J&K BANK | UNITED BANK OF INDIA | J&K BANK/ UNITED BANK OF INDIA |
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P/E (TTM) | x | 5.1 | 9.3 | 55.3% | View Chart |
P/BV | x | 0.9 | 0.4 | 242.1% | View Chart |
Dividend Yield | % | 2.3 | 0.0 | - |
J&K BANK UNITED BANK OF INDIA |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-24 |
UNITED BANK OF INDIA Mar-19 |
J&K BANK/ UNITED BANK OF INDIA |
5-Yr Chart Click to enlarge
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High | Rs | 152 | 15 | 1,030.1% | |
Low | Rs | 48 | 9 | 535.0% | |
Income per share (Unadj.) | Rs | 101.8 | 11.5 | 883.6% | |
Earnings per share (Unadj.) | Rs | 16.1 | -3.1 | -515.9% | |
Cash flow per share (Unadj.) | Rs | 51.2 | -7.2 | -709.9% | |
Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
Avg Dividend yield | % | 2.1 | 0 | - | |
Book value per share (Unadj.) | Rs | 110.7 | 15.5 | 715.2% | |
Shares outstanding (eoy) | m | 1,101.18 | 7,427.92 | 14.8% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 1.0 | 1.0 | 95.3% | |
Avg P/E ratio | x | 6.2 | -3.8 | -163.3% | |
Avg P/CF ratio | x | 4.8 | 6.3 | 77.2% | |
Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 117.8% | |
Dividend payout | % | 13.4 | 0 | - | |
Avg Mkt Cap | Rs m | 110,597 | 88,578 | 124.9% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 25,790 | 19,545 | 132.0% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 112,132 | 85,599 | 131.0% | |
Other income | Rs m | 8,377 | 23,846 | 35.1% | |
Interest expense | Rs m | 60,079 | 65,853 | 91.2% | |
Net interest income | Rs m | 52,053 | 19,746 | 263.6% | |
Operating expense | Rs m | 37,626 | 29,476 | 127.6% | |
Gross profit | Rs m | 14,427 | -9,730 | -148.3% | |
Gross profit margin | % | 12.9 | -11.4 | -113.2% | |
Provisions/contingencies | Rs m | 5,105 | 37,275 | 13.7% | |
Profit before tax | Rs m | 23,881 | -45,809 | -52.1% | |
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 | -22,650 | -27.3% | |
Profit after tax | Rs m | 17,712 | -23,159 | -76.5% | |
Net profit margin | % | 15.8 | -27.1 | -58.4% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 937,566 | 669,551 | 140.0% | |
Deposits | Rs m | 1,347,632 | 1,349,833 | 99.8% | |
Credit/Deposit ratio | x | 69.6 | 49.6 | 140.3% | |
Yield on advances | % | 9.2 | 7.6 | 121.5% | |
Cost of deposits | % | 4.2 | 4.7 | 90.0% | |
Net Interest Margin | % | 4.0 | 1.5 | 262.1% | |
Net fixed assets | Rs m | 22,083 | 12,341 | 178.9% | |
Share capital | Rs m | 1,101 | 74,279 | 1.5% | |
Free reserves | Rs m | 120,826 | 40,710 | 296.8% | |
Net worth | Rs m | 121,927 | 114,989 | 106.0% | |
Borrowings | Rs m | 28,850 | 22,037 | 130.9% | |
Investments | Rs m | 349,002 | 609,760 | 57.2% | |
Total assets | Rs m | 1,545,046 | 1,515,299 | 102.0% | |
Debt/equity ratio | x | 11.3 | 11.9 | 94.6% | |
Return on assets | % | 1.1 | -1.5 | -75.0% | |
Return on equity | % | 14.5 | -20.1 | -72.1% | |
Capital adequacy ratio | % | 15.4 | 13.0 | 118.6% | |
Net NPAs | % | 0.8 | 8.7 | 9.1% |
CASH FLOW | |||||
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From Operations | Rs m | -8,526 | -150,737 | 5.7% | |
From Investments | Rs m | -2,573 | -732 | 351.3% | |
From Financial Activity | Rs m | 4,074 | 45,761 | 8.9% | |
Net Cashflow | Rs m | -7,024 | -105,708 | 6.6% |
Indian Promoters | % | 59.4 | 97.4 | 61.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 12.9 | 1.2 | 1,045.5% | |
FIIs | % | 6.5 | 0.0 | - | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 2.6 | 1,567.6% | |
Shareholders | 278,050 | 101,958 | 272.7% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | J&K Bank | United Bank of India | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.26% | -0.44% | 1.61% |
1-Month | 3.84% | -42.19% | -0.07% |
1-Year | -14.22% | -59.60% | 18.92% |
3-Year CAGR | 34.47% | -43.77% | 11.26% |
5-Year CAGR | 23.81% | -31.10% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the United Bank of India share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of United Bank of India the stake stands at 97.4%.
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 United Bank of India.
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%.
United Bank of India 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 United Bank of India.
For a sector overview, read our banking sector report.
After opening the day higher, Indian benchmark indices remained positive as the session progressed and ended the day on firm footing.