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- Indian - banking
- J&K BANK - ORIENTAL BANK
J&K BANK vs ORIENTAL BANK - Comparison Results
Current Valuations
| J&K BANK | ORIENTAL BANK | J&K BANK/ ORIENTAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 9.2 | 55.6% | View Chart |
| P/BV | x | 0.9 | 0.3 | 272.8% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  ORIENTAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
ORIENTAL BANK Mar-19 |
J&K BANK/ ORIENTAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 116 | 131.0% | |
| Low | Rs | 48 | 58 | 83.3% | |
| Income per share (Unadj.) | Rs | 101.8 | 130.4 | 78.1% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 0.4 | 4,007.6% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | -21.3 | -240.7% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 137.9 | 80.3% | |
| Shares outstanding (eoy) | m | 1,101.18 | 1,370.21 | 80.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.7 | 147.5% | |
| Avg P/E ratio | x | 6.2 | 217.3 | 2.9% | |
| Avg P/CF ratio | x | 4.8 | 3.2 | 152.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.6 | 143.5% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 119,517 | 92.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 23,976 | 107.6% | |
| 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 | 178,677 | 62.8% | |
| Other income | Rs m | 8,377 | 26,691 | 31.4% | |
| Interest expense | Rs m | 60,079 | 123,696 | 48.6% | |
| Net interest income | Rs m | 52,053 | 54,981 | 94.7% | |
| Operating expense | Rs m | 37,626 | 44,134 | 85.3% | |
| Gross profit | Rs m | 14,427 | 10,847 | 133.0% | |
| Gross profit margin | % | 12.9 | 6.1 | 211.9% | |
| Provisions/contingencies | Rs m | 5,105 | 36,988 | 13.8% | |
| Profit before tax | Rs m | 23,881 | -36,308 | -65.8% | |
| 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 | -36,858 | -16.8% | |
| Profit after tax | Rs m | 17,712 | 550 | 3,220.8% | |
| Net profit margin | % | 15.8 | 0.3 | 5,132.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 1,592,848 | 58.9% | |
| Deposits | Rs m | 1,347,632 | 2,326,454 | 57.9% | |
| Credit/Deposit ratio | x | 69.6 | 68.5 | 101.6% | |
| Yield on advances | % | 9.2 | 7.6 | 121.1% | |
| Cost of deposits | % | 4.2 | 5.0 | 85.0% | |
| Net Interest Margin | % | 4.0 | 2.3 | 175.5% | |
| Net fixed assets | Rs m | 22,083 | 25,551 | 86.4% | |
| Share capital | Rs m | 1,101 | 13,702 | 8.0% | |
| Free reserves | Rs m | 120,826 | 175,310 | 68.9% | |
| Net worth | Rs m | 121,927 | 189,012 | 64.5% | |
| Borrowings | Rs m | 28,850 | 141,194 | 20.4% | |
| Investments | Rs m | 349,002 | 792,678 | 44.0% | |
| Total assets | Rs m | 1,545,046 | 2,719,096 | 56.8% | |
| Debt/equity ratio | x | 11.3 | 13.1 | 86.5% | |
| Return on assets | % | 1.1 | 0 | 5,668.2% | |
| Return on equity | % | 14.5 | 0.3 | 4,992.9% | |
| Capital adequacy ratio | % | 15.4 | 12.7 | 121.1% | |
| Net NPAs | % | 0.8 | 5.9 | 13.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -29,515 | 28.9% | |
| From Investments | Rs m | -2,573 | -2,226 | 115.6% | |
| From Financial Activity | Rs m | 4,074 | 59,688 | 6.8% | |
| Net Cashflow | Rs m | -7,024 | 27,947 | -25.1% | |
Share Holding
| Indian Promoters | % | 59.4 | 87.6 | 67.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 7.6 | 169.0% | |
| FIIs | % | 6.5 | 2.1 | 305.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 12.4 | 326.9% | |
| Shareholders | 278,050 | 149,523 | 186.0% | ||
| 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 Oriental 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 Oriental Bank Share Price Performance
| Period | J&K Bank | Oriental Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 3.22% | 1.61% |
| 1-Month | 3.84% | 2.49% | -0.07% |
| 1-Year | -14.22% | -59.75% | 18.92% |
| 3-Year CAGR | 34.47% | -31.34% | 11.26% |
| 5-Year CAGR | 23.81% | -28.00% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Oriental 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 Oriental Bank the stake stands at 87.6%.
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 Oriental 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%.
Oriental 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 Oriental Bank.
For a sector overview, read our banking sector report.
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