The Jammu & Kashmir Bank

J&KBANK · NSE

— · —

₹156

Closing price — 31 Jul 2026

Market cap ₹11,134 Cr · EPS ₹6.01

Valuation

Blended fair value using DCF and peer comparison methods.

Intrinsic Value

₹420

+169.4% vs ₹156

Undervalued

UndervaluedFair valueOvervalued

DCF

—

Peer methods

₹420

Intrinsic value

₹420

DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.

DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Private sector bank · 4 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
The Jammu & Kashmir Bank J&KBANK · you	₹11,134 Cr	4.7×	0.7×	—	14.3%	—	—
Sector median	—	19.7×	1.5×	—	8.9%	—	—
Bandhan Bank BANDHANBNK	₹33,380 Cr	27.3×	1.3×	—	4.8%	—	—
Karur Vysya Bank KARURVYSYA	₹27,471 Cr	11.0×	2.0×	—	17.8%	—	—
RBL Bank RBLBANK	₹22,314 Cr	25.6×	1.3×	—	5.3%	—	—
City Union Bank CUB	₹19,016 Cr	13.8×	1.7×	—	12.6%	—	—

Peer comparison verdict

The looks attractively valued — trading at a discount to sector peers on P/E (4.7× vs sector median 19.7×) while delivering above-average returns on equity (14.3% vs 8.9%).

Business quality

Valuation

P/E ratio

4.7×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

14.3%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

—

EPS CAGR (3yr)

—

Efficiency

Asset turnover

—

FCF yield

-14.3%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

0.21×

Debt / EBITDA

—

Interest coverage

—

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Income statement data is unavailable for this company.

Cash flow

Where cash comes from and where it goes.

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

Balance sheet data is loading… if this persists, financial data may be temporarily unavailable.

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.

What shareholding tells you: When promoters (founders/controlling shareholders) increase their stake, it usually signals confidence in the business. Rising FII (foreign funds) interest means international money is moving in. High promoter pledge is a risk — pledged shares can be force-sold if the stock price falls sharply.

Latest quarter

Promoter

59.4%

FII

8.3%

+0.2 pp QoQ

DII

6.0%

+0.2 pp QoQ

Retail

26.3%

Trend over time (%)

Quarterly data

Category	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Change (YoY)
Promoter	63.4%	63.4%	59.4%	59.4%	59.4%	59.4%	59.4%	59.4%	59.4%	59.4%	59.4%	59.4%	0.0 ppYoY
FII (Foreign)	2.2%	2.6%	5.8%	7.0%	7.2%	6.5%	7.1%	7.6%	8.0%	7.8%	8.1%	8.3%	+0.7 ppYoY
DII (Domestic)	2.4%	4.9%	7.8%	7.9%	6.7%	6.4%	6.8%	6.7%	5.9%	5.8%	5.8%	6.0%	-0.7 ppYoY
Retail	32.0%	29.1%	27.0%	25.7%	26.7%	27.7%	26.7%	26.3%	26.7%	27.0%	26.6%	26.3%	0.0 ppYoY

Signals from the trend

📉

PromoterDown 4pp — worth monitoring for further declines

📈

FIINet buyers (+6.2pp) — foreign institutional interest is growing

📈

DIINet buyers (+3.6pp) — domestic funds are accumulating

Mixed signals — FII buying and DII buying on the positive side, but promoter selling adds uncertainty.

pp = percentage points. FII = Foreign Institutional Investors. DII = Domestic Institutional Investors (MFs, insurance). Data sourced from NSE/BSE filings. Verify on BSE/NSE before any investment decision.