J&K Bank Heads Into September Quarter After A Cooling Q1
- September 23, 2026
- Posted by: Harsh Piplani
- Category: Results
J&K Bank CMP Rs148.5. Q1 FY27 net profit Rs429cr, down from a record Rs799cr in Mar 2026. PE 7.1, ROE 15.4%, PB 0.96.
Track the latest The Jammu & Kashmir Bank Ltd. share price on Univest.
Jammu & Kashmir Bank Q2 results for FY27, covering the quarter ended September 2026, have not yet been announced. Indian banks typically report September-quarter results through October and November, so a Jammu & Kashmir Bank Q2 results date is likely to be intimated in that window once the board finalises it. This preview uses only reported historical numbers. This Jammu & Kashmir Bank Q2 results outlook is based only on historical, already-reported figures.
Jammu & Kashmir Bank Q2 Results Date: Current Status
No Q2 FY27 results date has been confirmed by Jammu & Kashmir Bank so far. Banks generally announce Q2 numbers between mid-October and mid-November, in line with the sector-wide results calendar, and the Jammu & Kashmir Bank Q2 results date should follow a similar timeline once officially notified. Readers following the Jammu & Kashmir Bank Q2 results should note that no forward estimate is implied here.
Jammu & Kashmir Bank Q2 Results Expectations
Also read – Camlin Fine Sciences Q2 Results FY27 Preview
Jammu & Kashmir Bank Q2 Results Expectations here are framed around the bank’s recent Financing Profit and Net Interest Income trend rather than a specific numeric forecast, since no verified Sep 2026 estimates are available. The data shows Mar 2026 was a standout quarter, with financing profit of Rs600 crore and net profit of Rs799 crore, the strongest in the five-quarter window. Jun 2026, however, saw a sequential pullback, with financing profit falling to Rs403 crore and net profit to Rs429 crore, a deceleration worth watching as the bank heads toward its Sep 2026 quarter. The Jammu & Kashmir Bank Q2 results discussion above draws entirely on numbers the company has already disclosed.
Previous Quarter (Q1 FY27, Jun 2026) Performance
For the quarter ended June 2026, Jammu & Kashmir Bank reported total income of Rs3,547 crore, financing profit of Rs403 crore, and net profit of Rs429 crore. This marked a clear compression from the Mar 2026 quarter, when financing profit stood at Rs600 crore and net profit at Rs799 crore, indicating that the record Mar 2026 quarter was not sustained into Q1 FY27. Notably, Jun 2026’s net profit of Rs429 crore was also marginally below the year-ago Jun 2025 figure of Rs485 crore. For context on the Jammu & Kashmir Bank Q2 results, the preceding quarterly figures are all historical, not projected.
Q2 FY26 (Sep 2025) Base Quarter: The Year-Ago Comparator
In the Sep 2025 quarter, Jammu & Kashmir Bank’s Q2 FY26 base, total income was Rs3,293 crore, financing profit was Rs477 crore, and net profit was Rs495 crore. The upcoming Q2 FY27 results will be compared against this Sep 2025 print for a year-on-year read. This section of the Jammu & Kashmir Bank Q2 results coverage relies solely on reported data, not analyst forecasts.
Recent Trend: Jun 2025 Through Jun 2026
| Quarter | Total Income (Rs cr) | Financing Profit (Rs cr) | Net Profit (Rs cr) |
|---|---|---|---|
| Jun 2025 | 3,269 | 406 | 485 |
| Sep 2025 | 3,293 | 477 | 495 |
| Dec 2025 | 3,315 | 527 | 581 |
| Mar 2026 | 3,273 | 600 | 799 |
| Jun 2026 | 3,547 | 403 | 429 |
Financing profit rose steadily each quarter from Jun 2025’s Rs406 crore to a peak of Rs600 crore in Mar 2026, before falling back to Rs403 crore in Jun 2026. Net profit followed the same rise-then-fall shape, peaking at Rs799 crore in Mar 2026 and easing to Rs429 crore in Jun 2026, even though total income actually rose to a five-quarter high of Rs3,547 crore in that same period. The Jammu & Kashmir Bank Q2 results trend described here reflects only what has already been reported to exchanges.
