# J&K Bank share price today (Jammu and Kashmir Bank Ltd, NSE: J&KBANK)

> J&K Bank share price today: ₹120.82 at the NSE close on 3 November 2026, up 13.8% in a year. Jammu and Kashmir Bank (NSE: J&KBANK) is worth ₹13,326 crore, trades at a P/BV of 0.8 and has closed between ₹98.46 and ₹192.65 over the past 52 weeks. > Jammu and Kashmir Bank Ltd is reporting record margins. J&KBANK · Banks - Private · data as of 3 November 2026. Page: https://www.sectoralpha.in/stocks/jammu-and-kashmir-bank-ltd

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## Key numbers

- Business trend: Growing steadily, from the last 12 quarters
- Price: ₹120.82 (+13.8% in a year)
- P/BV: 0.8× (higher than 68% of the last 11 years)
- Revenue (Sep 2026): ₹3,729 Cr (+13.2% on a year ago)
- Profit (Sep 2026): ₹553 Cr (+11.7% on a year ago)
- Net margin: 14.8% (−0.2 points on a year ago)
- ROE: 15%, FY26
- ROA: 1.25%, latest

Biggest thing to watch: the net margin is the best this company has ever reported. Every ratio looks better at a record, so the story depends on the net margin staying high. ## What is the J&K Bank share price today? Jammu and Kashmir Bank Ltd's share price was ₹120.82 at the close on 3 November 2026. It has been rising for 35 weeks. That is 11.9% below its average price over the last 200 trading days. Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 14 weeks running. In the last 52 weeks it traded between ₹98 and ₹193, and at that close it sat 24% of the way up from that low. Over the last 11 years the share price moved +86% while the NIFTY 500 moved +249%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 31 July 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What changed at J&K Bank this quarter? Three changes stood out: revenue up on a year earlier for 12 quarters in a row (every quarter we can compare), foreign funds (FIIs) raised their stake for 4 quarters in a row and highest quarterly revenue in 16 quarters. 1. Revenue up on a year earlier for 12 quarters in a row (every quarter we can compare) In the September 2026 quarter revenue was ₹3,729 crore, +13.2% on a year earlier. 2. Foreign funds (FIIs) raised their stake for 4 quarters in a row From 7.9% to 11.6% of the company by the September 2026 quarter. 3. Highest quarterly revenue in 16 quarters Revenue of ₹3,729 crore in the September 2026 quarter is the highest of the last 16 quarters. ## What dividend does J&K Bank pay? J&K Bank paid no dividend in the 12 months to 4 November 2026. The last was a dividend of ₹2.15 a share, ex-date 19 August 2025. ### J&K Bank dividends since 1 April 2021

| Ex-date | Dividend per share | Type |
| --- | --- | --- |
| 19 Aug 2025 | ₹2.15 | Dividend |
| 9 Aug 2024 | ₹2.15 | Dividend |
| 17 Aug 2023 | ₹0.50 | Dividend |

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date. The record date is the same day as the ex-date for every payment here. 3 of 5 Of the last 5 financial years, years with an NSE dividend record

Not in its latest year. Jammu and Kashmir Bank Ltd paid out 0% of its profit as dividends in FY26. It did pay a dividend in 6 of its last 13 reported years, so there is a history but no current dividend. (From the NSE corporate-actions record, read 4 November 2026.)

## What are J&K Bank's latest quarterly results? For July to September 2026 (the quarter ended 30 September 2026), J&K Bank reported total income of ₹3,729 crore, up 13.2% from ₹3,293 crore a year earlier, and a profit of ₹553 crore, up 11.7% from ₹495 crore. ### J&K Bank results: July to September 2026 against a year earlier

| Measure | July to September 2026 | July to September 2025 | Change |
| --- | --- | --- | --- |
| Total income | ₹3,729 crore | ₹3,293 crore | +13.2% |
| Profit | ₹553 crore | ₹495 crore | +11.7% |
| Earnings per share | ₹5.02 | ₹4.49 | +11.8% |
| Net margin | 14.8% | 15.0% | −0.2 points |

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter). J&K Bank's management discussed these results on a call held on 22 October 2026; what it said is further down this page. (From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.)

