Jammu and Kashmir Bank Limited
Valuation (94/100) does the heavy lifting; momentum (58/100) is the drag.
Buy zoneStocksWizard rates Jammu and Kashmir Bank Limited a Strong Buy, scoring 79/100 on our blended model. On 8.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 19% below its 52-week high of ₹192.65 and 59% above the low of ₹98.09. Financial health scores 86/100, with a Piotroski F-score of 3/9. The average analyst target of ₹198 implies about 27% upside across 1 analysts. It clears 5 of 8 investability checks, with durability 78, valuation 87 and momentum 58 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹249.6. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-19.02% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy79Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 15.4%
- No data: Low debt (D/E < 0.5)
- Fail: Positive free cash flow
- No data: Revenue growth > 10%
- No data: Earnings growing
- Pass: Net margin ≥ 10%: 34.7%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter64.1%
- Institutions10.4%
- Public & other25.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (34.7%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Weak Piotroski score (3/9).
About Jammu and Kashmir Bank Limited
Jammu and Kashmir Bank Limited operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. The bank provides savings, current, salary, pension, and NRE and NRO accounts, along with term deposits.
Jammu and Kashmir Bank Limited — frequently asked questions
Is Jammu and Kashmir Bank Limited a buy, hold or sell?
StocksWizard currently rates Jammu and Kashmir Bank Limited (J&KBANK) a Strong Buy, based on a blended score of 79/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Jammu and Kashmir Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates Jammu and Kashmir Bank Limited's fair value at about ₹312, versus a current price of ₹156 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Jammu and Kashmir Bank Limited financially healthy?
Jammu and Kashmir Bank Limited scores 86/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Jammu and Kashmir Bank Limited's share price performed?
Jammu and Kashmir Bank Limited is up 16% over three months, and last traded at ₹156. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.