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Dominant bank in Jammu & Kashmir, majority government-owned, acting as the region's principal banker.
Dominant bank in Jammu & Kashmir, majority government-owned, acting as the region's principal banker.
Acts as banker to the Jammu and Kashmir government and holds its deposits, which makes it the main local home for public money, while earning a spread on loans to local businesses and households. Because the government owns the majority, state support affects it more than most banks.
In one line: A regional monopoly-like Indian bank.
Moat: narrow (regulatory licence, distribution). De facto banker to the Jammu & Kashmir government with a dominant regional branch network.
Headquarters: Srinagar, India · Founded: 1938 · Employees: 11,935
Size Jammu & Kashmir Bank (J&KBANK.NS) is an India Financials company (Regional Banks) with a market value of $1.44B, the 482nd largest of 1,058 India companies the cockpit tracks. Shares closed at ₹123.11 on 6 Nov 2026.
Performance Over six months the shares fell 11.8%, against +4.6% for the median peer and 0.0% for the India market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 6.4% over the last twelve months (peer median +4.1%); the operating margin is 42.6% (peer median 31.5%).
Valuation It trades at 0.77× book value against a peer median of 1.17× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 12.1%; Jammu & Kashmir Bank delivers 14.5%, so the price asks less than the business earns today.
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹149B | ₹143B | ₹137B | ₹120B | ₹101B |
| Revenue growth | — | +4% | +14% | +18% | — |
| Net income | ₹23.6B | ₹23.6B | ₹20.8B | ₹17.7B | ₹11.8B |
| Free cash flow | n/a | -₹9.98B | ₹50.4B | -₹24.8B | ₹48.3B |
| Capital expenditure | n/a | ₹4.69B | ₹1.02B | ₹1.86B | ₹1.24B |
| Total debt | ₹53.8B | ₹68.1B | ₹56.1B | ₹58.2B | ₹51.6B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Jammu & Kashmir Bank J&KBANK.NS | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% |
| State Bank of India SBIN.NS | $99.5B | -7% | +6% | 15% | 1.40× | 20.7% |
| Punjab National Bank PNB.NS | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | J&KBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -11.7% | -1.3% | 4th lowest of 21 |
| 6-month return | -11.8% | +4.6% | 4th lowest of 21 |
| Return on equity | 14.5% | 10.6% | 5th highest of 21 |
| Price / book | 0.77× | 1.17× | 5th cheapest of 21 |
| Trailing P/E | 5.7× | 11.9× | 4th cheapest of 19 |
| ROE the price implies | 12.1% | 7.8% | 5th most demanding of 21 |
| ROE delivered | 14.5% | 10.7% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |