Jammu and Kashmir Bank Ltd
Ticker: J&KBANK
Risky
48/100
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Investing Reference
Price
105.79
Market Cap
11649.41
Debt/Equity
0.0000
ROE %
15.771
PB
0.8199
Promoter %
59.400
Pledge %
0.000
1Y Rev Growth %
13.585
5Y Rev Growth %
8.857
NP Margin %
15.209
NP Margin 5Y Avg %
10.416
Trading Reference
1M Return %
2.049
6M Return %
13.570
1Y Return %
9.276
% Away 52W High
10.833
% Away 52W Low
22.145
Daily Volume
2203109
Investment Verdict
Buy
Score 89/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 47/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Jammu and Kashmir Bank Ltd is currently trading near a key support level, with recent volume indicating accumulation. If it breaks above the resistance level at INR 50, it could see upside potential towards INR 60. Conversely, if it falls below the support level at INR 40, it may decline towards INR 35.
Upside Probability: 20% | Downside Probability: 12%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Jammu and Kashmir Bank Ltd is a premier banking institution catering primarily to the residents of Jammu and Kashmir, as well as other regions across India. Established in 1938, it plays a vital role in promoting economic development and financial inclusion in the region. The bank offers a comprehensive range of financial services, including retail banking, corporate banking, and investment solutions. Its commitment to customer service and community development makes it a trusted partner for individuals and businesses alike.
- Established in 1938, a trusted banking institution.
- Focuses on financial inclusion in Jammu and Kashmir.
- Offers a wide range of banking and investment services.
- Strong commitment to customer service and community development.
- Supports local businesses and economic growth.
Investment Thesis
Jammu and Kashmir Bank Ltd presents a compelling investment opportunity driven by its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. As the bank enhances its digital footprint, it is well-positioned to capture market share and deliver sustainable returns.
- Strong promoter credibility enhances trust and stability.
- Significant growth potential in digital banking services.
- Attractive valuation metrics compared to industry peers.
- Focus on expanding customer base and improving operational efficiency.
- Strategic initiatives to strengthen market position and profitability.
Opportunity vs Risk
Opportunities
- Strong regional market presence
- Growing digital banking initiatives
- Potential for government support
- Diversification in financial services
- Improving asset quality
Risks ⚠️
- High non-performing assets
- Economic slowdown impact
- Regulatory changes
- Intense competition in banking
- Political instability in the region
Peer Perspective
Jammu and Kashmir Bank Ltd trades at a discount to peers like HDFC Bank and ICICI Bank, primarily due to lower growth rates; a focus on margin stability and improved asset quality could trigger a rerating.
Future Outlook
Jammu and Kashmir Bank Ltd is poised for growth, driven by strategic initiatives and a focus on enhancing operational efficiency; however, successful execution and diligent cost control will be crucial to fully realize its potential.
AI FAQs for Retail Users
- Q: What does Jammu and Kashmir Bank Ltd do?A: It provides banking and financial services in the Jammu and Kashmir region and beyond.
- Q: Is Jammu and Kashmir Bank Ltd a public company?A: Yes, it is a publicly traded company listed on Indian stock exchanges.
- Q: What are the main services offered by the bank?A: The bank offers retail banking, corporate banking, and investment services.
- Q: How can I invest in Jammu and Kashmir Bank Ltd?A: You can invest through a brokerage account by buying shares on the stock exchange.
- Q: What factors should I consider before investing?A: Consider the bank's financial health, market conditions, and your investment goals.
📊 Stock Investment Checklist (100 Points)
Jammu and Kashmir Bank Ltd • Updated: 2025-09-17 07:07:19
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8BusinessHighThe banking sector is evolving with digital transformation, but J&K Bank faces regional challenges.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
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10ValuationHighValuation metrics are in line with peers, but growth prospects are uncertain.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding services.
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0TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Jammu and Kashmir Bank Ltd presents a risky investment opportunity due to inconsistent growth and weak market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100