Flash Finance

The Jammu & Kashmir Bank LimitedJ&KBANKBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹146.58
MCap ₹16,141 Cr · P/E 7.0
The Jammu & Kashmir Bank Limited — Stock analysis & AI research The Jammu & Kashmir Bank Limited — Seasonality — best & worst months The Jammu & Kashmir Bank Limited — Technical indicators & charts The Jammu & Kashmir Bank Limited — Live exchange announcements
AI-generated data: figures and text on this page are derived by AI agents from public quarterly filings and may contain errors or omissions — this website is managed by AI without human monitoring. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹3,547 Cr
Interest Earned · Jun 2026
+8.5% YoY
₹705 Cr
Operating Profit · Jun 2026
+4.5% YoY
₹429 Cr
Net Profit · Jun 2026
-11.5% YoY
₹3.89
EPS · Jun 2026
-11.6% YoY
2.37%
Gross NPA % · Jun 2026
0.60%
Net NPA % · Jun 2026

📝 The Jammu & Kashmir Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

The Jammu & Kashmir Bank Limited reported total income of ₹3,765 crore for the quarter ended June 2026 (Q1 FY27), up 6.9% from ₹3,523 crore in the same quarter last year, and up 6.5% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹3,547 crore and other income ₹217 crore. Net interest income (interest earned minus interest expended of ₹2,049 crore) worked out to ₹1,499 crore.

Net profit fell 11.5% year-on-year to ₹429 crore, from ₹485 crore. Earnings per share (EPS) came in at ₹3.89.

On asset quality, gross NPA stood at 2.37% and net NPA at 0.60% (gross NPA was 3.50% a year ago); the capital adequacy ratio was 16.54%.

Full year and trailing twelve months

For the full year FY26, The Jammu & Kashmir Bank Limited posted total income of ₹14,103 crore, a growth of 3.1% over FY25, with a net profit of ₹2,360 crore (up 13.3% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹14,345 crore with a net profit of ₹2,304 crore.

Valuation snapshot

At the current price of ₹146.58, J&KBANK has a market capitalisation of ₹16,141 crore and a trailing P/E of about 7.0.

Within the Banks - Regional industry, it is the 25th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 59.40%, foreign institutional investors (FIIs) 8.35%, domestic institutional investors (DIIs) 6.00%, public shareholders 26.26% of The Jammu & Kashmir Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹16,141 Cr
Current Price ?
₹146.6
P/E ?
7.01below ind
Industry P/E ?
11.20
P/B ?
0.98
P/S ?
1.13
P/FCF ?
-10.12
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.27
Earnings Yield ?
14.3%
Dividend Yield ?
1.32%
Profitability & Returns
Total Income (TTM) ?
₹14,345 Cr
OPM ?
4.9%
Profit after tax (TTM) ?
₹2,304 Cr
EPS (TTM) ?
₹20.92
ROCE ?
N/A
ROE ?
14.0%
ROA ?
1.2%
Gross NPA % ?
2.37%
Net NPA % ?
0.60%
Growth
Total Income — latest qtr ?
₹3,765 Cr
PAT — latest qtr ?
₹429 Cr
YoY qtr sales growth ?
6.9%
YoY qtr profit growth ?
-11.5%
Sales growth (3y) ?
12%
Sales growth (5y) ?
10%
Profit growth (3y) ?
26%
Profit growth (5y) ?
41%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
59.40%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-10.4%
Return 6 months ?
23.4%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 2,4412,5122,6572,7642,8812,9102,9943,1243,2103,2133,2693,2933,3153,2733,547 +8.5% +8.4%
Other Income 244168230193186229198301242403253157280262217 -14.1% -17.0%
Total Income 2,6852,6812,8872,9573,0673,1393,1933,4243,4523,6163,5233,4503,5953,5353,765 +6.9% +6.5%
Interest Expended 1,1831,2621,3741,4301,6001,6041,6251,6871,6971,7321,8031,8581,8241,7842,049 +13.6% +14.8%
Operating Profit 545450—535551—596789749—674———705 +4.5% —
Provisions 27-175—-10-9—-1733-10—15———84 +456.9% —
Profit Before Tax 518625452545561830614757758810659635807862621 -5.8% -28.0%
Net Profit 307473331384423633418553529582485495581799429 -11.5% -46.3%
EPS 3.194.873.213.724.055.753.805.024.805.284.404.495.287.253.89 -11.6% -46.3%
Gross NPA % 7.25% 6.04% 5.77% 5.26% 4.84% 4.08% 3.91% 3.95% 4.08% 3.37% 3.50% 3.32% 3.00% 2.50% 2.37% — —
Net NPA % 2.08% 1.62% 1.39% 1.04% 0.83% 0.79% 0.76% 0.85% 0.94% 0.79% 0.82% 0.76% 0.68% 0.64% 0.60% — —
Capital Adequacy Ratio 13.86% 15.41% 14.83% 14.61% 14.25% — 15.16% 15.07% 15.18% 16.29% 16.00% 15.27% 15.00% — 16.54% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹12,541 Cr ₹13,150 Cr ₹13,428 Cr +4.9%
Other Income ₹1,144 Cr ₹952 Cr ₹916 Cr -16.8%
Total Income ₹13,685 Cr ₹14,103 Cr ₹14,345 Cr +3.1%
Interest Expended ₹6,742 Cr ₹7,269 Cr ₹7,515 Cr +7.8%
Net Interest Income ₹5,799 Cr ₹5,882 Cr ₹5,914 Cr +1.4%
Operating Profit ₹2,134 Cr ₹674 Cr ₹705 Cr -68.4%
Provisions ₹5 Cr ₹15 Cr ₹84 Cr +187.4%
Profit Before Tax ₹2,939 Cr ₹2,963 Cr ₹2,925 Cr +0.8%
Tax ₹628 Cr ₹173 Cr ₹195 Cr -72.4%
Net Profit ₹2,082 Cr ₹2,360 Cr ₹2,304 Cr +13.3%
EPS ₹18.90 ₹21.42 ₹20.91 +13.3%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 103110110110 +0.0%
Reserves 9,79312,08314,09816,390 +16.3%
Deposits 122,027134,765148,552165,342 +11.3%
Borrowing 2,8922,8852,3833,431 +44.0%
Other Liabilities 11,0974,6624,2803,687 -13.9%
Total Liabilities 145,913154,505169,424188,960 +11.5%
Fixed Assets 2,2242,2082,1262,533 +19.1%
CWIP 4750660 -100.0%
Investments 34,78034,90041,12240,520 -1.5%
Other Assets 108,860117,347126,110145,906 +15.7%
Total Assets 145,913154,505169,424188,960 +11.5%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -407-8532,723-1,126 -141.4%
Cash from Investing Activity -124-257-102-302 -196.1%
Cash from Financing Activity 638407-1,034-500 +51.6%
Net Cash Flow 107-7021,587-1,928 -221.5%
Free Cash Flow -531-1,0382,621-1,595 -160.9%
CFO/OP 1%-5%40%-4% -110.0%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 13%16%16%15% -6.2%

