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- Indian - banking
- J&K BANK - UCO BANK
J&K BANK vs UCO BANK - Comparison Results
Current Valuations
| J&K BANK | UCO BANK | J&K BANK/ UCO BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 22.9 | 22.4% | View Chart |
| P/BV | x | 0.9 | 1.8 | 46.5% | View Chart |
| Dividend Yield | % | 2.3 | 0.7 | 339.7% |
Financials
 J&K BANK  UCO BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
UCO BANK Mar-24 |
J&K BANK/ UCO BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 71 | 215.8% | |
| Low | Rs | 48 | 24 | 199.9% | |
| Income per share (Unadj.) | Rs | 101.8 | 18.3 | 557.1% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 1.4 | 1,150.5% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 5.4 | 949.0% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0.28 | 767.9% | |
| Avg Dividend yield | % | 2.1 | 0.6 | 362.7% | |
| Book value per share (Unadj.) | Rs | 110.7 | 22.8 | 486.4% | |
| Shares outstanding (eoy) | m | 1,101.18 | 11,955.96 | 9.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 2.6 | 38.0% | |
| Avg P/E ratio | x | 6.2 | 33.9 | 18.4% | |
| Avg P/CF ratio | x | 4.8 | 12.3 | 39.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.1 | 43.5% | |
| Dividend payout | % | 13.4 | 20.0 | 66.7% | |
| Avg Mkt Cap | Rs m | 110,597 | 567,191 | 19.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 48,867 | 52.8% | |
| 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 | 218,543 | 51.3% | |
| Other income | Rs m | 8,377 | 32,655 | 25.7% | |
| Interest expense | Rs m | 60,079 | 137,536 | 43.7% | |
| Net interest income | Rs m | 52,053 | 81,008 | 64.3% | |
| Operating expense | Rs m | 37,626 | 67,901 | 55.4% | |
| Gross profit | Rs m | 14,427 | 13,107 | 110.1% | |
| Gross profit margin | % | 12.9 | 6.0 | 214.5% | |
| Provisions/contingencies | Rs m | 5,105 | 29,225 | 17.5% | |
| Profit before tax | Rs m | 23,881 | 25,689 | 93.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 178 | 7.4% | |
| Tax | Rs m | 6,182 | 9,151 | 67.6% | |
| Profit after tax | Rs m | 17,712 | 16,716 | 106.0% | |
| Net profit margin | % | 15.8 | 7.6 | 206.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 1,820,219 | 51.5% | |
| Deposits | Rs m | 1,347,632 | 2,631,298 | 51.2% | |
| Credit/Deposit ratio | x | 69.6 | 69.2 | 100.6% | |
| Yield on advances | % | 9.2 | 7.8 | 118.0% | |
| Cost of deposits | % | 4.2 | 4.5 | 93.8% | |
| Net Interest Margin | % | 4.0 | 2.9 | 137.2% | |
| Net fixed assets | Rs m | 22,083 | 37,166 | 59.4% | |
| Share capital | Rs m | 1,101 | 119,560 | 0.9% | |
| Free reserves | Rs m | 120,826 | 152,578 | 79.2% | |
| Net worth | Rs m | 121,927 | 272,138 | 44.8% | |
| Borrowings | Rs m | 28,850 | 253,314 | 11.4% | |
| Investments | Rs m | 349,002 | 927,614 | 37.6% | |
| Total assets | Rs m | 1,545,046 | 3,235,485 | 47.8% | |
| Debt/equity ratio | x | 11.3 | 10.6 | 106.5% | |
| Return on assets | % | 1.1 | 0.5 | 221.9% | |
| Return on equity | % | 14.5 | 6.1 | 236.5% | |
| Capital adequacy ratio | % | 15.4 | 17.0 | 90.8% | |
| Net NPAs | % | 0.8 | 0.9 | 88.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 10,017 | -85.1% | |
| From Investments | Rs m | -2,573 | -2,949 | 87.2% | |
| From Financial Activity | Rs m | 4,074 | -4,295 | -94.9% | |
| Net Cashflow | Rs m | -7,024 | 2,973 | -236.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 95.4 | 62.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 1.3 | 959.7% | |
| FIIs | % | 6.5 | 0.0 | 32,350.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 4.6 | 880.7% | |
| Shareholders | 278,050 | 773,466 | 35.9% | ||
| 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 UCO 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 UCO Bank Share Price Performance
| Period | J&K Bank | UCO Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.84% | 1.61% |
| 1-Month | 3.84% | -4.27% | -0.07% |
| 1-Year | -14.22% | 11.11% | 18.92% |
| 3-Year CAGR | 34.47% | 46.40% | 11.26% |
| 5-Year CAGR | 23.81% | 17.08% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UCO 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 UCO Bank the stake stands at 95.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of UCO 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%.
UCO Bank paid Rs 0.3, and its dividend payout ratio stood at 20.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of UCO Bank.
For a sector overview, read our banking sector report.
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