The Jammu & Kashmir Bank LimitedJ&KBANKBank / NBFC

Financial Services Banks - Regional Latest results: Sep 2026 16 quarters of data

₹119.07

MCap ₹13,112 Cr · P/E 5.6

AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹3,727 Cr

Interest Earned · Sep 2026

+13.2% YoY

₹789 Cr

Operating Profit · Sep 2026

+26.7% YoY

₹546 Cr

Net Profit · Sep 2026

+10.6% YoY

₹4.96

EPS · Sep 2026

+10.5% YoY

2.23%

Gross NPA % · Sep 2026

0.51%

Net NPA % · Sep 2026

📝 The Jammu & Kashmir Bank Limited — results explained

Quarter ended September 2026 (Q2 FY27)

The Jammu & Kashmir Bank Limited reported total income of ₹4,042 crore for the quarter ended September 2026 (Q2 FY27), up 17.3% from ₹3,447 crore in the same quarter last year, and up 7.5% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹3,727 crore and other income ₹315 crore. Net interest income (interest earned minus interest expended of ₹2,225 crore) worked out to ₹1,502 crore.

Net profit rose 10.6% year-on-year to ₹546 crore, from ₹494 crore. Earnings per share (EPS) came in at ₹4.96.

On asset quality, gross NPA stood at 2.23% and net NPA at 0.51% (gross NPA was 3.32% a year ago); the capital adequacy ratio was 16.57%.

Full year and trailing twelve months

For the full year FY26, The Jammu & Kashmir Bank Limited posted total income of ₹14,089 crore, a growth of 3.0% over FY25, with a net profit of ₹2,364 crore (up 13.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹14,926 crore with a net profit of ₹2,355 crore.

Valuation snapshot

At the current price of ₹119.07, J&KBANK has a market capitalisation of ₹13,112 crore and a trailing P/E of about 5.6.

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

Shareholding pattern

As of Sep 2026, promoters held 59.40%, foreign institutional investors (FIIs) 11.62%, domestic institutional investors (DIIs) 7.42%, public shareholders 21.56% of The Jammu & Kashmir Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹13,112 Cr

Current Price ?

₹119.1

P/E ?

5.57below ind

Industry P/E ?

10.40

P/B ?

0.74

P/S ?

0.88

P/FCF ?

-8.19

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

0.22

Earnings Yield ?

18.0%

Dividend Yield ?

1.80%

Profitability & Returns

Total Income (TTM) ?

₹14,926 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹2,355 Cr

EPS (TTM) ?

₹21.39

ROCE ?

N/A

ROE ?

13.2%

ROA ?

1.2%

Gross NPA % ?

2.23%

Net NPA % ?

0.51%

Growth

Total Income — latest qtr ?

₹4,042 Cr

PAT — latest qtr ?

₹546 Cr

YoY qtr sales growth ?

17.3%

YoY qtr profit growth ?

10.6%

Sales growth (3y) ?

12%

Sales growth (5y) ?

10%

Profit growth (3y) ?

25%

Profit growth (5y) ?

40%

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Ownership

Promoter holding ?

59.40%

Change in promoter holding ?

0.00%

FII holding ?

11.62%

DII holding ?

7.42%

Market

Return 3 months ?

-24.5%

Return 6 months ?

