Company File · BSE 532209 · Latest filing Q1 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
Jammu and Kashmir Bank Ltd.
Data as of 19 Oct 2026 close · BSE · Latest results Q1 FY27
ISIN INE168A01041 · J&KBANK · Financial Services › Banks
About the business
What does J&K Bank do? Jammu & Kashmir Bank is a private sector bank whose largest shareholder is the Jammu & Kashmir government. It has a strong branch network in Jammu & Kashmir & Ladakh. There, it also acts as the government's banker, handling its accounts & payments. It offers deposits, retail & business loans across the region & in other parts of India.
Price & valuation · BSE close, 19 Oct 2026
Above its usual level
Book value ₹150 a share
- NII growth
- +2.2%
- Profit growth
- −11.5%
- Gross NPA
- 2.37%
- Net NPA
- 0.60%
- Price/book
- 0.93×
- Usual P/B
- 0.9×
- ROA
- 0.94%
- ROE
- 10.9%
- CET1
- 13.75%
- Promoter
- 59.40%
- Pledged
- 0.00%
Earnings callsNo earnings-call transcript from Jammu and Kashmir Bank in our data yet. When it files one on BSE, the call notes appear here within a few hours. See its call page
Is it expensive, and is it a good business?
Key ratios
In short Priced above its own usual level (P/B 0.93× vs 0.9×), earns about 10.9% a year on shareholders' money (ROE, an estimate) & has gross NPA of 2.37% of its loans.
What you pay Valuation
The share price is 0.9 times the accounting value of each share. Above its 1-year median of 0.9×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹150 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
The company paid no dividend in the last 12 months.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, bad loans & returns
NII was 2.2% higher than in Q1 FY26.
Latest quarter's net interest income (interest earned less interest expended) vs the same quarter a year earlier. As of 30th June 2026.
Profit was 11.5% lower than in Q1 FY26.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 30th June 2026.
2.37% of its loans were 90 days or more overdue at the end of Q1 FY27.
Gross NPA % as the bank reports it with its results, at the end of the quarter. As of 30th June 2026.
After the provisions set aside for them, bad loans came to 0.60% of its loans at the end of Q1 FY27.
Net NPA % as the bank reports it with its results, at the end of the quarter. As of 30th June 2026.
Each ₹100 of its assets earned about ₹0.94 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
Each ₹100 of shareholders' money earned about ₹10.9 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
Its core capital was 13.75% of its risk-weighted assets at the end of Q1 FY27.
Common equity tier 1 capital ÷ risk-weighted assets, as the bank reports it with its results. As of 30th June 2026.
Who owns it Ownership & more
The founders or parent group own 59.40% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding did not change over the last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202659.40%
- Jun 202659.40%
- Mar 202659.40%
- Dec 202559.40%
- Sep 202559.40%
Promoters reported no pledged shares.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 20260.00%
- Jun 20260.00%
- Mar 20260.00%
- Dec 20250.00%
- Sep 20250.00%
Each share has a face (nominal) value of ₹1. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 110.12 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹15,350 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹10,926 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
Over the last four quarters the group earned ₹2,307 crore after tax; ₹2,304 crore of that belongs to the company's own shareholders, the rest to minority shareholders in its subsidiaries.
Sum of the last four quarters' profit attributable to the company's own shareholders (after minority interests), as reported. As of 30th June 2026.
Each share earned about ₹20.91 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 30th June 2026.
Each share is backed by about ₹150 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
Needs four consecutive quarters.
EBITDA ÷ revenue over the last four quarters. As of 30th June 2026.
About ₹12.1 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th June 2026.
Sales were 8.5% higher than a year earlier.
Latest quarter's revenue vs the same quarter last year. As of 30th June 2026.
Profit was 11.5% lower than a year earlier.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th June 2026.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 31st March 2026.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 31st March 2026.
Needs four consecutive quarters.
Inventories ÷ last 12 months' revenue × 365. As of 31st March 2026.
31.4% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 30th June 2026.
Each ₹1 of profit brought in ₹-0.72 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2026.
Cash exceeds borrowings by ₹4,424 crore.
Cash & bank balances − borrowings. As of 31st March 2026.
The company paid about 21.1% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th June 2026.
Needs four consecutive quarters.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th June 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
Needs a full-year cash-flow statement.
Purchase of property, plant & equipment, latest full year. As of 31st March 2026.
Borrowings stood at ₹3,431 crore.
Current + non-current borrowings. As of 31st March 2026.
Foreign institutions own 11.62%.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
Domestic institutions own 7.42%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹202.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 10th July 2026.
The lowest price in the last year was ₹97.4.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 30th December 2025.
The share price moved 30.7% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 0% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th June 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 110.12 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. Gross & net NPA are bad loans as a share of all loans: lower is better. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. CET1 is the bank's core capital: more of it means more room to lend.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 4 quarters ₹ crore · Consolidated
| ₹ crore | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|
| Interest earned | 3,293 | 3,315 | 3,273 | 3,547 |
| Net interest income (NII) | 1,435 | 1,491 | 1,489 | 1,499 |
| Operating profit before provisions | 623.8 | 781.4 | 912.6 | 704.8 |
| Provisions | -10.9 | -25.8 | 50.3 | 84.0 |
| Profit after tax | 494.9 | 587.5 | 799.2 | 425.3 |
| Profit for shareholders | 494.9 | 581.5 | 798.6 | 428.8 |
| Gross NPA (% of loans) | 3.32% | 3.00% | 2.50% | 2.37% |
| Basic EPS (₹) | 4.49 | 5.28 | 7.25 | 3.89 |
Latest filings BSE
Corporate announcements 29
- 16 Oct 2026Memorandum of Understanding /Agreements
- 13 Oct 2026Change in Management
- 13 Oct 2026Resignation of Director
Quarterly results 2
- 12 Oct 2026Board Meeting Intimation for CONSIDERATION OF UNAUDITED FINANCIAL RESULTS (CONSOLIDATED AND STANDALONE) OF THE BANK FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER, 2026
- 22 Sep 2026FINANCIAL RESULTS OF THE BANK AUDITED BY COMPTROLLER & AUDITOR GENERAL OF INDIA FOR THE FINANCIAL YEAR ENDED 31ST MARCH, 2026 (STANDALONE & CONSOLIDATED)
Conference calls 5
- 19 Oct 2026Analyst / Investor Meet - Intimation
- 14 Oct 2026Analyst / Investor Meet - Intimation
- 19 Sep 2026Analyst / Investor Meet - Intimation
Investor presentations 0
None in the filings we hold.
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