## What is the J&K Bank share price history? J&K Bank closed at ₹120.82 on 3 November 2026, up 13.8% from ₹106.13 a year earlier (31 October 2025) and up 167.0% over five years. Its highest weekly close since March 2016 was ₹192.65 on 10 July 2026. ### J&K Bank share price: then and now

| When | Close | Change to 3 Nov 2026 |
| --- | --- | --- |
| 1 week ago · 23 Oct 2026 | ₹113.09 | +6.8% |
| 1 month ago · 1 Oct 2026 | ₹139.98 | −13.7% |
| 6 months ago · 30 Apr 2026 | ₹129.02 | −6.4% |
| 1 year ago · 31 Oct 2025 | ₹106.13 | +13.8% |
| 3 years ago · 3 Nov 2023 | ₹106.90 | +13.0% |
| 5 years ago · 4 Nov 2021 | ₹45.25 | +167.0% |
| 10 years ago · 4 Nov 2016 | ₹64.55 | +87.2% |
| Earliest weekly close in our records · 4 Mar 2016 | ₹64.85 | +86.3% |
| Highest weekly close since March 2016, also the 52-week high · 10 Jul 2026 | ₹192.65 | −37.3% |
| Lowest weekly close since March 2016 · 3 Apr 2020 | ₹11.10 | +988.5% |
| 52-week low (weekly close) · 19 Dec 2025 | ₹98.46 | +22.7% |

Weekly closing prices. Each change is the move from that price to the 3 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes. (564 weekly closes from 4 March 2016 to 3 November 2026.)

## What is the latest news on J&K Bank? 3 Nov 2026: J&K Bank closed at ₹120.82, up 6.8% on the week and down 13.7% on the month. 22 Oct 2026: J&K Bank held its results call for July to September 2026. ### Earlier

- Results for July to September 2026: Total income up 13.2% and profit up 11.7% on a year earlier. ## What did J&K Bank management say on the latest results call? On the call for July to September 2026, held on 22 October 2026, J&K Bank's management spoke about the quarter; the main points are below. Source: [the call transcript](https://files.tijorifinance.com/insight/india/4273/Conference Call/CC-Oct26.pdf). (From the call for July to September 2026, 22 October 2026.)

## What is the future of J&K Bank? What is changing in the business? What is changing at J&K Bank, from the latest results and calls: employee cost structural decline, credit growth outperformance (roi diversification) and nim recovery via ridf maturity + j&k retail rebound. - Employee Cost Structural Decline. High-cost retirees (pension NPS migration) replaced at lower cost, FY26 cost fell 11% on a year earlier to ₹2,500 crore; FY27 guided below ₹2,500 crore, perpetuating operating leverage. ⚠ estimate
- Credit Growth Outperformance (ROI Diversification). Advances +16.8% vs system 11.7%; ROI advances +28.8% vs J&K 9.5%; medium-term 50-50 goal reduces single-geography concentration. ⚠ estimate
- NIM Recovery via RIDF Maturity + J&K Retail Rebound. J&K retail personal loan income recovering in 1-1.5 quarters; RIDF ₹3,000 crore/year maturities redeploy into higher-yield credit; CEO signals NIM can reach 4% vs 3.5% guidance. ⚠ estimate
- Asset Quality, GNPA Normalization. GNPA 2.50%, NNPA 0.64%, PCR >90%, zero credit cost, SMA total from 22.33% to 12.07%, sixth consecutive year of improvement. ⚠ estimate

We check 16 kinds of change in every company, such as costs spread over more sales, higher-value products, new orders, new regions or falling debt, against its reported numbers and what management said on its calls. Only changes the numbers back are shown. (Our read after the latest results, written 17 May 2026.)

## What could change the J&K Bank story? What are the risks? FY27 NIM guided 3.5% vs explicit Jan 2026 floor commitment of 3.65%+; CASA cut from 48% to 45%; QIP urgency reversed from patient to urgent within one quarter, all post-hoc not proactive. ### The main risks

- Management Consistency Failures, three cross-call reversals: FY27 NIM guided 3.5% vs explicit Jan 2026 floor commitment of 3.65%+; CASA cut from 48% to 45%; QIP urgency reversed from patient to urgent within one quarter, all post-hoc not proactive. ✓ fact
- NIM Structural Headwind from Deposit Mix Shift: Household savings migrating from bank deposits (40.9% FY21 → 35.2% FY25) to mutual funds; CASA structurally pressured; cost of deposits 4.69%; rate transmission from RBI cuts incomplete. ✓ fact
- J&K Geopolitical and Regional Uncertainty: Core J&K geography (63% of advances) exposed to disturbances, natural calamities, and World Bank growth forecast cut from 7.2% to 6.6%; J&K personal loan income was specifically weak in FY26. ✓ fact

(Our read after the latest results, written 17 May 2026.)

