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J & K Bank share price & results

J & K Bank· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Private-sector bank headquartered in Srinagar, market leader in banking business across J&K and Ladakh.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue3,727 ₹ crore+13.2% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit546 ₹ crore+10.5% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity13.46 %−0.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)6.77 %−7.0 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

6 of 9 judged targets kept · 10 open · verdicts reflect calls analysed to Q1 FY27.

J & K Bank management guidance track record on Inve: 19 targets tracked across analysed earnings calls (6 achieved, 3 missed, 10 open).

TargetOriginal wordingSaidLatest callVerdict
Gross NPAbelow 3%
Call transcript, Q1 FY26 · 28 Jul 2025		Q1 FY26Q1 FY27:Promise for FY26 concluded as achieved. The metric has further improved to 2.37% in Q1 FY27, demonstrating continued strength in asset quality.
Call transcript, Q1 FY27 · 29 Jul 2026		Achieved
CASA Ratio48%
Call transcript, Q1 FY26 · 28 Jul 2025		Q1 FY26Q1 FY27:Promise for FY26 concluded. The CASA ratio continued its decline to 42.06% in Q1 FY27, indicating the revised target of 45% for FY26 was missed.
Call transcript, Q1 FY27 · 29 Jul 2026		Missed
Credit-to-Deposit Ratio76% to 77%
Call transcript, Q3 FY26 · 20 Jan 2026		Q3 FY26Q1 FY27:Advances growth (25.44% YoY) significantly outpaced deposit growth (16.75% YoY), indicating the CD ratio is moving towards the medium-term target of 76-77%.
Call transcript, Q1 FY27 · 29 Jul 2026		On Track

Source: Inve Guidance Tracker for J & K Bank · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of J & K Bank's 19 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 16 more targets are in the full ledger.

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Price

₹117.02 +3.48% · +₹3.93

Last close 26 Oct 2026 · NSE · INR · Source: Inve

Performance +10.8% 1Y

₹100₹120₹140₹160₹180Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 24 Oct 2025Q3 FY26 — 20 Jan 2026Q1 FY27 — 29 Jul 2026

1Y: ₹105.66 on 24 Oct 2025 → ₹117.02. High ₹186.93 (21 Jul 2026), low ₹98.09 (29 Dec 2025).

Previous close
₹113.09
Market cap
₹12.9k Cr
52-week range
₹98.09 – ₹186.93
One year
+8.72%
Price to earnings (TTM to Sept 2026)
5.46×
Return on equity (TTM to Sept 2026)
13.46%

Overview

Symbol
NSE:J&KBANK
Exchange
NSE
Currency
INR

What J & K Bank does

Based on the company's own presentations, annual report and earnings calls.

Jammu and Kashmir Bank is a private-sector scheduled commercial bank that takes deposits and extends loans through a branch and ATM network concentrated in the Union Territories of J&K and Ladakh, with a growing presence across the rest of India. It is the RBI-designated Agency Bank for government banking business in J&K and Ladakh and the sole private-sector bank acting as Convenor Bank for the state/UT-level bankers' committees (UTLBC/SLBC) in the region. The Bank also sponsors Jammu and Kashmir Grameen Bank, a regional rural bank, and distributes life and general insurance products under bancassurance tie-ups. Its wholly owned subsidiary, JKB Financial Services Limited, extends its financial-services footprint beyond core banking.

Branch network
1,017 branches across 22 states & UTs (841 in J&K, 37 in Ladakh, 139 in the rest of India)
ATM network
1,437 ATMs
Market position in J&K and Ladakh
Market leader by banking business in both Union Territories
Wholly owned subsidiary
JKB Financial Services Limited
Regional Rural Bank sponsorship
Sponsor bank of Jammu and Kashmir Grameen Bank — only private-sector bank sponsoring an RRB
RBI Agency Bank status
Designated Agency Bank for RBI government banking business in the UTs of J&K and Ladakh
Founded 1938Headquarters Srinagar, Jammu and Kashmir, India Company website

How the price took the results

close before → close after

Q1 FY27
−12.8%
29 Jul
Q3 FY26
−3.8%
20 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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