The Jammu & Kashmir Bank Limited
Quick Take
- • Trading at 7.0× trailing earnings (5.8× forward)
- • Moderate ROE at 14.6%
- • Leverage not reported
- • Modest dividend yield of 1.43%
- • Operating margin 38.0% · Net margin 34.2%
- • Profit growth -11.60% YoY · Beta 0.46
Latest quarter · Jun 2026
| ₹ Cr | Jun 2026 | QoQ | YoY |
|---|---|---|---|
| Revenue | 1,716 | -2.05% | -8.97% |
| Operating Profit | — | — | — |
| Net Profit | 429 | -46.31% | -26.29% |
| EPS (₹) | 3.89 | -46.34% | -26.33% |
Shareholding Pattern
| Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Promoters | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% | 59.40% |
| FIIs▲1.04 | 6.46% | 7.07% | 7.64% | 8.01% | 7.85% | 8.14% | 8.34% | 9.38% |
| DIIs▲1.84 | 6.66% | 6.83% | 6.70% | 5.87% | 5.76% | 5.83% | 6.00% | 7.84% |
| Government | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Public▼2.87 | 27.48% | 26.71% | 26.26% | 26.72% | 26.99% | 26.63% | 26.25% | 23.38% |
| No. of Shareholders | 2,78,050 | 2,82,743 | 2,80,187 | 2,65,968 | 2,61,978 | 2,54,219 | 2,40,539 | 2,19,636 |
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About the company
From latest AR & concallJammu and Kashmir Bank Limited provide various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC, smartphone, school education, modular kitchen, Sahafat, solar equipment, and two-wheeler finance services, as well as cash credit schemes, and loans against gold ornaments and jewellery. In addition, it offers commercial vehicle, school bus, passenger bus/mini bus, dastkar, craftsmen, commercial premises, contractor, mini sheep farm establishment, construction equipment, and tourism financing services; Saral financing services to small businessmen; mortgage loans for trade and service sector, loans against property, fair price shop schemes, and start-ups financing services; Karobar cards; guaranteed emergency credit lines; credit guarantee schemes for subordinate debt; asset based agri loans, fruit advances schemes, and Giri finance schemes; and mortgage loan schemes for agricultural produce traders. Further, the company provides government sponsored schemes; life, lodge, and non-life insurance products; debit and credit cards; NRI products; and merchant acquiring services. Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.