## What to watch in J&K Bank's next results? When J&K Bank reports October to December 2026, these are the 3 checks that show whether the story is still on course. First: April to June 2026 NIM print, if below 3.4%, management NIM narrative has broken. | What to check | Why |
| --- | --- |
| April to June 2026 NIM print, if below 3.4%, management NIM narrative has broken. | Management Consistency Failures, three cross-call reversals |
| CASA ratio, if falls below 43%, deposit cost pressure accelerates. | NIM Structural Headwind from Deposit Mix Shift |
| April to June 2026 J&K segment NIM and slippage ratios. | J&K Geopolitical and Regional Uncertainty |

## Which stock lists is J&K Bank on? J&K Bank is on 2 of our India lists: Small & mid cap stocks and Bank stocks. - [Small & mid cap stocks Size rank in India: 487](https://www.sectoralpha.in/small-cap-stocks-india)
- [Bank stocks Market value (₹ crore): 13112.02619677447](https://www.sectoralpha.in/sectors/bank-stocks-india)

## Is J&K Bank profitable? Jammu and Kashmir Bank Ltd earned ₹553 Cr of net profit in the Sep 2026 quarter, +11.7% on the same quarter a year earlier. Full-year FY26 profit was ₹2,360 Cr. Over 10 years profit has grown 19.0% a year on average. That is 14.8% of the quarter's revenue. The same quarter a year earlier earned ₹495 Cr. For the full year, FY26 profit was ₹2,360 Cr (+13.4% on the year before). Why profit moved: revenue changed +13.2% on a year earlier and the margin moved −0.2 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed +11.8% and revenue +6.7%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit. FY27-Q1. revenue ₹3,547 Cr and profit ₹429 Cr as reported. FY27-Q2. revenue ₹3,729 Cr and profit ₹553 Cr as reported. Why-sources: our stock research file (17 May 2026) and the company’s own results for those quarters. ## How much revenue does J&K Bank make, and is it growing? Jammu and Kashmir Bank Ltd reported ₹3,729 Cr of income in the Sep 2026 quarter, +13.2% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 10 years it has grown 6.7% a year on average. The last full year, FY26, came in at ₹13,151 Cr. Why this happened. Employee cost declined 11% YoY to Rs 2,500 Cr in FY26. Q4 included Rs 153 Cr actuarial reversal on retirement benefit discount change but ex-reversal the underlying structural trajectory remains negative. FY27 guided below Rs 2,500 Cr (~Rs 500 Cr quarterly in first 2 quarters) despite selective talent hiring. Business per employee +17%, net profit per employee +17%. This is the most durable operating leverage lever for the bank in the near term. The last four reported quarters add to ₹13,864 Cr. FY26 revenue was ₹13,151 Cr, +4.9% on the year before. Recent pace: the last four quarters grew +6.7% on average, against 6.7% a year over the longer run, so this year is growing at about the same pace as its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +6.8%, against +7.9% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +13.0%, against +7.9% a year (accelerating). FY27-Q1. revenue ₹3,547 Cr and profit ₹429 Cr as reported. FY27-Q2. revenue ₹3,729 Cr and profit ₹553 Cr as reported. Why-sources: our stock research file (17 May 2026) and the company’s own results for those quarters. ## How much does J&K Bank keep from what it earns? Jammu and Kashmir Bank Ltd's net margin was 14.8% in the Sep 2026 quarter, 0.2 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 13 years it has been between −24.4% and 17.9%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. FY27-Q1. revenue ₹3,547 Cr and profit ₹429 Cr as reported. FY27-Q2. revenue ₹3,729 Cr and profit ₹553 Cr as reported. Why-sources: our stock research file (17 May 2026) and the company’s own results for those quarters. ## How many of J&K Bank's loans have gone bad? Jammu and Kashmir Bank Ltd does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is J&K Bank's loan book growing? Jammu and Kashmir Bank Ltd's revenue was ₹13,151 Cr in FY26, +4.9% on the year before, so the loan book is growing. The latest quarter was +13.2% on a year earlier. The net margin on that income is 14.8%, −0.2 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses. ## What is J&K Bank's P/BV ratio, and how does it compare with its own history? Jammu and Kashmir Bank Ltd's P/BV is 0.8×, in the middle of its own history: higher than 68% of past readings. Its usual P/BV (the middle reading) is 0.6×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +13.8%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +21.7% a year; about +10.8% a year came from book-value growth and about +10.9 percentage points from the multiple (the market paying more); over 10 years the price moved +6.5% a year; about +2.1% a year came from book-value growth and about +4.4 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the J&K Bank business getting better or worse? Jammu and Kashmir Bank Ltd's business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 13.5%. This is based on 12 quarters of 4 measures. Why it matters: steady growth with healthy returns is how a business compounds over time. ## What is the J&K Bank story, and has it been checked? Jammu and Kashmir Bank Ltd's story is not scored yet against the checks our research set on 17 May 2026. Where it sits in its own cycle: LATE CYCLE TO CONTRACTION. Our read, 17 May 2026. From the numbers. Now in MID CONTRACTION. TTM PAT growth 0.47%. Cycle is fully expanded, the GNPA recovery play…

