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J&K BANK vs UNITED BANK OF INDIA - Comparison Results

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Current Valuations

    J&K BANK UNITED BANK OF INDIA J&K BANK/
UNITED BANK OF INDIA
 
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 -  

Financials

 J&K BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-24
UNITED BANK OF INDIA
Mar-19
J&K BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs15215 1,030.1%   
Low Rs489 535.0%   
Income per share (Unadj.) Rs101.811.5 883.6%  
Earnings per share (Unadj.) Rs16.1-3.1 -515.9%  
Cash flow per share (Unadj.) Rs51.2-7.2 -709.9%  
Dividends per share (Unadj.) Rs2.150-  
Avg Dividend yield %2.10-  
Book value per share (Unadj.) Rs110.715.5 715.2%  
Shares outstanding (eoy) m1,101.187,427.92 14.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.01.0 95.3%   
Avg P/E ratio x6.2-3.8 -163.3%  
Avg P/CF ratio x4.86.3 77.2%  
Avg Price/Bookvalue ratio x0.90.8 117.8%  
Dividend payout %13.40-   
Avg Mkt Cap Rs m110,59788,578 124.9%   
No. of employees `000NANA-   
Total wages & salary Rs m25,79019,545 132.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m112,13285,599 131.0%  
Other income Rs m8,37723,846 35.1%   
Interest expense Rs m60,07965,853 91.2%   
Net interest income Rs m52,05319,746 263.6%  
Operating expense Rs m37,62629,476 127.6%   
Gross profit Rs m14,427-9,730 -148.3%  
Gross profit margin %12.9-11.4 -113.2%  
Provisions/contingencies Rs m5,10537,275 13.7%   
Profit before tax Rs m23,881-45,809 -52.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m130-   
Tax Rs m6,182-22,650 -27.3%   
Profit after tax Rs m17,712-23,159 -76.5%  
Net profit margin %15.8-27.1 -58.4%  
BALANCE SHEET DATA
Advances Rs m937,566669,551 140.0%   
Deposits Rs m1,347,6321,349,833 99.8%  
Credit/Deposit ratio x69.649.6 140.3%  
Yield on advances %9.27.6 121.5%   
Cost of deposits %4.24.7 90.0%   
Net Interest Margin %4.01.5 262.1%  
Net fixed assets Rs m22,08312,341 178.9%   
Share capital Rs m1,10174,279 1.5%   
Free reserves Rs m120,82640,710 296.8%   
Net worth Rs m121,927114,989 106.0%   
Borrowings Rs m28,85022,037 130.9%   
Investments Rs m349,002609,760 57.2%   
Total assets Rs m1,545,0461,515,299 102.0%  
Debt/equity ratio x11.311.9 94.6%   
Return on assets %1.1-1.5 -75.0%  
Return on equity %14.5-20.1 -72.1%  
Capital adequacy ratio %15.413.0 118.6%  
Net NPAs %0.88.7 9.1%  
CASH FLOW
From Operations Rs m-8,526-150,737 5.7%  
From Investments Rs m-2,573-732 351.3%  
From Financial Activity Rs m4,07445,761 8.9%  
Net Cashflow Rs m-7,024-105,708 6.6%  

Share Holding

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on J&K Bank vs United Bank of India

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 United Bank of India Share Price Performance

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.



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