Close 10 Sep 1505 scanned A
NIFTY 5023,477.80+0.20%
BANK NIFTY56,471.95+0.31%
INDIA VIX11.80-1.05%
MIDCAP 15022,904.25-0.38%
SMALLCAP 25018,433.40+0.01%
NEXT 5072,530.90-0.44%
BREADTH61%above 200-DMA
ADV / DEC558 / 939
NSE close 10 Sep

J&KBANK

Jammu & Kashmir Bank
Financial ServicesMid capRs 16,054 crRs 20.9 cr traded a day
Close on 10 September 2026
145.77
−0.03%
52-week range50% of the way up
98.09192.65
Market cap
16,054 cr
P/E (TTM)
7.0×
industry 18×
EPS (TTM)
20.95
Revenue YoY
+6.9%
Q1 FY27
Profit YoY
-12.5%
Net margin
11.3%
-2.5pt vs a year ago
Growth trend
+9.2pt
vs last quarter’s YoY
1 month
-7.4%
Below 52w high
32.2%
RSI (14)
44
Daily swing
2.6%
average true range
Volume
0.6×
vs 20-day average
Traded
Rs 21 cr
median day
Close200-day averageMaterial filing
100150200Sep 25Nov 25Jan 26Mar 26May 26Jul 26Sep 26
260 sessions · hover for the filing behind a move

Key metrics

each ranked against every stock scanned tonight
Above the 200-day average
Around the median
+10.9%
One-year return
Above the median
+39.8%
Return on capital employed
n/a
Debt to equity
n/a
Profitable quarters, last four
of the last four reported
4 of 4
Cash conversion
cash from operations against reported profit
n/a
Revenue growth, year on year
latest reported quarter
+6.9%
Below the 52-week high
from the highest close of the year
-24.3%
1 week
−2.73%
1 month
−7.44%
3 months
−8.84%
6 months
+18.02%
1 year
+39.79%

The read

written from the numbers on this page
The evidence leans constructive6 supporting, 1 against, 1 worth knowing

Supporting

  • trading 11% above its 200-day average
  • up 40% over twelve months
  • matches long tail above — rejected higher, which has beaten the market by +0.34 points over 20 sessions across 16,692 past signals
  • 3 independent kinds of evidence agree today, which is uncommon
  • revenue grew 7% year on year in the quarter ending 30 June 2026
  • priced at 7× earnings against an industry median of 18× — 62% below its peers

Against

  • net margin has narrowed from 14.3% to 11.3% across four quarters

Worth knowing

  • the 50-day and 200-day averages disagree, which usually means a turn in progress rather than a trend to lean on
What would change this read: a close below 131, its 200-day average.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.

What is working, what is not

from the filings and from the price, with the figure behind every line
Working4

Revenue rose 6.9% year on year, from Rs 3,523 cr to Rs 3,765 cr.

+6.9%Rs 3,523 crRs 3,765 cr

Trading 10.9% above its 200-day average, which is the line most investors use to separate a bull phase from a bear one.

+10.9%

Up 39.8% over the past year.

+39.8%

3 different kinds of evidence point at it tonight, not 3 versions of the same one.

3 families
Needs watching4

Net margin moved from 13.8% to 11.3%.

13.8%11.3%

Profit grew slower than revenue, at -12.5% versus +6.9%.

-12.5%+6.9%

Net profit -12.5% year on year, Rs 486 cr to Rs 425 cr.

-12.5%Rs 486 crRs 425 cr

Down over three months despite being up on the year.

-8.8% 3M+39.8% 1Y
Every figure here is computed — from the company’s own filings, or from its own closing prices. Wording of 3 of these 4 filing lines was drafted by a language model, which is given the figures and may not introduce another — any sentence containing a number that did not come from the filings is discarded before it reaches this page.

How it has performed

price return over each window, beside the median NSE stock over the same days
this stockmedian NSE stock, same window-2.7%-1.9 pt vs market1W-7.4%-6.4 pt vs market1M-8.8%-11.5 pt vs market3M+18.0%+1.4 pt vs market6M+39.8%+43.0 pt vs market1Y

What the scans say today

4 of 47 matched on 10 Sep
J&KBANK matches 4 of the 47 scans today, across 3 different kinds of evidence. Three or more independent families agreeing is uncommon — it is the same test the shortlist on every page uses.

Valuation against its own history

500 sessions since 26 September 2024
median 5×
now 7×
J&KBANK trades at trailing earnings, above its median of 5× over this window — 27% more expensive than usual. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.

Recent filings

from the exchange, newest first
08-31
17:57
Other filing
1 day+0.35 days+0.620 days
08-30
10:50
AGM / EGM
1 day-1.15 days+0.520 days
08-20
15:20
Credit rating
1 day-0.65 days+1.820 days
08-19
19:53
AGM / EGM
1 day-0.65 days+1.820 days
Other filing filings were typically +0.01pt vs the market over the next 5 sessions (n=17,202) · AGM / EGM filings were typically +0.17pt vs the market over the next 5 sessions (n=8,423) · Management filings were typically +0.06pt vs the market over the next 5 sessions (n=2,634)

The business

from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
3.6k3.5k3.5k3.6k3.5k3.8k16.2%13.8%14.3%16.3%22.6%11.3%Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.

Going for it

  • revenue grew 7% against the same quarter a year earlier

Going against it

  • profit dropped 12% year on year
  • net margin narrowed from 22.6% to 11.3%
Quarter-by-quarter numbers, as filed
QuarterRevenueProfit before taxNet profitEPSNet margin
Q1 FY27
30 Jun · consolidated
3,7656214253.8911.3%
Q4 FY26
31 Mar · consolidated
3,5368627997.2522.6%
Q3 FY26
31 Dec · consolidated
3,5978075885.2816.3%
Q2 FY26
30 Sep · consolidated
3,4506354954.4914.3%
Q1 FY26
30 Jun · consolidated
3,5236594864.4013.8%
Q4 FY25
31 Mar · consolidated
3,6198105855.2816.2%
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.

Where the price stands

the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average-9.2%
Versus 200-day average+10.9%
Below 52-week high-24.3%
Above 52-week low+48.6%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)43.8
Higher closes in last 51 of 5
Six-month return+18.02%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)2.56%
Volume versus 20-day0.6x
Median daily turnoverRs 20.9 cr

Peers

Financial Services · 119 classified companies
J&KBANK trades at 7.0× trailing earnings against an industry median of 18.2× across 101 other classified companies in its industry — cheaper than them, by 62%. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.
CompanyMarket cap (Rs cr)P/E1 month1 yearTurnover (Rs cr)
HDFCBANK1,068,54213.2−4.83%−28.04%1,536.7
ICICIBANK993,33716.7−3.30%−1.21%1,214.8
SBIN932,01410.9−6.68%+18.06%709.5
BAJFINANCE649,15131.4−4.63%+3.68%467.7
KOTAKBANK414,33020.2+6.67%+3.02%407.8
AXISBANK387,60613.9+1.30%+8.88%517.2
SHRIRAMFIN244,23119.9−7.09%+65.33%348.3
CHOLAFIN158,56327.6−3.06%+14.05%156.1
TATACAP153,144−1.06%34.4
JIOFIN152,03773.6−10.08%−26.64%236.2
UNIONBANK136,7946.7−4.17%+29.10%153.1
J&KBANK16,0547.0−7.44%+39.79%20.9
largest twelve by market capitalisation. Market cap and P/E need filed financials, so blanks are companies whose filings have not been read yet