From the price. Price stage 2, week 35, below its 200-day line, relative strength falling. From the research. Where they disagree. Now in MID CONTRACTION. TTM PAT growth 0.47%. What is proven. What is not proven yet. The test written in advance. The test written in advance. The dot is where the company is now; the dashed line is the level that would settle the question; a tinted band is where management says it is heading. Lever 12 · New product launch: building. High-cost retirees (pension NPS migration) replaced at lower cost, FY26 cost fell 11% YoY to Rs 2,500 Cr; FY27 guided below Rs 2,500 Cr, perpetuating operating leverage. What proves it keeps working: Employee Cost Structural Decline. Lever 5 · Regulatory approval: building. Advances +16.8% vs system 11.7%; ROI advances +28.8% vs J&K 9.5%; medium-term 50-50 goal reduces single-geography concentration. What proves it keeps working: Credit Growth Outperformance (ROI Diversification). Lever 7 · Consolidation: building. GNPA 2.50%, NNPA 0.64%, PCR >90%, zero credit cost, SMA total from 22.33% to 12.07%, sixth consecutive year of improvement. What proves it keeps working: Asset Quality, GNPA Normalization. Sources: our stock research file (17 May 2026) · quarterly results through Sep 2026 · the company’s own earnings calls. The story check is re-scored every results season; the record below never changes. ## Did J&K Bank management deliver what it promised? What Jammu and Kashmir Bank Ltd's management promised, against what actually happened: 4 promises on the record. Read straight from the company’s own earnings calls. A promise that slipped stays on this page after it is met. CASA Guidance Was Cut Despite Earlier Commitment to Improve It · 22 October 2026. May 2026 guidance called for CASA at 45%, and July 2026 management expected a substantial improvement by Q3. October 2026 reset the goal to 42% plus and reported a ratio of 41.97%, shifting the narrative from improvement to maintenance without a specific explanation for abandoning the 45% goal. ROA Guidance Is Lower Than the Prior Maintenance Goal · 22 October 2026. In May 2026, management said FY27 ROA would remain at 1.37%, while July 2026 still indicated 1.25% plus. Capital-Raising Plan Changed in Amount and Structure · 22 October 2026. May 2026 described a INR1,250 crore capital raise, while July 2026 said the approved amount was expected to come and that any change would be a revision in quantum. October 2026 specified INR1,000 crore of equity plus INR500 crore of debt, a 20% larger total and a newly disclosed funding mix; although July foreshadowed a possible increase, management gave no rationale for the final structure. Employee Cost Run-Rate Miss · 29 July 2026. Management's May 2026 forecast implied an employee-cost run rate of about INR500 crores or lower for Q1 and Q2, while Jul 2026 reports Q1 employee cost of INR650 crores and calls Q1 the base for the year. The latest call cites the prior-quarter reversal and INR150 crores of pension, gratuity, and leave provisions, but does not reconcile why the previously anticipated run rate was missed or establish whether the higher base is temporary. Every quote above is taken word for word from the company’s own earnings calls. ## What is J&K Bank management's track record? Jammu and Kashmir Bank (J&KBANK) has consistently outperformed its conservative management guidance across FY25 and FY26. For FY26, management initially guided for 12% credit growth but delivered ~17% by Q3/Q4. Asset quality goals were met ahead of schedule; the bank achieved its March 2026 GNPA goal of 3.0% by December 2025. While Net Interest Margins (NIM) saw slight pressure (3.62% actual vs. 3.65-3.7% guidance) due to systemic rate cuts, Return on Assets (ROA) exceeded the 1.2-1.25% guidance, reaching 1.35%. Management's decision to defer a ₹750 crore QIP to H1 FY27 reflects strong internal accruals and capital comfort, further validating operational execution. ### Regulatory and governance record

Jammu and Kashmir Bank Ltd (J&KBANK) exhibits serious regulatory red flags characterized by systemic fraud and recurring penalties. In December 2025, the RBI imposed a ₹99.30 lakh penalty for KYC lapses and failure to escalate customer complaints. Allegations of an organized loan scam involving temple lands also surfaced in late 2025. (Checked 20 April 2026.)

