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- Indian - banking
- J&K BANK - DCB BANK
J&K BANK vs DCB BANK - Comparison Results
Current Valuations
| J&K BANK | DCB BANK | J&K BANK/ DCB BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 6.4 | 80.0% | View Chart |
| P/BV | x | 0.9 | 0.7 | 118.7% | View Chart |
| Dividend Yield | % | 2.3 | 1.1 | 211.4% |
Financials
 J&K BANK  DCB BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
DCB BANK Mar-24 |
J&K BANK/ DCB BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 163 | 93.3% | |
| Low | Rs | 48 | 100 | 48.5% | |
| Income per share (Unadj.) | Rs | 101.8 | 171.4 | 59.4% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 17.1 | 93.9% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 61.7 | 83.0% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 1.25 | 172.0% | |
| Avg Dividend yield | % | 2.1 | 0.9 | 225.4% | |
| Book value per share (Unadj.) | Rs | 110.7 | 162.0 | 68.3% | |
| Shares outstanding (eoy) | m | 1,101.18 | 312.80 | 352.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.8 | 128.5% | |
| Avg P/E ratio | x | 6.2 | 7.7 | 81.3% | |
| Avg P/CF ratio | x | 4.8 | 4.8 | 101.8% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 111.7% | |
| Dividend payout | % | 13.4 | 7.3 | 183.2% | |
| Avg Mkt Cap | Rs m | 110,597 | 41,165 | 268.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 7,943 | 324.7% | |
| 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 | 112,132 | 53,620 | 209.1% | |
| Other income | Rs m | 8,377 | 4,742 | 176.6% | |
| Interest expense | Rs m | 60,079 | 34,341 | 174.9% | |
| Net interest income | Rs m | 52,053 | 19,279 | 270.0% | |
| Operating expense | Rs m | 37,626 | 15,377 | 244.7% | |
| Gross profit | Rs m | 14,427 | 3,902 | 369.7% | |
| Gross profit margin | % | 12.9 | 7.3 | 176.8% | |
| Provisions/contingencies | Rs m | 5,105 | 3,285 | 155.4% | |
| Profit before tax | Rs m | 23,881 | 7,220 | 330.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 0 | - | |
| Tax | Rs m | 6,182 | 1,860 | 332.4% | |
| Profit after tax | Rs m | 17,712 | 5,360 | 330.5% | |
| Net profit margin | % | 15.8 | 10.0 | 158.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 409,246 | 229.1% | |
| Deposits | Rs m | 1,347,632 | 493,530 | 273.1% | |
| Credit/Deposit ratio | x | 69.6 | 82.9 | 83.9% | |
| Yield on advances | % | 9.2 | 10.4 | 88.7% | |
| Cost of deposits | % | 4.2 | 6.2 | 67.8% | |
| Net Interest Margin | % | 4.0 | 3.4 | 119.9% | |
| Net fixed assets | Rs m | 22,083 | 8,411 | 262.5% | |
| Share capital | Rs m | 1,101 | 3,128 | 35.2% | |
| Free reserves | Rs m | 120,826 | 47,551 | 254.1% | |
| Net worth | Rs m | 121,927 | 50,679 | 240.6% | |
| Borrowings | Rs m | 28,850 | 62,195 | 46.4% | |
| Investments | Rs m | 349,002 | 162,108 | 215.3% | |
| Total assets | Rs m | 1,545,046 | 630,370 | 245.1% | |
| Debt/equity ratio | x | 11.3 | 11.0 | 103.0% | |
| Return on assets | % | 1.1 | 0.9 | 134.8% | |
| Return on equity | % | 14.5 | 10.6 | 137.4% | |
| Capital adequacy ratio | % | 15.4 | 16.6 | 92.9% | |
| Net NPAs | % | 0.8 | 1.1 | 71.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -12,398 | 68.8% | |
| From Investments | Rs m | -2,573 | -1,329 | 193.6% | |
| From Financial Activity | Rs m | 4,074 | 20,702 | 19.7% | |
| Net Cashflow | Rs m | -7,024 | 6,975 | -100.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.8 | 7,615.4% | |
| Foreign collaborators | % | 0.0 | 14.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 37.7 | 34.1% | |
| FIIs | % | 6.5 | 11.1 | 58.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 85.3 | 47.6% | |
| Shareholders | 278,050 | 247,961 | 112.1% | ||
| 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 DCB 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 DCB Bank Share Price Performance
| Period | J&K Bank | DCB Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 2.06% | 1.61% |
| 1-Month | 3.84% | 3.88% | -0.07% |
| 1-Year | -14.22% | 3.65% | 18.92% |
| 3-Year CAGR | 34.47% | 7.63% | 11.26% |
| 5-Year CAGR | 23.81% | -7.96% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the DCB 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 DCB Bank the stake stands at 14.7%.
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 DCB 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%.
DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 7.3%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of DCB Bank.
For a sector overview, read our banking sector report.
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