JS Bank (KAR:JSBL) 1-Year Sharpe Ratio: 0.22 (As of Jul. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:JSBL JS Bank Ltd KAR:JSBL
66 GF Score
Price ₨13.39
GF Value ₨12.36
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is JS Bank 1-Year Sharpe Ratio?

JS Bank KAR:JSBL -2.26% 66 1-Year Sharpe Ratio is 0.22 as of Jul. 16, 2026. GuruFocus rates KAR:JSBL with a GF Score™ of 66/100 and a GF Value™ of ₨12.36 (Fairly Valued). The stock has 3 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-16), JS Bank's 1-Year Sharpe Ratio is 0.22.

JS Bank  (KAR:JSBL) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

JS Bank 1-Year Sharpe Ratio Related Terms

KAR:JSBL vs PNC, USB: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, JS Bank's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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.

JS Bank 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, JS Bank's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where JS Bank's 1-Year Sharpe Ratio falls into.


KAR:JSBL
66GF Score
JS Bank Ltd KAR:JSBL
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

JS Bank 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.22 mean?
JS Bank (KAR:JSBL) has a 1-Year Sharpe Ratio of 0.22 as of Jul. 16, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for JS Bank and its competitors.
Is JS Bank's 1-Year Sharpe Ratio too high?
JS Bank's current 1-Year Sharpe Ratio is 0.22. Overall, JS Bank has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JS Bank's 1-Year Sharpe Ratio compare to PNC and USB?
JS Bank's 1-Year Sharpe Ratio of 0.22 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for JS Bank and its competitors. JS Bank's current 1-Year Sharpe Ratio is 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JS Bank stock overvalued right now?
Based on GuruFocus' analysis, JS Bank (KAR:JSBL) is currently considered Fairly Valued. The stock's GF Value™ is ₨12.36, compared to a current price of ₨13.39 — trading 8.3% above its estimated fair value. The current 1-Year Sharpe Ratio is 0.22. JS Bank's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For JS Bank (KAR:JSBL), the current 1-Year Sharpe Ratio is 0.22 as of Jul. 16, 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 JS Bank (KAR:JSBL) Overvalued in 2026?

Based on GuruFocus' analysis, JS Bank stock appears to be overvalued. The current stock price of ₨13.39 is trading 8.3% above its estimated GF Value™ of ₨12.36. GuruFocus considers JS Bank to be Fairly Valued.

Key valuation signals for KAR:JSBL:

  • 1-Year Sharpe Ratio: 0.22
  • GF Value™: ₨12.36 vs. price of ₨13.39 (8.3% above fair value)
  • GF Score™: 66/100 with 3 warning signs

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

JS Bank Business Description

Address Dr. Ziauddin Ahmed Road, Shaheen Commercial Complex, P.O. Box 4847, Karachi, PAK, 74200
JS Bank Ltd is involved in providing financial services. The company operates in various business segments: Retail Banking; Corporate /Commercial Banking; Treasury; Investment, International, and Institutional; Banking; Zindigi; and Others. It derives maximum revenue from Retail Banking segment. Retail banking includes branch banking, small and medium enterprises, direct sales, private banking, product management, branch distribution network and tele sales. Geographically, the company operates in Bahrain and Pakistan. Its products include: Cash Settled Futures (CSF), Government Debt Securities-Primary Market Auction; Equity; Fixed Income-Secondary Market Trading; RDA - Roshan Equity Investment (REI); Derivatives; Exchange Traded Funds; Margin Trading System (MTS); and Sahulat Account.
66GF Score

Get the complete analysis for KAR:JSBL

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨13.39
Price
₨12.36
GF Value