## How much does J&K Bank earn on its equity and assets? Jammu and Kashmir Bank Ltd earned a return on equity of 15% in FY26. Its lowest yearly reading on file was −27% in FY17. On its assets, every ₹100 earned about ₹1.25, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 19.0% a year over 10 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does J&K Bank have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the J&K Bank shareholding pattern? Foreign institutions raised their stake in Jammu and Kashmir Bank Ltd by 5.1 percentage points over 8 quarters, the biggest change among its owners. Foreign institutions now own 11.6% of the company. Domestic institutions moved +1.0 points over the same period, to 7.4%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings. Over the last two years: Foreign institutions: +5.1 points over 8 quarters, to 11.6%; Domestic institutions: +1.0 points over 8 quarters, to 7.4%; Promoters: +0.0 points over 8 quarters, to 59.4%. Why the owners changed: foreign institutions drove it (+5.1 points), together with domestic institutions (+1.0 points). They raised their stake step by step. ## How far is J&K Bank from balance-sheet trouble? For Jammu and Kashmir Bank Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. Why this happened. J&K Bank systematically grew the Rest-of-India book from 37% of advances to drive diversification. Personal loans ROI +13% YoY, car loans +17.5%, agriculture +27.6%, corporate +38.5%. CD ratio reached 72% (guided 70%). RIDF maturities of ~Rs 3,000 Cr annually redeployable into higher-yield credit. Co-lending program started Q4 FY26 with FY27 goal Rs 1,000 Cr and board approval up to Rs 5,000 Cr. ## How does J&K Bank rank in its industry? 39.2 out of 100, rank 16 of 18 in Banks - Private, with 88% of the evidence available. Jammu and Kashmir Bank Ltd scores 39.2 out of 100 against the 18 companies it is compared with in Banks - Private, ranking 16. The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. The four parts add up to the total exactly: 8.3 + 13.4 + 15.8 + 1.7 = 39.2. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is J&K Bank compared with? J&K Bank ranks 16 of 18 Banks - Private companies on the 4-Factor Sector Score, with 39.2 out of 100. 1. [Karur Vysya Bank Ltd](https://www.sectoralpha.in/stocks/karur-vysya-bank-ltd) KARURVYSYA · leader · Most evidence points up · 100% evidence 77.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 27.1/35 · Income 15.4% · Profit 40.6% · 100% evidence Capital efficiency 23.3/25 · ROA 2% · ROE 19.1% · GNPA 0.7% · 100% evidence Valuation 9.4/20 · P/BV 2.24× · P/BV÷ROE 0.12 · 100% evidence Relative strength 18.0/20 · Lead over its industry 15% · Lead over NIFTY 500 24.7% · 1 year 46.5% · 100% evidence · 12 of 12 weeks ahead Exact sum: 27.1 + 23.3 + 9.4 + 18 = 77.8 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 2. [Tamilnad Mercantile Bank Ltd](https://www.sectoralpha.in/stocks/tamilnad-mercantile-bank-ltd) TMB · losing its lead · Most evidence points up · 100% evidence 74.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 25.9/35 · Income 18.8% · Profit 30% · 100% evidence Capital efficiency 22.7/25 · ROA 2.1% · ROE 14% · GNPA 0.6% · 100% evidence Valuation 12.7/20 · P/BV 1.18× · P/BV÷ROE 0.08 · 100% evidence Relative strength 12.8/20 · Lead over its industry 11.2% · Lead over NIFTY 500 19.7% · 1 year 60.5% · 100% evidence · 11 of 12 weeks ahead Exact sum: 25.9 + 22.7 + 12.7 + 12.8 = 74.1 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 3. [South Indian Bank Ltd](https://www.sectoralpha.in/stocks/south-indian-bank-ltd) SOUTHBANK · breaking out · Most