Jammu & Kashmir Bank (NSE:J&KBANK) Moat Score: 0/10 (As of Jul. 09, 2026)


NSE:J&KBANK Jammu & Kashmir Bank Ltd NSE:J&KBANK
50 GF Score
Price ₹165.96
GF Value ₹117.00
Valuation Significantly Overvalued
! 7 Warning Signs
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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

NSE:J&KBANK
50GF Score
Jammu & Kashmir Bank Ltd NSE:J&KBANK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Jammu & Kashmir Bank (NSE:J&KBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Jammu & Kashmir Bank stock appears to be overvalued. The current stock price of ₹165.96 is trading 41.8% above its estimated GF Value™ of ₹117.00. GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.

Key valuation signals for NSE:J&KBANK:

  • Moat Score: 0
  • GF Value™: ₹117.00 vs. price of ₹165.96 (41.8% above fair value)
  • GF Score™: 50/100 with 7 warning signs

No single metric tells the full story. See the NSE:J&KBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Jammu & Kashmir Bank Business Description

Other Exchanges 532209:India
Address Maulana Azad Road, Srinagar, IND, 190001
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, agriculture accounts, and others.
50GF Score

Get the complete analysis for NSE:J&KBANK

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹165.96
Price
₹117.00
GF Value