Jammu & Kashmir Bank Ltd.
NSE: J&KBANKJammu & Kashmir Bank Ltd.: A 30-second snapshot
J&K Bank trades at ₹154.63, up 44.31% over the past 12 months but 23.36% below its 52-week high and below its 50-DMA (₹161.18) after Q1 FY27 profit fell and provisions rose, triggering a reported 13% single-day decline on July 29, 2026. Its PE of 7.22 is the lowest among the five listed peers and ROE of 15.37% ranks 2nd of 6, though historical earnings persistence is weak (consistency score 28/100, ROE above 15% in 0 of the tracked years). A Jammu & Kashmir High Court ruling in mid-2026 kept a Rs 227 crore loan-fraud chargesheet against former executives in active judicial proceedings.
P/E
7.2
Forward P/E
6.6
ROE
+15.4%
Debt / Equity
—
Profit Margin
+34.7%
Div. Yield
+1.2%
5Y ROE > 15%
0/5
5Y FCF > 0
1/5
Quality
52/100
News
8 headlines · 2 positive · 3 negative
J&K Bank Shares Slump 13% As Q1 Profit Slides, Provisions Rise - ndtvprofit.com
ndtvprofit.com
J&K Bank to sell 0.5% stake in PNB MetLife for ₹120 crore - CNBC TV18
CNBC TV18
J&K Bank hits ₹3 lakh crore business mark on 16% deposit growth - thehindubusinessline.com
thehindubusinessline.com
HC declines to quash chargesheets in Rs 227 Cr J&K Bank loan fraud case - Greater Kashmir
Greater Kashmir
J&K Bank plans to sell 0.5% stake in PNB MetLife for ₹120.1 crore - Business Standard
Business Standard
Recent context
- ·Shares fell 13% after Q1 FY27 profit declined and provisions rose (ndtvprofit.com, July 29, 2026).
- ·The bank disclosed plans to sell a 0.5% stake in PNB MetLife for ₹120 crore, reported by CNBC TV18 (July 14, 2026) and Business Standard (July 15, 2026).
- ·The J&K High Court declined to quash chargesheets in the Rs 227 crore loan-fraud case tied to former management (Greater Kashmir, July 1, 2026); separately, the bank reported crossing ₹3 lakh crore in total business on 16% deposit growth (thehindubusinessline.com, July 2, 2026).
Strengths
- +PE of 7.22 (forward PE 6.64) ranks 1st of 6 in the peer set, below AXISBANK (13.91), HDFCBANK (16.70), BAJFINANCE (34.56), BAJAJFINSV (31.59), and HDFCLIFE (60.78).
- +ROE of 15.37% ranks 2nd of 6 peers and profit margin stands at 34.68%.
- +Price is up 44.31% over the trailing 12 months and 17.46% over the trailing 3 months, and remains above its 200-DMA (₹124.19).
- +The bank reported crossing ₹3 lakh crore in total business on 16% deposit growth (thehindubusinessline.com, July 2, 2026), and disclosed a 0.5% stake sale in PNB MetLife for ₹120 crore in July 2026.
Weaknesses
- −The J&K High Court declined to quash chargesheets in a Rs 227 crore loan-fraud case against former executives, leaving the matter in active judicial proceedings (Greater Kashmir, July 1, 2026).
- −Q1 FY27 profit declined with provisions rising, and shares fell 13% in a single session on the results (ndtvprofit.com, July 29, 2026).
- −Earnings-quality persistence is weak: consistency score of 28/100, FCF positive in only 1 of the tracked years, ROE above 15% in 0 of the tracked years despite the current 15.37% reading, and a rising debt trend with no debt-to-equity figure disclosed.
- −The stock trades below its 50-DMA (₹161.18) and is 23.36% below its 52-week high, with RSI at 38.92 (neutral); analyst coverage is limited to a single analyst with no rating value disclosed.
Open questions
- ?Does the rising debt trend alongside an undisclosed debt-to-equity ratio reflect a specific balance-sheet shift, and how does it compare with peer banks' leverage disclosures?
- ?What is the current status and expected timeline of the Rs 227 crore loan-fraud chargesheet proceedings, and could the outcome affect governance or provisioning going forward?
- ?Given a consistency score of 28/100 and zero historical years of ROE above 15%, what changed operationally to produce the current 15.37% ROE reading, and is it sustainable across a full credit cycle?
- ?How does the drop in Q1 profit and the rise in provisions compare with peer banks' asset-quality trends over the same period?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| J&KBANK | Jammu & Kashmir Bank Ltd.You're viewing | 7.2 | +15.4% | 65 |
| Industry avg | across 5 peers | 31.5 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.7 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 34.6 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 60.8 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 31.6 | +14.6% | 23 |
Technical state
Current price
₹154.63
SMA 50
₹161.18
SMA 200
₹124.19
RSI (14)
38.9 (neutral)
From 52w high
-23.4%
1Y return
+44.3%
3M return
+17.5%
50-DMA
Below
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highThe Jammu & Kashmir High Court declined to quash chargesheets in the Rs 227 crore loan-fraud case involving former bank executives, leaving an active judicial proceeding tied to prior management (Greater Kashmir, July 1, 2026).
- mediumQ1 FY27 profit declined with provisions rising, and the stock fell 13% in a single session on the results (ndtvprofit.com, July 29, 2026).
- mediumEarnings-quality persistence is weak: the consistency score is 28/100, free cash flow was positive in only 1 of the tracked years, and ROE exceeded 15% in 0 of the tracked years despite the current 15.37% reading; the debt trend is classified as rising with no debt-to-equity ratio disclosed.
- lowAnalyst coverage is limited to a single analyst with no rating value disclosed, and the peer set mixes pure banks (AXISBANK, HDFCBANK) with NBFCs (BAJFINANCE, BAJAJFINSV) and an insurer (HDFCLIFE), limiting the precision of both external validation and cross-sector PE comparison.
Cross-section contradictions
- Earnings-quality persistence metrics are weak (consistency score 28/100, ROE above 15% in 0 of tracked years, FCF positive in only 1 year), yet the stock is up 44.31% over 12 months and 17.46% over 3 months and remains above its 200-DMA (₹124.19).
- PE of 7.22 ranks lowest (1st of 6) and ROE of 15.37% ranks 2nd of 6 among listed peers, a valuation and profitability profile that sits alongside an active Rs 227 crore fraud-related court case and single-analyst coverage — factors not directly captured by the peer-relative valuation metrics.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 30 Jul 2026 · rotates through NIFTY 500 every ~5 days