evidence points up · 93% evidence 65.0 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 19.0/35 · Income 10.4% · Profit 16.7% · 100% evidence Capital efficiency 13.3/25 · ROA 1.1% · ROE 13.5% · GNPA n/a · 72% evidence Valuation 12.9/20 · P/BV 1.2× · P/BV÷ROE 0.09 · 100% evidence Relative strength 19.8/20 · Lead over its industry 25% · Lead over NIFTY 500 35.6% · 1 year 51.5% · 100% evidence · 10 of 12 weeks ahead Exact sum: 19 + 13.3 + 12.9 + 19.8 = 65 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 4. [City Union Bank Ltd](https://www.sectoralpha.in/stocks/city-union-bank-ltd) CUB · leader · Evidence leans up · 100% evidence 62.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 21.7/35 · Income 22.6% · Profit 23.3% · 100% evidence Capital efficiency 16.8/25 · ROA 1.4% · ROE 13.2% · GNPA 1.4% · 100% evidence Valuation 11.1/20 · P/BV 1.89× · P/BV÷ROE 0.14 · 100% evidence Relative strength 12.9/20 · Lead over its industry -0.7% · Lead over NIFTY 500 8.2% · 1 year 24.9% · 100% evidence · 11 of 12 weeks ahead Exact sum: 21.7 + 16.8 + 11.1 + 12.9 = 62.5 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 5. [Karnataka Bank Ltd](https://www.sectoralpha.in/stocks/karnataka-bank-ltd) KTKBANK · leader · Evidence leans up · 100% evidence 62.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 20.9/35 · Income 4.7% · Profit 35.4% · 100% evidence Capital efficiency 11.7/25 · ROA 1.1% · ROE 10.4% · GNPA 2.3% · 100% evidence Valuation 14.0/20 · P/BV 0.81× · P/BV÷ROE 0.08 · 100% evidence Relative strength 15.8/20 · Lead over its industry 14.9% · Lead over NIFTY 500 23.3% · 1 year 67.3% · 100% evidence · 12 of 12 weeks ahead Exact sum: 20.9 + 11.7 + 14 + 15.8 = 62.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Dhanlaxmi Bank Ltd](https://www.sectoralpha.in/stocks/dhanlaxmi-bank-ltd) DHANBANK · turning · Evidence leans up · 100% evidence 60.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 30.9/35 · Income 23.1% · Profit 67.9% · 100% evidence Capital efficiency 7.3/25 · ROA 0.5% · ROE 7.2% · GNPA 1.8% · 100% evidence Valuation 7.8/20 · P/BV 0.8× · P/BV÷ROE 0.11 · 100% evidence Relative strength 14.8/20 · Lead over its industry 5.2% · Lead over NIFTY 500 13.8% · 1 year 18.1% · 100% evidence · 3 of 12 weeks ahead Exact sum: 30.9 + 7.3 + 7.8 + 14.8 = 60.8 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 7. [DCB Bank Ltd](https://www.sectoralpha.in/stocks/dcb-bank-ltd) DCBBANK · breaking out · Evidence leans up · 100% evidence 60.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 21.5/35 · Income 10.7% · Profit 25.6% · 100% evidence Capital efficiency 11.1/25 · ROA 0.9% · ROE 12% · GNPA 2.3% · 100% evidence Valuation 16.9/20 · P/BV 0.9× · P/BV÷ROE 0.07 · 100% evidence Relative strength 11.0/20 · Lead over its industry -0.9% · Lead over NIFTY 500 7.8% · 1 year 21.9% · 100% evidence · 11 of 12 weeks ahead Exact sum: 21.5 + 11.1 + 16.9 + 11 = 60.5 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 8. [ICICI Bank Ltd](https://www.sectoralpha.in/stocks/icici-bank-ltd) ICICIBANK · turning · Evidence leans up · 79% evidence 53.6 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 11.2/35 · Income 7% · Profit 10.3% · 62% evidence Capital efficiency 19.8/25 · ROA 2.1% · ROE 15.9% · GNPA n/a · 68% evidence Valuation 9.2/20 · P/BV 2.59× · P/BV÷ROE 0.16 · 100% evidence Relative strength 13.4/20 · Lead over its industry -0.8% · Lead over NIFTY 500 8.3% · 1 year 3.9% · 100% evidence · 6 of 12 weeks ahead Exact sum: 11.2 + 19.8 + 9.2 + 13.4 = 53.6 · What this means: Relative strength against the index is 8.3%, and revenue and profit growth are weak. 9. [IDFC First Bank Ltd](https://www.sectoralpha.in/stocks/idfc-first-bank-ltd) IDFCFIRSTB · quiet · Evidence leans up · 73% evidence 52.