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Jammu & Kashmir Bank Ltd.
(J&KBANK)
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Rating:61Neutral
Price Target:
₹163.00
▲(12.72% Upside)
Action:Reiterated
Date:07/30/26
The score is primarily held back by mixed financial performance—especially volatile/negative cash flows and a sharp 2026 drop in scale and profitability—while the low P/E and modest dividend provide meaningful valuation support. Technical factors do not materially influence the score due to missing indicator data.
Positive Factors
Regional franchise
A durable local franchise in J&K gives the bank stable retail and MSME deposit relationships and entrenched customer access. Persistent market share in its home territory supports a predictable funding base and cross-sell opportunities, underpinning long-term revenue stability.
Negative Factors
Inconsistent cash generation
Repeated negative operating and free cash flows reduce internal funding for loan growth, dividends and provisioning. Reliance on volatile cash conversion increases funding and refinancing risk and weakens the bank's ability to sustain investment through stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Regional franchise
A durable local franchise in J&K gives the bank stable retail and MSME deposit relationships and entrenched customer access. Persistent market share in its home territory supports a predictable funding base and cross-sell opportunities, underpinning long-term revenue stability.
Read all positive factors
Jammu & Kashmir Bank Ltd. (J&KBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹159.40B
Dividend Yield0.94%
Average Volume (3M)199.82K
Price to Earnings (P/E)7.1
Beta (1Y)1.26
Revenue Growth2.35%
EPS Growth7.25%
CountryIN
Employees11,934
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)20.91
Shares Outstanding1,101,182,500
10 Day Avg. Volume128,545
30 Day Avg. Volume199,822
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)0.96
Price to Sales (P/S)1.13
P/FCF Ratio-10.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)22.3
Revenue Forecast (FY)₹77.34B
Jammu & Kashmir Bank Ltd. Business Overview & Revenue Model
Company Description
The Jammu and Kashmir Bank Limited delivers a diverse suite of banking products and services, structured across its key segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business activities. The institut...
How the Company Makes Money
J&KBANK primarily makes money through interest income and fee-based income typical of a full-service commercial bank. (1) Net interest income: The bank earns interest on loans and advances (e.g., retail, MSME, corporate, and other credit exposures...
Jammu & Kashmir Bank Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 143.50B | 141.07B | 137.77B | 119.74B | 100.36B | 87.66B |
| Gross Profit | 52.09B | 68.33B | 70.36B | 59.66B | 54.26B | 46.65B |
| EBITDA | 29.25B | 30.92B | 31.07B | 26.06B | 19.44B | 8.91B |
| Net Income | 23.04B | 23.60B | 20.82B | 17.71B | 11.81B | 4.95B |
Balance Sheet | ||||||
| Total Assets | 1.99T | 1.89T | 1.69T | 1.55T | 1.46T | 1.31T |
| Cash, Cash Equivalents and Short-Term Investments | 80.89B | 130.03B | 1.20B | 81.96B | 88.99B | 87.92B |
| Total Debt | 43.81B | 34.31B | 3.12B | 28.85B | 28.92B | 23.71B |
| Total Liabilities | 1.82T | 1.72T | 1.55T | 1.42T | 1.36T | 1.22T |
| Stockholders Equity | 170.03B | 165.00B | 142.08B | 121.93B | 98.96B | 80.77B |
Cash Flow | ||||||
| Free Cash Flow | -16.14B | -9.98B | 50.39B | 933.56M | -5.31B | -16.53B |
| Operating Cash Flow | -11.53B | -5.28B | 51.41B | 1.05B | -4.07B | -15.68B |
| Investing Cash Flow | -2.59B | -179.53B | -1.02B | -2.57B | -1.24B | -851.85M |
| Financing Cash Flow | -7.45M | 165.54B | 127.54B | 131.43B | 6.38B | 9.41B |
Jammu & Kashmir Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹137.82B | 9.91 | ― | 1.39% | 11.78% | 20.33% | |
74 Outperform | ₹313.49B | 11.79 | ― | 0.78% | 15.05% | 36.88% | |
69 Neutral | ₹117.79B | 7.83 | ― | 0.99% | 2.83% | 13.45% | |
68 Neutral | ₹223.52B | 12.90 | ― | 0.88% | 18.39% | 20.21% | |
66 Neutral | ₹119.44B | 8.37 | ― | 1.57% | 0.90% | 23.29% | |
61 Neutral | ₹159.40B | 7.06 | ― | 0.94% | 2.35% | 7.25% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:J&KBANK
Jammu & Kashmir Bank Ltd.
147.65
43.63
41.94%
IN:CUB
City Union Bank Limited
227.80
76.52
50.58%
IN:KARURVYSYA
Karur Vysya Bank Ltd.
334.65
120.32
56.14%
IN:KTKBANK
Karnataka Bank Ltd.
317.85
145.04
83.93%
IN:SOUTHBANK
South Indian Bank Limited
45.22
16.21
55.86%
IN:TMB
Tamilnad Mercantile Bank Limited
902.15
477.43
112.41%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.