Punjab & Sind Bank [PSB] vs Jammu and Kashmir [J&KBANK] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Punjab & Sind Bank wins in 4 metrics, Jammu and Kashmir Bank Ltd. wins in 12 metrics, with 2 ties. Jammu and Kashmir Bank Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Punjab & Sind Bank | Jammu and Kashmir Bank Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 15.10 | 6.79 | Jammu and Kashmir Bank Ltd. |
| Price-to-Book Ratio | 1.30 | 1.03 | Jammu and Kashmir Bank Ltd. |
| Debt-to-Equity Ratio | 1.05 | 0.00 | Tie |
| PEG Ratio | 0.37 | 1.31 | Punjab & Sind Bank |
| Profit Margin (TTM) | 25.33% | 30.60% | Jammu and Kashmir Bank Ltd. |
| Operating Margin (TTM) | 33.67% | 23.30% | Punjab & Sind Bank |
| EBITDA Margin (TTM) | 33.67% | 23.30% | Punjab & Sind Bank |
| Return on Equity | 9.44% | 14.64% | Jammu and Kashmir Bank Ltd. |
| Return on Assets (TTM) | 0.75% | 1.26% | Jammu and Kashmir Bank Ltd. |
| Free Cash Flow (TTM) | $-24.61B | $26.21B | Jammu and Kashmir Bank Ltd. |
| Dividend Yield | 0.24% | 2.06% | Jammu and Kashmir Bank Ltd. |
| 1-Year Return | -25.04% | 35.22% | Jammu and Kashmir Bank Ltd. |
| Price-to-Sales Ratio (TTM) | 3.74 | 2.09 | Jammu and Kashmir Bank Ltd. |
| Enterprise Value | $266.11B | $0 | Punjab & Sind Bank |
| EV/Revenue Ratio | 5.56 | 0.00 | Tie |
| Revenue per Share (TTM) | $7 | $64 | Jammu and Kashmir Bank Ltd. |
| Earnings per Share (Diluted) | $1.67 | $19.57 | Jammu and Kashmir Bank Ltd. |
| Beta (Stock Volatility) | 0.44 | 0.41 | Jammu and Kashmir Bank Ltd. |
Punjab & Sind Bank vs Jammu and Kashmir Bank Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Punjab & Sind Bank | -1.14% | -2.11% | -4.67% | -8.11% | -20.05% | -15.34% |
| Jammu and Kashmir Bank Ltd. | 4.74% | 1.26% | 7.81% | 18.34% | 32.43% | 40.46% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Punjab & Sind Bank | -25.04% | -27.77% | 16.69% | -40.50% | -76.40% | -81.32% |
| Jammu and Kashmir Bank Ltd. | 35.22% | 138.71% | 376.60% | -11.14% | 77.20% | 267.15% |
Performance & Financial Health Analysis: Punjab & Sind Bank vs Jammu and Kashmir Bank Ltd.
| Metric | PSB | J&KBANK |
|---|---|---|
| Market Information | ||
| Market Cap | ₹177.82B | ₹138.62B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 1,725,836 | 5,366,581 |
| 90 Day Avg. Volume | 2,053,697 | 6,595,765 |
| Last Close | ₹23.41 | ₹148.65 |
| 52 Week Range | ₹20.50 - ₹34.45 | ₹97.35 - ₹149.31 |
| % from 52W High | -32.05% | -0.44% |
| All-Time High | ₹146.70 (Dec 27, 2010) | ₹195.48 (May 26, 2014) |
| % from All-Time High | -84.04% | -23.96% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.16% | 0.03% |
| Quarterly Earnings Growth | 0.19% | 0.02% |
| Financial Health | ||
| Profit Margin (TTM) | 0.25% | 0.31% |
| Operating Margin (TTM) | 0.34% | 0.23% |
| Return on Equity (TTM) | 0.09% | 0.15% |
| Debt to Equity (MRQ) | 1.05 | 0.00 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹19.45 | ₹129.03 |
| Cash per Share (MRQ) | ₹8.17 | ₹54.98 |
| Operating Cash Flow (TTM) | ₹7.44B | ₹58.86B |
| Levered Free Cash Flow (TTM) | ₹10.16B | ₹20.82B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.24% | 2.06% |
| Last 12-Month Dividend | ₹0.07 | ₹2.15 |
Valuation & Enterprise Metrics Analysis: Punjab & Sind Bank vs Jammu and Kashmir Bank Ltd.
| Metric | PSB (Apr 21, 2026) | J&KBANK (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 15.10 | 6.79 |
| Forward P/E | N/A | 8.25 |
| PEG Ratio | 0.37 | 1.31 |
| Price to Sales (TTM) | 3.74 | 2.09 |
| Price to Book (MRQ) | 1.30 | 1.03 |
| Market Capitalization | ||
| Market Capitalization | ₹177.82B | ₹138.62B |
| Enterprise Value | ₹266.11B | ₹0 |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.56 | 0.00 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.44 | 0.41 |
| Book Value per Share (MRQ) | ₹19.45 | ₹129.03 |
Financial Statements Comparison: Punjab & Sind Bank vs Jammu and Kashmir Bank Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | PSB (2025) | J&KBANK (2025) |
|---|---|---|
| Revenue/Sales | 53.81B | 70.36B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 13.38B | 29.39B |
| Pre-Tax Income % of Revenue | 24.9% | 41.8% |
| Income Tax | 3.22B | 8.52B |
| Income Tax % of Revenue | 6.0% | 12.1% |
| Net Income (Profit) | 10.16B | 20.82B |
| Profit Margin | 18.9% | 29.6% |
Balance Sheet & Liquidity Metrics
| Metric | PSB (2025) | J&KBANK (2025) |
|---|---|---|
| Cash & Equivalents | 101.89B | 191.88B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 118.80B | 23.83B |
| Long-Term Debt % of Revenue | 220.8% | 33.9% |
| Total Shareholders Equity | 133.55B | 142.08B |
| Retained Earnings | 19.08B | N/A |
| Retained Earnings % of Revenue | 35.5% | 0.0% |
| Property, Plant & Equipment | 28.20B | 40.61B |
Cash Flow Statement Comparison
| Metric | PSB (2025) | J&KBANK (2025) |
|---|---|---|
| Operating Cash Flow | 7.44B | 58.86B |
| Operating Cash Flow % of Revenue | 13.8% | 83.7% |
| Capital Expenditures | -1.68B | -1.02B |
| Free Cash Flow | -24.61B | 26.21B |
| FCF Margin | -45.7% | 37.3% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PSB | J&KBANK |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 7.10B | 1.10B |
| Float Shares | 440.35M | 151.59M |
| % Held by Insiders | 93.85% | 63.49% |
| % Held by Institutions | 1.44% | 9.08% |
| % Held by Public | 4.71% | 27.43% |
Dividend Analysis & Yield Comparison: Punjab & Sind Bank vs Jammu and Kashmir Bank Ltd.
| Metric | PSB | J&KBANK |
|---|---|---|
| Last 12-Month Dividend | ₹0.07 | ₹2.15 |
| Last 12-Month Dividend Yield | 0.24% | 2.06% |
| 3-Year Avg Annual Dividend | ₹0.25 | ₹1.77 |
| 3-Year Avg Dividend Yield | 0.67% | 1.30% |
| 3-Year Total Dividends | ₹0.75 | ₹5.30 |
| Ex-Dividend Date | Jul 29, 2025 | Aug 19, 2025 |