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 30.4/35 · Income 14.6% · Profit 100% · 86% evidence Capital efficiency 9.5/25 · ROA 1.1% · ROE 3.8% · GNPA n/a · 72% evidence Valuation 3.7/20 · P/BV 1.26× · P/BV÷ROE 0.34 · 100% evidence Relative strength 8.8/20 · Lead over its industry n/a · Lead over NIFTY 500 -2.9% · 1 year -12.1% · 25% evidence · 8 of 12 weeks ahead Exact sum: 30.4 + 9.5 + 3.7 + 8.8 = 52.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 10. [Kotak Mahindra Bank Ltd](https://www.sectoralpha.in/stocks/kotak-mahindra-bank-ltd) KOTAKBANK · breaking out · Evidence leans up · 93% evidence 51.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 11.3/35 · Income 8.4% · Profit 15.6% · 100% evidence Capital efficiency 15.9/25 · ROA 1.9% · ROE 11.4% · GNPA n/a · 72% evidence Valuation 7.3/20 · P/BV 2.36× · P/BV÷ROE 0.21 · 100% evidence Relative strength 17.4/20 · Lead over its industry 9.1% · Lead over NIFTY 500 19.3% · 1 year 9.8% · 100% evidence · 9 of 12 weeks ahead Exact sum: 11.3 + 15.9 + 7.3 + 17.4 = 51.9 · What this means: Relative strength against the index is 19.3%, and revenue and profit growth are weak. 11. [Axis Bank Ltd](https://www.sectoralpha.in/stocks/axis-bank-ltd) AXISBANK · turning · Evidence leans up · 93% evidence 51.5 out of 100 Growth Capital Valuation Relative
12. [Federal Bank Ltd](https://www.sectoralpha.in/stocks/federal-bank-ltd) FEDERALBNK · turning · Evidence leans up · 84% evidence 51.3 out of 100 Growth Capital Valuation Relative
13. [HDFC Bank Ltd](https://www.sectoralpha.in/stocks/hdfc-bank-ltd) HDFCBANK · turning · Evidence leans down · 84% evidence 47.0 out of 100 Growth Capital Valuation Relative
14. [RBL Bank Ltd](https://www.sectoralpha.in/stocks/rbl-bank-ltd) RBLBANK · losing its lead · Evidence leans down · 88% evidence 42.9 out of 100 Growth Capital Valuation Relative
15. [Bandhan Bank Ltd](https://www.sectoralpha.in/stocks/bandhan-bank-ltd) BANDHANBNK · quiet · Evidence leans down · 100% evidence 40.1 out of 100 Growth Capital Valuation Relative
16. Jammu and Kashmir Bank Ltd this page J&KBANK · quiet · Evidence leans down · 88% evidence 39.2 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 8.3/35 · Income 6.8% · Profit 13% · 86% evidence Capital efficiency 13.4/25 · ROA 0.9% · ROE 15.4% · GNPA n/a · 72% evidence Valuation 15.8/20 · P/BV 0.74× · P/BV÷ROE 0.05 · 100% evidence Relative strength 1.7/20 · Lead over its industry -12.5% · Lead over NIFTY 500 -5.5% · 1 year 10.4% · 100% evidence · 1 of 12 weeks ahead Exact sum: 8.3 + 13.4 + 15.8 + 1.7 = 39.2 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 17. [Yes Bank Ltd](https://www.sectoralpha.in/stocks/yes-bank-ltd) YESBANK · quiet · Evidence leans down · 100% evidence 38.5 out of 100 Growth Capital Valuation Relative
18. [IndusInd Bank Ltd](https://www.sectoralpha.in/stocks/indusind-bank-ltd) INDUSINDBK · quiet · Most evidence points down · 89% evidence 28.7 out of 100 Growth Capital Valuation Relative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led NIFTY 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Banks - Private](https://www.sectoralpha.in/sectors/banks-private), all 18 compared on one page. ## Which companies are close to J&K Bank in size? J&K Bank is the 14th largest of 18 Banks - Private companies on Sector Alpha by market value (scores of 30 October 2026). Just above it: Bandhan Bank, City Union Bank and South Indian Bank. Just below it: Tamilnad Mercantile Bank, Karnataka Bank and DCB Bank. ### Banks - Private companies close in size

