 | 262.6% | |
| Avg P/CF ratio | x | 5.8 | 4.8 | 120.4% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.9 | 149.0% | |
| Dividend payout | % | 0 | 13.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 437,476 | 110,597 | 395.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 63,258 | 25,790 | 245.3% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 308,489 | 112,132 | 275.1% | |
| Other income | Rs m | 47,131 | 8,377 | 562.6% | |
| Interest expense | Rs m | 178,824 | 60,079 | 297.6% | |
| Net interest income | Rs m | 129,666 | 52,053 | 249.1% | |
| Operating expense | Rs m | 102,749 | 37,626 | 273.1% | |
| Gross profit | Rs m | 26,917 | 14,427 | 186.6% | |
| Gross profit margin | % | 8.7 | 12.9 | 67.8% | |
| Provisions/contingencies | Rs m | 48,287 | 5,105 | 945.9% | |
| Profit before tax | Rs m | 40,803 | 23,881 | 170.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -89 | 0 | - | |
| Prior Period Items | Rs m | 1,006 | 13 | 7,647.2% | |
| Tax | Rs m | 15,043 | 6,182 | 243.4% | |
| Profit after tax | Rs m | 26,677 | 17,712 | 150.6% | |
| Net profit margin | % | 8.6 | 15.8 | 54.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,443,993 | 937,566 | 260.7% | |
| Deposits | Rs m | 3,855,408 | 1,347,632 | 286.1% | |
| Credit/Deposit ratio | x | 63.4 | 69.6 | 91.1% | |
| Yield on advances | % | 8.1 | 9.2 | 88.3% | |
| Cost of deposits | % | 4.4 | 4.2 | 104.2% | |
| Net Interest Margin | % | 3.3 | 4.0 | 82.5% | |
| Net fixed assets | Rs m | 53,452 | 22,083 | 242.1% | |
| Share capital | Rs m | 86,809 | 1,101 | 7,882.2% | |
| Free reserves | Rs m | 236,935 | 120,826 | 196.1% | |
| Net worth | Rs m | 323,744 | 121,927 | 265.5% | |
| Borrowings | Rs m | 200,129 | 28,850 | 693.7% | |
| Investments | Rs m | 1,440,100 | 349,002 | 412.6% | |
| Total assets | Rs m | 4,477,716 | 1,545,046 | 289.8% | |
| Debt/equity ratio | x | 12.5 | 11.3 | 111.0% | |
| Return on assets | % | 0.6 | 1.1 | 52.0% | |
| Return on equity | % | 8.2 | 14.5 | 56.7% | |
| Capital adequacy ratio | % | 15.1 | 15.4 | 97.8% | |
| Net NPAs | % | 1.2 | 0.8 | 155.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -59,099 | -8,526 | 693.2% | |
| From Investments | Rs m | -5,842 | -2,573 | 227.1% | |
| From Financial Activity | Rs m | NA | 4,074 | 0.0% | |
| Net Cashflow | Rs m | -64,941 | -7,024 | 924.6% | |
Share Holding
| Indian Promoters | % | 93.1 | 59.4 | 156.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 3.2 | 12.9 | 24.5% | |
| FIIs | % | 0.3 | 6.5 | 5.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 6.9 | 40.6 | 17.0% | |
| Shareholders | 667,435 | 278,050 | 240.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CENTRAL BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Central Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Central Bank vs J&K Bank Share Price Performance
| Period | Central Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.55% | 0.26% | 1.61% |
| 1-Month | -1.30% | 3.84% | -0.07% |
| 1-Year | 18.10% | -14.22% | 18.92% |
| 3-Year CAGR | 37.23% | 34.47% | 11.26% |
| 5-Year CAGR | 18.44% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Central Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Central Bank hold a 93.1% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Central Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Central Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of Central Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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