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- Indian - banking
- CSB BANK - J&K BANK
CSB BANK vs J&K BANK - Comparison Results
Current Valuations
| CSB BANK | J&K BANK | CSB BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.7 | 5.1 | 188.3% | View Chart |
| P/BV | x | 1.4 | 0.9 | 165.1% | View Chart |
| Dividend Yield | % | 0.0 | 2.3 | - |
Financials
 CSB BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CSB BANK Mar-24 |
J&K BANK Mar-24 |
CSB BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 422 | 152 | 276.8% | |
| Low | Rs | 250 | 48 | 516.3% | |
| Income per share (Unadj.) | Rs | 168.7 | 101.8 | 165.7% | |
| Earnings per share (Unadj.) | Rs | 32.7 | 16.1 | 203.1% | |
| Cash flow per share (Unadj.) | Rs | 105.4 | 51.2 | 205.8% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.15 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 218.2 | 110.7 | 197.1% | |
| Shares outstanding (eoy) | m | 173.49 | 1,101.18 | 15.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.0 | 1.0 | 201.9% | |
| Avg P/E ratio | x | 10.3 | 6.2 | 164.7% | |
| Avg P/CF ratio | x | 7.5 | 4.8 | 154.2% | |
| Avg Price/Bookvalue ratio | x | 1.5 | 0.9 | 169.7% | |
| Dividend payout | % | 0 | 13.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 58,287 | 110,597 | 52.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 7,147 | 25,790 | 27.7% | |
| 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 | 29,275 | 112,132 | 26.1% | |
| Other income | Rs m | 5,843 | 8,377 | 69.8% | |
| Interest expense | Rs m | 14,511 | 60,079 | 24.2% | |
| Net interest income | Rs m | 14,764 | 52,053 | 28.4% | |
| Operating expense | Rs m | 12,808 | 37,626 | 34.0% | |
| Gross profit | Rs m | 1,956 | 14,427 | 13.6% | |
| Gross profit margin | % | 6.7 | 12.9 | 51.9% | |
| Provisions/contingencies | Rs m | 2,131 | 5,105 | 41.7% | |
| Profit before tax | Rs m | 7,614 | 23,881 | 31.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 1,946 | 6,182 | 31.5% | |
| Profit after tax | Rs m | 5,668 | 17,712 | 32.0% | |
| Net profit margin | % | 19.4 | 15.8 | 122.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 243,356 | 937,566 | 26.0% | |
| Deposits | Rs m | 297,188 | 1,347,632 | 22.1% | |
| Credit/Deposit ratio | x | 81.9 | 69.6 | 117.7% | |
| Yield on advances | % | 10.1 | 9.2 | 110.1% | |
| Cost of deposits | % | 4.5 | 4.2 | 107.6% | |
| Net Interest Margin | % | 4.6 | 4.0 | 114.4% | |
| Net fixed assets | Rs m | 4,059 | 22,083 | 18.4% | |
| Share capital | Rs m | 1,735 | 1,101 | 157.6% | |
| Free reserves | Rs m | 36,128 | 120,826 | 29.9% | |
| Net worth | Rs m | 37,864 | 121,927 | 31.1% | |
| Borrowings | Rs m | 17,574 | 28,850 | 60.9% | |
| Investments | Rs m | 75,514 | 349,002 | 21.6% | |
| Total assets | Rs m | 360,560 | 1,545,046 | 23.3% | |
| Debt/equity ratio | x | 8.3 | 11.3 | 73.6% | |
| Return on assets | % | 1.6 | 1.1 | 137.1% | |
| Return on equity | % | 15.0 | 14.5 | 103.1% | |
| Capital adequacy ratio | % | 24.5 | 15.4 | 158.7% | |
| Net NPAs | % | 0.5 | 0.8 | 64.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,830 | -8,526 | -209.1% | |
| From Investments | Rs m | -14,392 | -2,573 | 559.4% | |
| From Financial Activity | Rs m | 9,744 | 4,074 | 239.2% | |
| Net Cashflow | Rs m | 13,182 | -7,024 | -187.7% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 40.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 30.3 | 12.9 | 235.5% | |
| FIIs | % | 12.7 | 6.5 | 196.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 60.0 | 40.6 | 147.8% | |
| Shareholders | 76,579 | 278,050 | 27.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CSB BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on CSB 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:
CSB BANK vs J&K Bank Share Price Performance
| Period | CSB BANK | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.77% | 0.26% | 1.61% |
| 1-Month | 1.92% | 3.84% | -0.07% |
| 1-Year | -16.82% | -14.22% | 18.92% |
| 3-Year CAGR | 2.94% | 34.47% | 11.26% |
| 5-Year CAGR | 0.53% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the CSB BANK share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of CSB BANK hold a 40.0% 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 CSB BANK and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, CSB 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 CSB BANK, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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