1. [Bandhan Bank Ltd](https://www.sectoralpha.in/stocks/bandhan-bank-ltd) ₹24,865 crore
2. [City Union Bank Ltd](https://www.sectoralpha.in/stocks/city-union-bank-ltd) ₹21,223 crore
3. [South Indian Bank Ltd](https://www.sectoralpha.in/stocks/south-indian-bank-ltd) ₹14,536 crore
4. Jammu and Kashmir Bank Ltd ₹12,905 crore
5. [Tamilnad Mercantile Bank Ltd](https://www.sectoralpha.in/stocks/tamilnad-mercantile-bank-ltd) ₹12,689 crore
6. [Karnataka Bank Ltd](https://www.sectoralpha.in/stocks/karnataka-bank-ltd) ₹11,284 crore
7. [DCB Bank Ltd](https://www.sectoralpha.in/stocks/dcb-bank-ltd) ₹6,206 crore

[All 18 Banks - Private companies, largest first](https://www.sectoralpha.in/sectors/banks-private#all-companies)

### Companies close in size in other industries

1. [Godawari Power & Ispat Ltd](https://www.sectoralpha.in/stocks/godawari-power-ispat-ltd) ₹12,987 crore · Mining/Minerals - Iron Ore
2. [Vedanta Power Ltd](https://www.sectoralpha.in/stocks/vedanta-power-ltd) ₹12,955 crore
3. Jammu and Kashmir Bank Ltd ₹12,905 crore
4. [Lloyds Engineering Works Ltd](https://www.sectoralpha.in/stocks/lloyds-engineering-works-ltd) ₹12,892 crore · Capital Goods - Electrical Equipment
5. [Supreme Petrochem Ltd](https://www.sectoralpha.in/stocks/supreme-petrochem-ltd) ₹12,755 crore · Petrochem - Polymers

## What else do people ask about J&K Bank? ### What is J&K Bank's share price today? Jammu and Kashmir Bank Ltd's share price is ₹120.82, +13.8% over the past year. The whole company is worth ₹13,326 Cr on the market. In the last 52 weeks it traded between ₹98 to ₹193; today it is 24% of the way up from the low, 11.9% below its 200-day average (as of 3 November 2026). ### What were J&K Bank's latest quarterly results? Jammu and Kashmir Bank Ltd reported total income of ₹3,729 Cr and net profit of ₹553 Cr for the Sep 2026 quarter. Income rose 13.2% and profit rose 11.7% compared with a year earlier. Earnings per share were ₹5.02 (as of 3 November 2026). ### What is J&K Bank's market cap? Jammu and Kashmir Bank Ltd's market capitalisation is ₹13,326 Cr at a share price of ₹120.82. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is J&K Bank performing? Jammu and Kashmir Bank Ltd's share price has been rising for 35 weeks. In its latest quarter, income rose 13.2% and profit rose 11.7% compared with a year earlier. Over the past 13 weeks it has done worse than the NIFTY 500, for 14 weeks running (as of 3 November 2026). ### Will J&K Bank's share price go up? This page does not forecast Jammu and Kashmir Bank Ltd's share price. What it shows instead: the share price is ₹120.82, and it has been rising for 35 weeks. Its P/BV of 0.8× is higher than 68% of its own last 11 years (as of 3 November 2026). ### Who owns J&K Bank? Promoters own 59.4% of Jammu and Kashmir Bank Ltd, foreign institutions 11.6%, domestic institutions 7.4% and the public 21.6% (latest quarter). The biggest change over the last two years: Foreign institutions raised their stake by 5.1 percentage points over 8 quarters (as of 3 November 2026). ### Where is J&K Bank in its business cycle? Jammu and Kashmir Bank Ltd's FY26 net margin was 17.9%, against a 13-year range of −24.4% to 17.9%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 14.8%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the J&K Bank story? Biggest thing to watch: the net margin is the best this company has ever reported. Every ratio looks better at a record, so the story depends on the net margin staying high. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is J&K Bank a stock worth studying right now? What the numbers show: Jammu and Kashmir Bank Ltd is reporting record margins. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). ### Is there a J&K Bank share price forecast for 2026? What is changing at J&K Bank, from the latest results and calls: employee cost structural decline, credit growth outperformance (roi diversification) and nim recovery via ridf maturity + j&k retail rebound. What would change the story: FY27 NIM guided 3.5% vs explicit Jan 2026 floor commitment of 3.65%+; CASA cut from 48% to 45%; QIP urgency reversed from patient to urgent within one quarter, all post-hoc not proactive. ### Where does this page get J&K Bank's management information? From J&K Bank's results calls, its filings and public records on governance, each dated on the page. Management’s plans are shown as plans, never as results. ## Lists

- Small & mid cap stocks: https://www.sectoralpha.in/small-cap-stocks-india
- Bank stocks: https://www.sectoralpha.in/sectors/bank-stocks-india

This is research, not advice. We’re not SEBI-registered.