-13.0%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026	YoY %	QoQ %
Interest Earned	2,441	2,512	2,657	2,764	2,881	2,910	2,994	3,124	3,206	3,212	3,268	3,292	3,313	3,272	3,546	3,727	+13.2%	+5.1%
Other Income	242	166	228	190	182	225	194	296	242	404	250	155	279	259	214	315	+103.3%	+47.1%
Total Income	2,683	2,678	2,885	2,954	3,063	3,135	3,188	3,420	3,448	3,616	3,519	3,447	3,593	3,531	3,760	4,042	+17.3%	+7.5%
Interest Expended	1,183	1,263	1,374	1,430	1,601	1,604	1,625	1,688	1,697	1,732	1,803	1,858	1,825	1,784	2,049	2,225	+19.8%	+8.6%
Operating Profit	544	450	528	534	551	—	595	787	748	800	673	623	780	—	703	789	+26.7%	+12.2%
Provisions	27	-175	77	-10	-9	—	-17	33	-10	-9	15	-11	-27	—	84	72	+761.8%	-13.9%
Profit Before Tax	517	625	451	544	560	829	612	754	758	809	658	634	806	861	619	717	+13.1%	+15.8%
Net Profit	312	476	326	381	421	639	415	551	532	585	485	494	587	798	424	546	+10.6%	+28.8%
EPS	3.24	4.91	3.16	3.69	4.03	5.80	3.77	5.00	4.83	5.31	4.40	4.49	5.33	7.24	3.85	4.96	+10.5%	+28.8%
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%	2.23%	—	—
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%	0.51%	—	—
Capital Adequacy Ratio	13.82%	15.38%	14.83%	14.53%	14.18%	—	15.07%	14.99%	15.09%	16.29%	15.98%	15.27%	15.00%	—	16.67%	16.57%	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹12,536 Cr	₹13,146 Cr	₹13,859 Cr	+4.9%
Other Income	₹1,137 Cr	₹944 Cr	₹1,067 Cr	-17.0%
Total Income	₹13,673 Cr	₹14,089 Cr	₹14,926 Cr	+3.0%
Interest Expended	₹6,742 Cr	₹7,269 Cr	₹7,882 Cr	+7.8%
Net Interest Income	₹5,794 Cr	₹5,876 Cr	₹5,976 Cr	+1.4%
Operating Profit	₹2,930 Cr	₹2,076 Cr	₹2,273 Cr	-29.2%
Provisions	₹-4 Cr	₹-23 Cr	₹130 Cr	-479.3%
Profit Before Tax	₹2,934 Cr	₹2,958 Cr	₹3,003 Cr	+0.8%
Tax	₹851 Cr	₹532 Cr	₹585 Cr	-37.5%
Net Profit	₹2,082 Cr	₹2,364 Cr	₹2,355 Cr	+13.5%
EPS	₹18.91	₹21.46	₹21.38	+13.5%

🏛️ Balance Sheet (latest 5 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026	% Chg
Equity Capital	103	110	110	110	110	+0.1%
Reserves	9,840	12,126	14,142	16,640	17,672	+6.2%
Deposits	122,038	134,776	148,569	165,354	176,796	+6.9%
Borrowing	2,892	2,885	2,383	3,431	5,381	+56.8%
Other Liabilities	11,089	4,630	4,264	3,659	3,714	+1.5%
Total Liabilities	145,962	154,527	169,468	189,194	203,673	+7.7%
Fixed Assets	2,224	2,208	2,126	2,532	2,516	-0.6%
CWIP	47	50	66	0	—	—
Investments	34,829	34,987	41,213	40,822	45,941	+12.5%
Other Assets	108,862	117,282	126,065	145,840	155,216	+6.4%
Total Assets	145,962	154,527	169,468	189,194	203,673	+7.7%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-421	-851	2,718	-1,132	-141.6%
Cash from Investing Activity	-123	-257	-102	-302	-196.1%
Cash from Financing Activity	638	407	-1,034	-500	+51.6%
Net Cash Flow	94	-701	1,582	-1,934	-222.3%
Free Cash Flow	-544	-1,037	2,617	-1,601	-161.2%
CFO/OP	1%	-5%	40%	-4%	-110.0%

💧 Half-year Cash Flow (latest 1 periods)

Metric	Sep 2026	% Chg
Cash from Operating Activity	131	—
Cash from Investing Activity	-57	—
Cash from Financing Activity	-130	—
Net Cash Flow	-56	—

➗ Ratios (latest 4 periods)

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

👥 Shareholding (latest 5 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Sep 2026	% Chg
Promoters	59.40%	59.40%	59.40%	59.40%	59.40%	+0.0%
FIIs	8.01%	7.85%	8.14%	8.35%	11.62%	+39.2%
DIIs	5.87%	5.76%	5.84%	6.00%	7.42%	+23.7%
Public	26.72%	26.98%	26.62%	26.26%	21.56%	-17.9%
No. of Shareholders	2,65,968	2,61,978	2,54,219	2,40,539	2,16,319	-10.1%