Key Factors Ahead Of The Q2 FY27 Preview
The central factor shaping this Jammu & Kashmir Bank Q2 FY27 preview is the sequential deceleration from the Mar 2026 peak. Financing profit and net income both moved lower in Jun 2026 even as total income rose, which points to margin or provisioning pressure within the quarter rather than a revenue problem. A second factor is that Jun 2026 net profit landed marginally below the year-ago Jun 2025 print, a rare instance of flat-to-slightly-down year-on-year profit in this data set. Whether the Sep 2026 quarter stabilises financing profit closer to its Sep 2025 or Dec 2025 levels is a genuine open question that only the actual results will answer. Any reader researching the Jammu & Kashmir Bank Q2 results should treat the figures above as historical reference points.
Valuation Snapshot Ahead Of Q2 FY27
Also read – Campus Activewear Q2 Results FY27 Preview
Jammu & Kashmir Bank trades at a CMP of Rs148.5, with a trailing PE of 7.1 and a price-to-book ratio of 0.96 against a book value of Rs154.0 per share. EPS stands at Rs20.92, return on equity is 15.4%, and the debt-to-equity ratio is 0.2. The 52-week range is Rs97.35 to Rs201.75, and the current price is below the 50-day moving average of Rs156.44 but above the 200-day moving average of Rs132.22, with an RSI of 61.25. Market capitalisation is approximately Rs16,346 crore, and the dividend yield is 1.47%. As with the rest of this Jammu & Kashmir Bank Q2 results preview, the numbers cited are drawn from public filings.
Following the bank’s financing profit trend ahead of results, open a demat account with Univest to track it in real time.
What To Watch In Jammu & Kashmir Bank Q2 Results FY27
Once reported, the Sep 2026 quarter is worth watching for whether financing profit recovers from the Jun 2026 dip and moves back closer to the Sep 2025 or Dec 2025 levels, and whether net profit growth resumes on a year-on-year basis against the Sep 2025 base of Rs495 crore. Total income, which touched a five-quarter high in Jun 2026, is also worth tracking for whether that growth in the top line continues into Sep 2026. This Jammu & Kashmir Bank Q2 results outlook is based only on historical, already-reported figures.
Get notified the moment the Jammu & Kashmir Bank Q2 results date is confirmed, create your Univest account now.
Conclusion
This Jammu & Kashmir Bank Q2 results preview for FY27 rests entirely on reported numbers from Jun 2025 through Jun 2026. The key factual takeaway is the deceleration in financing profit and net profit after the record Mar 2026 quarter, and the Sep 2025 base quarter against which the actual Sep 2026 results, expected in the usual October-November season, will be measured. Readers following the Jammu & Kashmir Bank Q2 results should note that no forward estimate is implied here.
Stay ahead of the bank’s next earnings update, get started with Univest today.
This article is prepared for informational purposes only and does not constitute investment advice or a recommendation to buy, sell or hold any security. Data used is based on publicly available historical financial information and may be subject to revision. Investments in securities are subject to market risk; please read all related documents carefully before investing and consult a SEBI-registered investment or research advisor. Univest Research Analyst registration number: INH000013776. The Jammu & Kashmir Bank Q2 results discussion above draws entirely on numbers the company has already disclosed.
When will Jammu & Kashmir Bank announce its Q2 FY27 results?
Ans. No date has been announced yet. Banks, including J&K Bank, typically report September-quarter results between October and November, so the Q2 FY27 results date is expected in that window. For context on the Jammu & Kashmir Bank Q2 results, the preceding quarterly figures are all historical, not projected.
Why did Jammu & Kashmir Bank’s profit fall in Q1 FY27?
Ans. Net profit fell to Rs429 crore in the June 2026 quarter from a record Rs799 crore in March 2026, a sequential deceleration from an unusually strong prior quarter, and was also marginally below the year-ago Jun 2025 figure. This section of the Jammu & Kashmir Bank Q2 results coverage relies solely on reported data, not analyst forecasts.
What was Jammu & Kashmir Bank’s financing profit trend recently?
Ans. Financing profit rose steadily from Rs406 crore in Jun 2025 to a peak of Rs600 crore in Mar 2026, then eased to Rs403 crore in Jun 2026. The Jammu & Kashmir Bank Q2 results trend described here reflects only what has already been reported to exchanges.
What is Jammu & Kashmir Bank’s current valuation?
Ans. The bank trades at a PE of 7.1 and a price-to-book ratio of 0.96, with a return on equity of 15.4% and a dividend yield of 1.47% at the current market price. Any reader researching the Jammu & Kashmir Bank Q2 results should treat the figures above as historical reference points.
