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- Indian - banking
- ORIENTAL BANK - J&K BANK
ORIENTAL BANK vs J&K BANK - Comparison Results
Current Valuations
| ORIENTAL BANK | J&K BANK | ORIENTAL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.2 | 5.1 | 179.9% | View Chart |
| P/BV | x | 0.3 | 0.9 | 36.7% | View Chart |
| Dividend Yield | % | 0.0 | 2.3 | - |
Financials
 ORIENTAL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ORIENTAL BANK Mar-19 |
J&K BANK Mar-24 |
ORIENTAL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 116 | 152 | 76.3% | |
| Low | Rs | 58 | 48 | 120.0% | |
| Income per share (Unadj.) | Rs | 130.4 | 101.8 | 128.1% | |
| Earnings per share (Unadj.) | Rs | 0.4 | 16.1 | 2.5% | |
| Cash flow per share (Unadj.) | Rs | -21.3 | 51.2 | -41.5% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.15 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 137.9 | 110.7 | 124.6% | |
| Shares outstanding (eoy) | m | 1,370.21 | 1,101.18 | 124.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.7 | 1.0 | 67.8% | |
| Avg P/E ratio | x | 217.3 | 6.2 | 3,480.5% | |
| Avg P/CF ratio | x | 3.2 | 4.8 | 65.7% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 0.9 | 69.7% | |
| Dividend payout | % | 0 | 13.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 119,517 | 110,597 | 108.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 23,976 | 25,790 | 93.0% | |
| 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 | 178,677 | 112,132 | 159.3% | |
| Other income | Rs m | 26,691 | 8,377 | 318.6% | |
| Interest expense | Rs m | 123,696 | 60,079 | 205.9% | |
| Net interest income | Rs m | 54,981 | 52,053 | 105.6% | |
| Operating expense | Rs m | 44,134 | 37,626 | 117.3% | |
| Gross profit | Rs m | 10,847 | 14,427 | 75.2% | |
| Gross profit margin | % | 6.1 | 12.9 | 47.2% | |
| Provisions/contingencies | Rs m | 36,988 | 5,105 | 724.6% | |
| Profit before tax | Rs m | -36,308 | 23,881 | -152.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | -36,858 | 6,182 | -596.2% | |
| Profit after tax | Rs m | 550 | 17,712 | 3.1% | |
| Net profit margin | % | 0.3 | 15.8 | 1.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,592,848 | 937,566 | 169.9% | |
| Deposits | Rs m | 2,326,454 | 1,347,632 | 172.6% | |
| Credit/Deposit ratio | x | 68.5 | 69.6 | 98.4% | |
| Yield on advances | % | 7.6 | 9.2 | 82.6% | |
| Cost of deposits | % | 5.0 | 4.2 | 117.7% | |
| Net Interest Margin | % | 2.3 | 4.0 | 57.0% | |
| Net fixed assets | Rs m | 25,551 | 22,083 | 115.7% | |
| Share capital | Rs m | 13,702 | 1,101 | 1,244.1% | |
| Free reserves | Rs m | 175,310 | 120,826 | 145.1% | |
| Net worth | Rs m | 189,012 | 121,927 | 155.0% | |
| Borrowings | Rs m | 141,194 | 28,850 | 489.4% | |
| Investments | Rs m | 792,678 | 349,002 | 227.1% | |
| Total assets | Rs m | 2,719,096 | 1,545,046 | 176.0% | |
| Debt/equity ratio | x | 13.1 | 11.3 | 115.6% | |
| Return on assets | % | 0 | 1.1 | 1.8% | |
| Return on equity | % | 0.3 | 14.5 | 2.0% | |
| Capital adequacy ratio | % | 12.7 | 15.4 | 82.6% | |
| Net NPAs | % | 5.9 | 0.8 | 750.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -29,515 | -8,526 | 346.2% | |
| From Investments | Rs m | -2,226 | -2,573 | 86.5% | |
| From Financial Activity | Rs m | 59,688 | 4,074 | 1,465.0% | |
| Net Cashflow | Rs m | 27,947 | -7,024 | -397.9% | |
Share Holding
| Indian Promoters | % | 87.6 | 59.4 | 147.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 7.6 | 12.9 | 59.2% | |
| FIIs | % | 2.1 | 6.5 | 32.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 12.4 | 40.6 | 30.6% | |
| Shareholders | 149,523 | 278,050 | 53.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ORIENTAL BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Oriental Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Oriental Bank vs J&K Bank Share Price Performance
| Period | Oriental Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 3.22% | 0.26% | 1.61% |
| 1-Month | 2.49% | 3.84% | -0.07% |
| 1-Year | -59.75% | -14.22% | 18.92% |
| 3-Year CAGR | -31.34% | 34.47% | 11.26% |
| 5-Year CAGR | -28.00% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Oriental Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Oriental Bank hold a 87.6% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Oriental Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Oriental Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of Oriental Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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