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Jammu & Kashmir Bank (NSE:J&KBANK) Moat Score : 0/10 (As of Jul. 19, 2025)


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What is Jammu & Kashmir Bank Moat Score?

Jammu & Kashmir Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Jammu & Kashmir Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Jammu & Kashmir Bank might have No Moat - No discernible moat.

Jammu & Kashmir Bank  (NSE:J&KBANK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Jammu & Kashmir Bank Moat Score Related Terms

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Jammu & Kashmir Bank Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Jammu & Kashmir Bank Ltd (NSE:J&KBANK) » Definitions » Moat Score
Comparable Companies
NSE:RBLBANK BOM:542904 NSE:CUB BOM:532218 BOM:532652 BOM:543243 BOM:543596 BOM:542867 NSE:JSFB BOM:532772 NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK MIL:UCG XPAR:BNP SAU:1120 MIL:ISP SGX:D05 HKSE:01658 NSE:SBIN
Traded in Other Exchanges
532209:India
Address
Maulana Azad Road, Srinagar, IND, 190001
Website
https://www.jkbank.com
Jammu & Kashmir Bank Ltd is a bank that has businesses comprised of treasury, corporate/wholesale banking, retail banking and others. The bank's personal financial products include various loan products, personal account services, term bank deposits, mutual funds, bank cards, and insurance products. The company has Four crucial business segments namely Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Business. The company generates majority of its revenue from Retail Banking segment. The bank's financial products for businesses include loans, business accounts, and others.

Jammu & Kashmir Bank Headlines

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