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- Indian - banking
- J&K BANK - SOUTH IND.BANK
J&K BANK vs SOUTH IND.BANK - Comparison Results
Current Valuations
| J&K BANK | SOUTH IND.BANK | J&K BANK/ SOUTH IND.BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 4.9 | 105.9% | View Chart |
| P/BV | x | 0.9 | 0.7 | 128.4% | View Chart |
| Dividend Yield | % | 2.3 | 1.3 | 170.0% |
Financials
 J&K BANK  SOUTH IND.BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
SOUTH IND.BANK Mar-24 |
J&K BANK/ SOUTH IND.BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 40 | 379.6% | |
| Low | Rs | 48 | 15 | 329.4% | |
| Income per share (Unadj.) | Rs | 101.8 | 32.9 | 309.3% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 4.1 | 393.2% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 14.2 | 361.2% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0.30 | 716.7% | |
| Avg Dividend yield | % | 2.1 | 1.1 | 195.7% | |
| Book value per share (Unadj.) | Rs | 110.7 | 33.7 | 328.3% | |
| Shares outstanding (eoy) | m | 1,101.18 | 2,615.93 | 42.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.8 | 118.4% | |
| Avg P/E ratio | x | 6.2 | 6.7 | 93.1% | |
| Avg P/CF ratio | x | 4.8 | 3.8 | 126.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 111.5% | |
| Dividend payout | % | 13.4 | 7.3 | 182.3% | |
| Avg Mkt Cap | Rs m | 110,597 | 71,755 | 154.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 17,053 | 151.2% | |
| 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 | 86,128 | 130.2% | |
| Other income | Rs m | 8,377 | 15,145 | 55.3% | |
| Interest expense | Rs m | 60,079 | 52,808 | 113.8% | |
| Net interest income | Rs m | 52,053 | 33,321 | 156.2% | |
| Operating expense | Rs m | 37,626 | 29,788 | 126.3% | |
| Gross profit | Rs m | 14,427 | 3,533 | 408.4% | |
| Gross profit margin | % | 12.9 | 4.1 | 313.7% | |
| Provisions/contingencies | Rs m | 5,105 | 7,976 | 64.0% | |
| Profit before tax | Rs m | 23,881 | 15,289 | 156.2% | |
| 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 | 4,587 | 134.8% | |
| Profit after tax | Rs m | 17,712 | 10,702 | 165.5% | |
| Net profit margin | % | 15.8 | 12.4 | 127.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 780,606 | 120.1% | |
| Deposits | Rs m | 1,347,632 | 1,019,191 | 132.2% | |
| Credit/Deposit ratio | x | 69.6 | 76.6 | 90.8% | |
| Yield on advances | % | 9.2 | 8.8 | 104.0% | |
| Cost of deposits | % | 4.2 | 4.8 | 87.5% | |
| Net Interest Margin | % | 4.0 | 3.3 | 123.9% | |
| Net fixed assets | Rs m | 22,083 | 8,211 | 269.0% | |
| Share capital | Rs m | 1,101 | 2,616 | 42.1% | |
| Free reserves | Rs m | 120,826 | 85,621 | 141.1% | |
| Net worth | Rs m | 121,927 | 88,237 | 138.2% | |
| Borrowings | Rs m | 28,850 | 39,121 | 73.7% | |
| Investments | Rs m | 349,002 | 239,765 | 145.6% | |
| Total assets | Rs m | 1,545,046 | 1,174,125 | 131.6% | |
| Debt/equity ratio | x | 11.3 | 12.0 | 94.1% | |
| Return on assets | % | 1.1 | 0.9 | 125.8% | |
| Return on equity | % | 14.5 | 12.1 | 119.8% | |
| Capital adequacy ratio | % | 15.4 | 19.9 | 77.4% | |
| Net NPAs | % | 0.8 | 1.5 | 54.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 70,752 | -12.0% | |
| From Investments | Rs m | -2,573 | -19,859 | 13.0% | |
| From Financial Activity | Rs m | 4,074 | -21,476 | -19.0% | |
| Net Cashflow | Rs m | -7,024 | 29,417 | -23.9% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 16.7 | 76.9% | |
| FIIs | % | 6.5 | 11.5 | 56.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 278,050 | 1,247,471 | 22.3% | ||
| 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 South Ind.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 South Ind.Bank Share Price Performance
| Period | J&K Bank | South Ind.Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.09% | 1.61% |
| 1-Month | 3.84% | -5.39% | -0.07% |
| 1-Year | -14.22% | -8.62% | 18.92% |
| 3-Year CAGR | 34.47% | 36.30% | 11.26% |
| 5-Year CAGR | 23.81% | 15.26% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the South Ind.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 South Ind.Bank the stake stands at 0.0%.
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 South Ind.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%.
South Ind.Bank paid Rs 0.3, 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 South Ind.Bank.
For a sector overview, read our banking sector report.
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