👥 Shareholding (latest 4 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026 % Chg
Promoters 59.40%59.40%59.40%59.40% +0.0%
FIIs 8.01%7.85%8.14%8.35% +2.6%
DIIs 5.87%5.76%5.84%6.00% +2.7%
Public 26.72%26.98%26.62%26.26% -1.4%
No. of Shareholders 2,65,9682,61,9782,54,2192,40,539 -5.4%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 454,591 79,551 19.7% 17.5% 5.2% 8.4% -30.7% 17.2%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 6.0 149,418 22,094 10.2% 14.8% 6.4% -0.6% -0.1% 168.3%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 9.0 80,424 12,785 19.3% 15.9% 8.7% 3.9% 11.1% 47.5%
10 CANBK Canara Bank ₹123.49 112,013 5.6 151,338 19,859 17.3% 13.1% 0.3% 12.2% -4.2% 7.1%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 18.1 34,901 4,776 16.5% 13.7% 7.0% 5.0% 7.5% 41.3%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 34.5 18,713 899 13.8% 4.8% 3.6% 22.5% 5.5% 9.3%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.8 13,635 2,745 22.9% 20.1% 14.4% 29.3% 15.8% 44.9%
22 UCOBANK UCO Bank ₹24.05 30,158 10.7 30,990 2,816 19.7% 9.1% 0.9% 13.2% 16.8% 8.0%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 J&KBANK Jammu and Kashmir ₹145.69 16,043 7.0 14,345 2,304 4.9% 16.1% 3.1% 13.3% 6.9% -11.5%
❓ Frequently asked questions
What was The Jammu & Kashmir Bank Limited's total income in Q1 FY27?
The Jammu & Kashmir Bank Limited reported total income of ₹3,765 crore for the quarter ended June 2026 (Q1 FY27), up 6.9% from ₹3,523 crore in the same quarter last year, and up 6.5% sequentially over the March 2026 quarter.
What was The Jammu & Kashmir Bank Limited's net profit in Q1 FY27?
Net profit fell 11.5% year-on-year to ₹429 crore, from ₹485 crore. Earnings per share (EPS) came in at ₹3.89.
What is J&KBANK's market capitalisation and P/E ratio?
At the current price of ₹146.58, J&KBANK has a market capitalisation of ₹16,141 crore and a trailing P/E of about 7.0.
What are The Jammu & Kashmir Bank Limited's NPA levels?
On asset quality, gross NPA stood at 2.37% and net NPA at 0.60% (gross NPA was 3.50% a year ago); the capital adequacy ratio was 16.54%.
Who owns The Jammu & Kashmir Bank Limited? (shareholding pattern)
As of Mar 2026, promoters held 59.40%, foreign institutional investors (FIIs) 8.35%, domestic institutional investors (DIIs) 6.00%, public shareholders 26.26% of The Jammu & Kashmir Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ AI Disclaimer: This website is entirely managed by AI Agents and may contain errors or inaccuracies. Always verify information from multiple sources before making any financial or investment decisions.