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- Indian - banking
- J&K BANK - PUNJAB & SIND BANK
J&K BANK vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| J&K BANK | PUNJAB & SIND BANK | J&K BANK/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 47.2 | 10.9% | View Chart |
| P/BV | x | 0.9 | 2.0 | 41.7% | View Chart |
| Dividend Yield | % | 2.3 | 0.4 | 533.3% |
Financials
 J&K BANK  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
PUNJAB & SIND BANK Mar-24 |
J&K BANK/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 78 | 196.7% | |
| Low | Rs | 48 | 25 | 191.8% | |
| Income per share (Unadj.) | Rs | 101.8 | 14.3 | 712.0% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 0.9 | 1,831.0% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 4.9 | 1,041.8% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0.20 | 1,075.0% | |
| Avg Dividend yield | % | 2.1 | 0.4 | 549.9% | |
| Book value per share (Unadj.) | Rs | 110.7 | 22.9 | 483.1% | |
| Shares outstanding (eoy) | m | 1,101.18 | 6,777.79 | 16.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 3.6 | 27.5% | |
| Avg P/E ratio | x | 6.2 | 58.5 | 10.7% | |
| Avg P/CF ratio | x | 4.8 | 30.8 | 15.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.2 | 40.5% | |
| Dividend payout | % | 13.4 | 22.8 | 58.7% | |
| Avg Mkt Cap | Rs m | 110,597 | 348,209 | 31.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 19,442 | 132.6% | |
| 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 | 96,940 | 115.7% | |
| Other income | Rs m | 8,377 | 12,215 | 68.6% | |
| Interest expense | Rs m | 60,079 | 68,529 | 87.7% | |
| Net interest income | Rs m | 52,053 | 28,410 | 183.2% | |
| Operating expense | Rs m | 37,626 | 29,316 | 128.3% | |
| Gross profit | Rs m | 14,427 | -905 | -1,593.6% | |
| Gross profit margin | % | 12.9 | -0.9 | -1,377.7% | |
| Provisions/contingencies | Rs m | 5,105 | 5,355 | 95.3% | |
| Profit before tax | Rs m | 23,881 | 9,370 | 254.9% | |
| 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 | 3,416 | 181.0% | |
| Profit after tax | Rs m | 17,712 | 5,954 | 297.5% | |
| Net profit margin | % | 15.8 | 6.1 | 257.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 827,364 | 113.3% | |
| Deposits | Rs m | 1,347,632 | 1,194,096 | 112.9% | |
| Credit/Deposit ratio | x | 69.6 | 69.3 | 100.4% | |
| Yield on advances | % | 9.2 | 8.4 | 109.3% | |
| Cost of deposits | % | 4.2 | 5.3 | 79.8% | |
| Net Interest Margin | % | 4.0 | 2.1 | 188.5% | |
| Net fixed assets | Rs m | 22,083 | 17,558 | 125.8% | |
| Share capital | Rs m | 1,101 | 67,778 | 1.6% | |
| Free reserves | Rs m | 120,826 | 87,556 | 138.0% | |
| Net worth | Rs m | 121,927 | 155,334 | 78.5% | |
| Borrowings | Rs m | 28,850 | 97,709 | 29.5% | |
| Investments | Rs m | 349,002 | 495,992 | 70.4% | |
| Total assets | Rs m | 1,545,046 | 1,476,565 | 104.6% | |
| Debt/equity ratio | x | 11.3 | 8.3 | 135.8% | |
| Return on assets | % | 1.1 | 0.4 | 284.3% | |
| Return on equity | % | 14.5 | 3.8 | 379.0% | |
| Capital adequacy ratio | % | 15.4 | 17.2 | 89.9% | |
| Net NPAs | % | 0.8 | 1.6 | 48.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 17,489 | -48.7% | |
| From Investments | Rs m | -2,573 | -2,286 | 112.5% | |
| From Financial Activity | Rs m | 4,074 | -4,340 | -93.9% | |
| Net Cashflow | Rs m | -7,024 | 10,863 | -64.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 98.3 | 60.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 0.7 | 1,978.5% | |
| FIIs | % | 6.5 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 1.8 | 2,320.0% | |
| Shareholders | 278,050 | 199,351 | 139.5% | ||
| 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 Punjab & Sind 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 Punjab & Sind Bank Share Price Performance
| Period | J&K Bank | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 1.27% | 1.61% |
| 1-Month | 3.84% | -4.38% | -0.07% |
| 1-Year | -14.22% | 14.59% | 18.92% |
| 3-Year CAGR | 34.47% | 41.73% | 11.26% |
| 5-Year CAGR | 23.81% | 18.63% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Punjab & Sind 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 Punjab & Sind Bank the stake stands at 98.3%.
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 Punjab & Sind 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%.
Punjab & Sind Bank paid Rs 0.2, and its dividend payout ratio stood at 22.8%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Punjab & Sind Bank.
For a sector overview, read our banking sector report.
Today's Market
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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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