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Jammu & Kashmir BankNSE:J&KBANK +2.79%50 PB Ratio is 1.22 as of Jul. 19, 2026, which is 130% above its 10-year median of 0.53. GuruFocus rates NSE:J&KBANK with a GF Score™ of 50/100 and a GF Value™ of ₹117.84 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, Jammu & Kashmir Bank ranks worse than 58.17% on this metric.
Jammu & Kashmir Bank Ltd stock PB Ratio (=1.22) is close to 10-year high of 1.35.
The historical rank and industry rank for Jammu & Kashmir Bank's PB Ratio or its related term are showing as below:
NSE:J&KBANK'
s PB Ratio Range Over the Past 10 Years
Min: 0.12 Med: 0.53 Max: 1.35
Current: 1.22
During the past 13 years, Jammu & Kashmir Bank's highest PB Ratio was 1.35. The lowest was 0.12. And the median was 0.53.
NSE:J&KBANK's PB Ratio is ranked worse than 58.17% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs NSE:J&KBANK: 1.22
During the past 12 months, Jammu & Kashmir Bank's average Book Value Per Share Growth Rate was 16.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Jammu & Kashmir Bank was 18.00% per year. The lowest was -10.00% per year. And the median was 11.50% per year.
Back to Basics: PB Ratio
Jammu & Kashmir Bank (NSE:J&KBANK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Jammu & Kashmir Bank PB Ratio Related Terms
Jammu & Kashmir Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Jammu & Kashmir Bank's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Jammu & Kashmir Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Jammu & Kashmir Bank's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Jammu & Kashmir Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Jammu & Kashmir Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jammu & Kashmir Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Jammu & Kashmir Bank (NSE:J&KBANK) has a PB Ratio of 1.22 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jammu & Kashmir Bank and its competitors. This is 130% above median its historical median of 0.53. Over the past decade, Jammu & Kashmir Bank's PB Ratio has ranged from 0.12 to 1.35. According to the industry distribution chart, Jammu & Kashmir Bank ranks #883 out of 1518 companies in the Banks industry, placing it in the top 58.2%.
Is Jammu & Kashmir Bank's PB Ratio too high?
Jammu & Kashmir Bank's current PB Ratio of 1.22 is 130% above median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.35. The Banks industry median PB Ratio is 1.11. Jammu & Kashmir Bank's value of 1.22 is 9.9% above this industry median. Based on the distribution chart, Jammu & Kashmir Bank ranks #883 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Jammu & Kashmir Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jammu & Kashmir Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Jammu & Kashmir Bank ranks #883 out of 1518 companies for PB Ratio. This places Jammu & Kashmir Bank in the lower half of its industry. The industry median PB Ratio is 1.11. Jammu & Kashmir Bank's value of 1.22 is 9.9% above this benchmark. Historically, Jammu & Kashmir Bank's own PB Ratio has ranged from 0.12 to 1.35 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 1.11, Jammu & Kashmir Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jammu & Kashmir Bank's current PB Ratio of 1.22 is 9.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jammu & Kashmir Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jammu & Kashmir Bank's current PB Ratio is 1.22, which is 130% above median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jammu & Kashmir Bank stock overvalued right now?
Based on GuruFocus' analysis, Jammu & Kashmir Bank (NSE:J&KBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹117.84, compared to a current price of ₹182.69 — trading 55% above its estimated fair value. The current PB Ratio is 1.22, which is 130% above median its 10-year median of 0.53 and 9.9% above the Banks industry median of 1.11. Jammu & Kashmir Bank's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Jammu & Kashmir Bank (NSE:J&KBANK), the current PB Ratio is 1.22 as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₹182.69 is trading 55% above its estimated GF Value™ of ₹117.84.
GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.
Key valuation signals for NSE:J&KBANK:
PB Ratio: 1.22 (130% above median its 10-year median of 0.53)
GF Value™: ₹117.84 vs. price of ₹182.69 (55% above fair value)
Industry Position: 9.9% above the Banks median (#883 of 1518)
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 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
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