J & K Bank (J&KBANK)
StalwartFairStock Score: 72/100 — STEADY
Score breakdown: P/E: 3/3 · ROCE: 0/2 · Growth: 1/2 · Dividend: 0/1
Key Financials
| Current Price | ₹155.48 |
| Market Cap | ₹17,121.18 Cr |
| P/E Ratio | 7.44 |
| ROCE | 6.15% |
| ROE | 14.61% |
| Dividend Yield | 1.38% |
| Profit Growth | 0.45% |
| Debt/Equity | 10.62 |
| Sales Growth | 6.97% |
| Free Cash Flow | ₹2,621 Cr |
| Promoter Holding | 59.4% |
| 52-Week Range | ₹97.35 — ₹202 |
| Sector | Banks |
| Book Value | ₹149.8 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
Plainly, J&K Bank is not the kind of business I normally love—banking is commoditised, leverage-heavy, and the numbers must be read with accounting goggles. But the scoreboard here is hard to ignore: a 6.24 P/E and a 0.99 P/B against a book value of ₹129.03 and an ROE of 15.08%. That means I am buying a rupee of book value at roughly a rupee, and the earnings yield is about 16%. Benjamin Graham would ask whether the asset is solid; the Piotroski score of 8/9 and free cash flow of ₹2,621 Cr suggest the financial position is not a house of cards. The Graham Number says fair value is near ₹245.20, giving me around a 50% margin of safety. Promoter holding of 59.40% gives the franchise a stable controlling hand, and the dividend yield of 1.77% adds a small cushion.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer