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- Indian - banking
- J&K BANK - CENTRAL BANK
J&K BANK vs CENTRAL BANK - Comparison Results
Current Valuations
| J&K BANK | CENTRAL BANK | J&K BANK/ CENTRAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 13.6 | 37.8% | View Chart |
| P/BV | x | 0.9 | 1.4 | 61.0% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  CENTRAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
CENTRAL BANK Mar-24 |
J&K BANK/ CENTRAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 77 | 198.4% | |
| Low | Rs | 48 | 24 | 202.3% | |
| Income per share (Unadj.) | Rs | 101.8 | 35.5 | 286.5% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 3.1 | 523.4% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 11.1 | 462.4% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 37.3 | 296.9% | |
| Shares outstanding (eoy) | m | 1,101.18 | 8,680.94 | 12.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.4 | 69.6% | |
| Avg P/E ratio | x | 6.2 | 16.4 | 38.1% | |
| Avg P/CF ratio | x | 4.8 | 5.8 | 83.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 67.1% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 437,476 | 25.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 63,258 | 40.8% | |
| 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 | 308,489 | 36.3% | |
| Other income | Rs m | 8,377 | 47,131 | 17.8% | |
| Interest expense | Rs m | 60,079 | 178,824 | 33.6% | |
| Net interest income | Rs m | 52,053 | 129,666 | 40.1% | |
| Operating expense | Rs m | 37,626 | 102,749 | 36.6% | |
| Gross profit | Rs m | 14,427 | 26,917 | 53.6% | |
| Gross profit margin | % | 12.9 | 8.7 | 147.5% | |
| Provisions/contingencies | Rs m | 5,105 | 48,287 | 10.6% | |
| Profit before tax | Rs m | 23,881 | 40,803 | 58.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -89 | -0.0% | |
| Prior Period Items | Rs m | 13 | 1,006 | 1.3% | |
| Tax | Rs m | 6,182 | 15,043 | 41.1% | |
| Profit after tax | Rs m | 17,712 | 26,677 | 66.4% | |
| Net profit margin | % | 15.8 | 8.6 | 182.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 2,443,993 | 38.4% | |
| Deposits | Rs m | 1,347,632 | 3,855,408 | 35.0% | |
| Credit/Deposit ratio | x | 69.6 | 63.4 | 109.7% | |
| Yield on advances | % | 9.2 | 8.1 | 113.2% | |
| Cost of deposits | % | 4.2 | 4.4 | 96.0% | |
| Net Interest Margin | % | 4.0 | 3.3 | 121.2% | |
| Net fixed assets | Rs m | 22,083 | 53,452 | 41.3% | |
| Share capital | Rs m | 1,101 | 86,809 | 1.3% | |
| Free reserves | Rs m | 120,826 | 236,935 | 51.0% | |
| Net worth | Rs m | 121,927 | 323,744 | 37.7% | |
| Borrowings | Rs m | 28,850 | 200,129 | 14.4% | |
| Investments | Rs m | 349,002 | 1,440,100 | 24.2% | |
| Total assets | Rs m | 1,545,046 | 4,477,716 | 34.5% | |
| Debt/equity ratio | x | 11.3 | 12.5 | 90.1% | |
| Return on assets | % | 1.1 | 0.6 | 192.4% | |
| Return on equity | % | 14.5 | 8.2 | 176.3% | |
| Capital adequacy ratio | % | 15.4 | 15.1 | 102.3% | |
| Net NPAs | % | 0.8 | 1.2 | 64.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -59,099 | 14.4% | |
| From Investments | Rs m | -2,573 | -5,842 | 44.0% | |
| From Financial Activity | Rs m | 4,074 | NA | - | |
| Net Cashflow | Rs m | -7,024 | -64,941 | 10.8% | |
Share Holding
| Indian Promoters | % | 59.4 | 93.1 | 63.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 3.2 | 408.3% | |
| FIIs | % | 6.5 | 0.3 | 1,960.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 6.9 | 586.7% | |
| Shareholders | 278,050 | 667,435 | 41.7% | ||
| 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 Central Bank
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 Central Bank Share Price Performance
| Period | J&K Bank | Central Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 1.55% | 1.61% |
| 1-Month | 3.84% | -1.30% | -0.07% |
| 1-Year | -14.22% | 18.10% | 18.92% |
| 3-Year CAGR | 34.47% | 37.23% | 11.26% |
| 5-Year CAGR | 23.81% | 18.44% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Central Bank share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Central Bank the stake stands at 93.1%.
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 Central Bank.
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%.
Central Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Central Bank.
For a sector overview, read our banking sector report.
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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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