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- Indian - banking
- J&K BANK - BANK OF INDIA
J&K BANK vs BANK OF INDIA - Comparison Results
Current Valuations
| J&K BANK | BANK OF INDIA | J&K BANK/ BANK OF INDIA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 6.2 | 82.3% | View Chart |
| P/BV | x | 0.9 | 0.7 | 128.5% | View Chart |
| Dividend Yield | % | 2.3 | 2.7 | 83.6% |
Financials
 J&K BANK  BANK OF INDIA |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
BANK OF INDIA Mar-24 |
J&K BANK/ BANK OF INDIA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 156 | 97.5% | |
| Low | Rs | 48 | 69 | 69.8% | |
| Income per share (Unadj.) | Rs | 101.8 | 134.1 | 75.9% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 14.4 | 111.6% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 39.1 | 130.9% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 2.80 | 76.8% | |
| Avg Dividend yield | % | 2.1 | 2.5 | 86.3% | |
| Book value per share (Unadj.) | Rs | 110.7 | 155.0 | 71.4% | |
| Shares outstanding (eoy) | m | 1,101.18 | 4,552.67 | 24.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.8 | 117.2% | |
| Avg P/E ratio | x | 6.2 | 7.8 | 79.8% | |
| Avg P/CF ratio | x | 4.8 | 3.6 | 136.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.7 | 124.6% | |
| Dividend payout | % | 13.4 | 19.4 | 68.8% | |
| Avg Mkt Cap | Rs m | 110,597 | 513,905 | 21.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 92,627 | 27.8% | |
| 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 | 112,132 | 610,733 | 18.4% | |
| Other income | Rs m | 8,377 | 62,331 | 13.4% | |
| Interest expense | Rs m | 60,079 | 377,568 | 15.9% | |
| Net interest income | Rs m | 52,053 | 233,166 | 22.3% | |
| Operating expense | Rs m | 37,626 | 153,062 | 24.6% | |
| Gross profit | Rs m | 14,427 | 80,104 | 18.0% | |
| Gross profit margin | % | 12.9 | 13.1 | 98.1% | |
| Provisions/contingencies | Rs m | 5,105 | 78,590 | 6.5% | |
| Profit before tax | Rs m | 23,881 | 101,931 | 23.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -21 | -0.0% | |
| Prior Period Items | Rs m | 13 | 1,820 | 0.7% | |
| Tax | Rs m | 6,182 | 38,086 | 16.2% | |
| Profit after tax | Rs m | 17,712 | 65,645 | 27.0% | |
| Net profit margin | % | 15.8 | 10.7 | 147.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 5,666,438 | 16.5% | |
| Deposits | Rs m | 1,347,632 | 7,406,114 | 18.2% | |
| Credit/Deposit ratio | x | 69.6 | 76.5 | 90.9% | |
| Yield on advances | % | 9.2 | 7.6 | 120.6% | |
| Cost of deposits | % | 4.2 | 4.2 | 99.6% | |
| Net Interest Margin | % | 4.0 | 2.9 | 139.0% | |
| Net fixed assets | Rs m | 22,083 | 101,775 | 21.7% | |
| Share capital | Rs m | 1,101 | 45,534 | 2.4% | |
| Free reserves | Rs m | 120,826 | 660,278 | 18.3% | |
| Net worth | Rs m | 121,927 | 705,813 | 17.3% | |
| Borrowings | Rs m | 28,850 | 809,603 | 3.6% | |
| Investments | Rs m | 349,002 | 2,345,920 | 14.9% | |
| Total assets | Rs m | 1,545,046 | 9,242,804 | 16.7% | |
| Debt/equity ratio | x | 11.3 | 11.6 | 97.0% | |
| Return on assets | % | 1.1 | 0.7 | 161.4% | |
| Return on equity | % | 14.5 | 9.3 | 156.2% | |
| Capital adequacy ratio | % | 15.4 | 17.0 | 90.9% | |
| Net NPAs | % | 0.8 | 1.2 | 64.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -44,369 | 19.2% | |
| From Investments | Rs m | -2,573 | -9,910 | 26.0% | |
| From Financial Activity | Rs m | 4,074 | 38,677 | 10.5% | |
| Net Cashflow | Rs m | -7,024 | -15,603 | 45.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 73.4 | 80.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 19.5 | 66.1% | |
| FIIs | % | 6.5 | 3.2 | 201.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 26.6 | 152.5% | |
| Shareholders | 278,050 | 692,229 | 40.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Bank of India
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
J&K Bank vs Bank of India Share Price Performance
| Period | J&K Bank | Bank of India | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 1.73% | 1.61% |
| 1-Month | 3.84% | 3.25% | -0.07% |
| 1-Year | -14.22% | -0.84% | 18.92% |
| 3-Year CAGR | 34.47% | 21.90% | 11.26% |
| 5-Year CAGR | 23.81% | 7.16% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Bank of India share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Bank of India the stake stands at 73.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of Bank of India.
Finally, a word on dividends...
In the most recent financial year, J&K Bank paid a dividend of Rs 2.2 per share. This amounted to a Dividend Payout ratio of 13.4%.
Bank of India paid Rs 2.8, and its dividend payout ratio stood at 19.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Bank of India.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Rallies 1,961 points | Nifty Above 23,900 | 4 Reasons Why Indian Share Market is Rising]()
Sensex Today Rallies 1,961 points | Nifty Above 23,900 | 4 Reasons Why Indian Share Market is Rising(Closing)
After opening the day higher, Indian benchmark indices remained positive as the session progressed and ended the day on firm footing.
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