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- J&K BANK - UTKARSH SMALL FINANCE BANK
J&K BANK vs UTKARSH SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | UTKARSH SMALL FINANCE BANK | J&K BANK/ UTKARSH SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 8.6 | 59.8% | View Chart |
| P/BV | x | 0.9 | 1.4 | 63.3% | View Chart |
| Dividend Yield | % | 2.3 | 1.4 | 164.3% |
Financials
 J&K BANK  UTKARSH SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
UTKARSH SMALL FINANCE BANK Mar-24 |
J&K BANK/ UTKARSH SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 68 | 223.4% | |
| Low | Rs | 48 | 37 | 130.0% | |
| Income per share (Unadj.) | Rs | 101.8 | 28.9 | 352.2% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 4.5 | 355.4% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 13.2 | 388.8% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0.50 | 430.0% | |
| Avg Dividend yield | % | 2.1 | 0.9 | 225.8% | |
| Book value per share (Unadj.) | Rs | 110.7 | 26.8 | 412.4% | |
| Shares outstanding (eoy) | m | 1,101.18 | 1,099.46 | 100.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.8 | 54.1% | |
| Avg P/E ratio | x | 6.2 | 11.7 | 53.6% | |
| Avg P/CF ratio | x | 4.8 | 5.8 | 83.4% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.0 | 46.2% | |
| Dividend payout | % | 13.4 | 11.0 | 121.0% | |
| Avg Mkt Cap | Rs m | 110,597 | 57,985 | 190.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 7,370 | 350.0% | |
| 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 | 112,132 | 31,784 | 352.8% | |
| Other income | Rs m | 8,377 | 4,004 | 209.2% | |
| Interest expense | Rs m | 60,079 | 12,926 | 464.8% | |
| Net interest income | Rs m | 52,053 | 18,858 | 276.0% | |
| Operating expense | Rs m | 37,626 | 12,889 | 291.9% | |
| Gross profit | Rs m | 14,427 | 5,969 | 241.7% | |
| Gross profit margin | % | 12.9 | 18.8 | 68.5% | |
| Provisions/contingencies | Rs m | 5,105 | 4,996 | 102.2% | |
| Profit before tax | Rs m | 23,881 | 6,594 | 362.2% | |
| 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 | 1,618 | 382.2% | |
| Profit after tax | Rs m | 17,712 | 4,976 | 355.9% | |
| Net profit margin | % | 15.8 | 15.7 | 100.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 163,648 | 572.9% | |
| Deposits | Rs m | 1,347,632 | 174,726 | 771.3% | |
| Credit/Deposit ratio | x | 69.6 | 93.7 | 74.3% | |
| Yield on advances | % | 9.2 | 17.6 | 52.2% | |
| Cost of deposits | % | 4.2 | 6.4 | 65.8% | |
| Net Interest Margin | % | 4.0 | 9.4 | 43.0% | |
| Net fixed assets | Rs m | 22,083 | 3,013 | 732.9% | |
| Share capital | Rs m | 1,101 | 10,995 | 10.0% | |
| Free reserves | Rs m | 120,826 | 18,521 | 652.4% | |
| Net worth | Rs m | 121,927 | 29,516 | 413.1% | |
| Borrowings | Rs m | 28,850 | 19,951 | 144.6% | |
| Investments | Rs m | 349,002 | 36,795 | 948.5% | |
| Total assets | Rs m | 1,545,046 | 239,027 | 646.4% | |
| Debt/equity ratio | x | 11.3 | 6.6 | 171.2% | |
| Return on assets | % | 1.1 | 2.1 | 55.1% | |
| Return on equity | % | 14.5 | 16.9 | 86.2% | |
| Capital adequacy ratio | % | 15.4 | 22.6 | 68.3% | |
| Net NPAs | % | 0.8 | 0 | 2,633.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 9,912 | -86.0% | |
| From Investments | Rs m | -2,573 | -6,198 | 41.5% | |
| From Financial Activity | Rs m | 4,074 | 1,397 | 291.7% | |
| Net Cashflow | Rs m | -7,024 | 5,111 | -137.4% | |
Share Holding
| Indian Promoters | % | 59.4 | 68.9 | 86.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 11.0 | 116.8% | |
| FIIs | % | 6.5 | 1.0 | 653.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 31.1 | 130.7% | |
| Shareholders | 278,050 | 227,886 | 122.0% | ||
| 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 UTKARSH SMALL FINANCE 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 UTKARSH SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | UTKARSH SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 3.43% | 1.61% |
| 1-Month | 3.84% | -9.50% | -0.07% |
| 1-Year | -14.22% | -28.13% | 18.92% |
| 3-Year CAGR | 34.47% | -8.95% | 11.26% |
| 5-Year CAGR | 23.81% | -5.47% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UTKARSH SMALL FINANCE 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 UTKARSH SMALL FINANCE BANK the stake stands at 68.9%.
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 UTKARSH SMALL FINANCE 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%.
UTKARSH SMALL FINANCE BANK paid Rs 0.5, and its dividend payout ratio stood at 11.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of UTKARSH SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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