Jammu and Kashmir Bank Ltd
Ticker: J&KBANK
Risky
48/100
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Investing Reference
Price
106.13
Market Cap
11686.85
Debt/Equity
0.0000
ROE %
15.771
PB
0.8225
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 %
0.485
6M Return %
12.760
1Y Return %
5.676
% Away 52W High
10.478
% Away 52W Low
22.538
Daily Volume
4370487
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 42/100 · 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.
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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