⚖️ 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%	ROE%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	HDFCBANK HDFC Bank	₹687.00	1,059,877	13.2	506,315	80,825	18.7%	16.0%	13.4%	5.2%	8.4%	9.1%	5.6%
2	ICICIBANK ICICI Bank	₹1,383.50	993,295	18.1	211,322	54,667	27.6%	25.9%	15.5%	4.7%	6.2%	15.9%	20.1%
3	SBIN State Bank	₹950.70	877,569	10.2	722,687	88,468	14.7%	12.2%	14.8%	7.0%	8.3%	7.8%	11.1%
4	KOTAKBANK Kotak Mahindra	₹438.65	436,364	20.3	115,821	21,473	20.8%	18.5%	11.0%	1.0%	-12.8%	18.2%	26.3%
5	AXISBANK Axis Bank	₹1,217.10	378,994	12.6	170,929	29,990	21.3%	17.5%	13.1%	4.0%	-5.8%	14.8%	39.4%
6	UNIONBANK Union Bank	₹178.20	136,031	6.2	130,809	22,000	12.4%	16.8%	15.3%	-0.6%	7.8%	3.9%	30.6%
7	PNB Punjab National	₹115.70	132,973	5.8	151,526	22,871	15.0%	15.1%	14.2%	6.4%	-0.6%	5.7%	15.2%
8	BANKBARODA Bank of Baroda	₹245.55	126,983	6.4	167,087	19,835	19.7%	11.9%	12.0%	2.6%	-3.9%	19.1%	31.2%
9	INDIANB Indian Bank	₹829.85	111,778	8.5	84,489	13,218	21.0%	15.6%	15.2%	8.7%	3.9%	21.1%	13.9%
10	CANBK Canara Bank	₹119.69	108,567	5.3	150,263	20,391	17.4%	13.6%	15.9%	0.3%	12.2%	-2.6%	11.0%
11	FEDERALBNK Federal Bank	₹344.00	84,981	16.3	36,483	5,348	17.7%	14.7%	13.4%	7.0%	5.0%	19.0%	57.7%
12	IDBI IDBI Bank	₹76.56	82,320	9.9	36,439	8,324	19.4%	22.8%	11.5%	4.6%	21.5%	7.3%	-31.1%
13	AUBANK AU Small	₹981.20	73,533	23.3	23,575	3,153	17.7%	13.4%	14.7%	16.0%	25.4%	22.2%	52.9%
14	YESBANK Yes Bank	₹23.40	73,449	17.6	39,277	4,194	11.8%	10.7%	7.9%	0.6%	43.5%	16.3%	63.2%
15	INDUSINDBK IndusInd Bank	₹839.45	65,405	21.8	52,939	3,001	15.0%	5.7%	4.4%	-5.1%	-65.5%	5.9%	384.2%
16	IDFCFIRSTB IDFC First	₹71.37	61,545	20.6	52,314	3,007	13.7%	5.7%	6.1%	11.4%	8.1%	20.3%	201.7%
17	BANKINDIA Bank of India	₹134.45	61,211	5.1	90,419	11,991	15.9%	13.3%	13.3%	6.5%	14.2%	16.4%	25.4%
18	MAHABANK Bank of Maharashtra	₹74.58	57,364	7.2	35,769	8,174	25.8%	22.9%	21.9%	15.6%	26.6%	22.1%	38.4%
19	IOB Indian Overseas	₹29.07	55,979	8.5	40,817	6,662	20.4%	16.3%	18.0%	11.4%	59.6%	13.1%	55.9%
20	RBLBANK RBL Bank	₹345.40	53,616	44.4	19,673	1,205	16.5%	6.1%	2.8%	3.6%	22.5%	21.6%	158.9%
21	KARURVYSYA Karur Vysya	₹339.15	32,785	11.1	13,985	2,958	23.3%	21.2%	21.0%	14.4%	29.3%	10.5%	37.2%
22	UCOBANK UCO Bank	₹24.05	30,158	10.1	31,742	2,982	20.0%	9.4%	8.6%	0.9%	13.2%	10.1%	26.8%
23	CENTRALBK Central Bank	₹30.43	27,543	5.7	44,345	4,822	10.1%	10.9%	11.6%	7.5%	14.9%	14.5%	20.6%
24	BANDHANBNK Bandhan Bank	₹159.10	25,633	13.8	25,014	1,863	17.4%	7.4%	7.1%	-1.8%	-55.4%	9.5%	455.8%
25	J&KBANK Jammu and Kashmir	₹114.95	12,658	5.4	14,942	2,362	10.0%	15.8%	13.5%	3.1%	13.3%	17.3%	11.7%

❓ Frequently asked questions

What was The Jammu & Kashmir Bank Limited's total income in Q2 FY27?

What was The Jammu & Kashmir Bank Limited's net profit in Q2 FY27?