Flash Finance

The Jammu & Kashmir Bank LimitedJ&KBANKBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹134.33
MCap ₹14,792 Cr · P/E 6.4
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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.
₹3,547 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 ₹134.33, J&KBANK has a market capitalisation of ₹14,792 crore and a trailing P/E of about 6.4.

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 ?
₹14,792 Cr
Current Price ?
₹134.3
P/E ?
6.42below ind
Industry P/E ?
10.70
P/B ?
0.90
P/S ?
1.03
P/FCF ?
-9.27
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.25
Earnings Yield ?
15.6%
Dividend Yield ?
1.59%
Profitability & Returns
Total Income (TTM) ?
₹14,345 Cr
OPM ?
N/A
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 ?
-26.5%
Return 6 months ?
2.3%

🗓️ 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 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 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 2,65,9682,61,9782,54,2192,40,5392,16,319 -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% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
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 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
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 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
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 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
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 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
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 11.0 13,985 2,958 23.3% 21.2% 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% 0.9% 13.2% 10.1% 26.8%
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 ₹134.33, J&KBANK has a market capitalisation of ₹14,792 crore and a trailing P/E of about 6.4.
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 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.
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.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI