{"id":231715,"date":"2026-09-04T19:10:51","date_gmt":"2026-09-04T13:40:51","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=231715"},"modified":"2026-09-04T19:10:53","modified_gmt":"2026-09-04T13:40:53","slug":"is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/","title":{"rendered":"Is The Jammu and Kashmir Bank a Good Buy After Its Q1 FY27 Results?"},"content":{"rendered":"<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>The Jammu and Kashmir Bank share price around Rs 152. 24.8% below 52-week high of Rs 202. Q1 FY27 revenue Rs 3,765 crore, up 6.9% YoY. PAT Rs 425 crore, down 12.5%. PE 7x.<\/em><\/p>\n<div style=\"background: #F0F9FF; border-left: 4px solid #2E7D32; border-radius: 6px; padding: 14px 18px; margin: 18px 0;\">\n<p style=\"margin: 0; color: #1f4e79; font-size: 14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin: 8px 0 0;\">The Jammu and Kashmir Bank&#8217;s Q1 FY27 results were mixed, with revenue at Rs 3,765 crore but PAT falling 12% to Rs 425 crore. The The Jammu and Kashmir Bank share price near Rs 152 has not escaped this pressure, and the profit decline is the key data point investors should weigh before deciding whether The Jammu and Kashmir Bank is a good buy right now.<\/p>\n<\/div>\n<p>The The Jammu and Kashmir Bank share price has been under the spotlight this results season after the company reported its first-quarter numbers for FY27. The Jammu and Kashmir Bank is the largest bank in Jammu and Kashmir, with a dominant regional deposit and lending franchise, and its Q1 FY27 print, for the quarter ended June 30, 2026, gives investors a fresh data point to test whether the stock still deserves a place in a portfolio at current levels.<\/p>\n<p>Revenue for the quarter came in at Rs 3,765 crore, up 6.9% year on year, while profit after tax came in at Rs 425 crore, down 12.5% from a year earlier. That combination of numbers is exactly what this article breaks down, along with what it means for the The Jammu and Kashmir Bank share price from here.<\/p>\n<p>This piece works through the quarter&#8217;s financial highlights, the business factors behind the numbers, where the The Jammu and Kashmir Bank share price stands against its 52-week range and valuation multiples, and the key risks worth watching before treating this as a buy, hold or a stock to avoid for now.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=the-jammu-and-kashmir-bank_q1fy27\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#The_Jammu_and_Kashmir_Bank_Q1_FY27_Financial_Highlights\" title=\"The Jammu and Kashmir Bank Q1 FY27 Financial Highlights\">The Jammu and Kashmir Bank Q1 FY27 Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#The_Jammu_and_Kashmir_Bank_Q1_FY27_Performance_Analysis\" title=\"The Jammu and Kashmir Bank Q1 FY27 Performance Analysis\">The Jammu and Kashmir Bank Q1 FY27 Performance Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Key_Business_Factors_in_Q1_FY27\" title=\"Key Business Factors in Q1 FY27\">Key Business Factors in Q1 FY27<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Revenue_Trend\" title=\"Revenue Trend\">Revenue Trend<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Margin_Movement\" title=\"Margin Movement\">Margin Movement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Balance_Sheet_Position\" title=\"Balance Sheet Position\">Balance Sheet Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Valuation_Context\" title=\"Valuation Context\">Valuation Context<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Dividend_Details\" title=\"Dividend Details\">Dividend Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#The_Jammu_and_Kashmir_Bank_Share_Price_Outlook_for_FY27\" title=\"The Jammu and Kashmir Bank Share Price Outlook for FY27\">The Jammu and Kashmir Bank Share Price Outlook for FY27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#The_Jammu_and_Kashmir_Bank_Stock_Performance\" title=\"The Jammu and Kashmir Bank Stock Performance\">The Jammu and Kashmir Bank Stock Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Key_Risks\" title=\"Key Risks\">Key Risks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Profitability_Risk\" title=\"Profitability Risk\">Profitability Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Sector_and_Demand_Risk\" title=\"Sector and Demand Risk\">Sector and Demand Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Execution_Risk\" title=\"Execution Risk\">Execution Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Frequently_Asked_Questions_on_The_Jammu_and_Kashmir_Bank_Q1_FY27_Results\" title=\"Frequently Asked Questions on The Jammu and Kashmir Bank Q1 FY27 Results\">Frequently Asked Questions on The Jammu and Kashmir Bank Q1 FY27 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_were_The_Jammu_and_Kashmir_Banks_Q1_FY27_results\" title=\"What were The Jammu and Kashmir Bank&#8217;s Q1 FY27 results?\">What were The Jammu and Kashmir Bank&#8217;s Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Is_The_Jammu_and_Kashmir_Bank_a_good_buy_after_its_Q1_FY27_results\" title=\"Is The Jammu and Kashmir Bank a good buy after its Q1 FY27 results?\">Is The Jammu and Kashmir Bank a good buy after its Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_is_the_The_Jammu_and_Kashmir_Bank_share_price_today\" title=\"What is the The Jammu and Kashmir Bank share price today?\">What is the The Jammu and Kashmir Bank share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_is_The_Jammu_and_Kashmir_Banks_revenue_and_profit_for_Q1_FY27\" title=\"What is The Jammu and Kashmir Bank&#8217;s revenue and profit for Q1 FY27?\">What is The Jammu and Kashmir Bank&#8217;s revenue and profit for Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#Did_The_Jammu_and_Kashmir_Bank_declare_a_dividend_with_its_Q1_FY27_results\" title=\"Did The Jammu and Kashmir Bank declare a dividend with its Q1 FY27 results?\">Did The Jammu and Kashmir Bank declare a dividend with its Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_is_The_Jammu_and_Kashmir_Banks_PE_ratio_and_is_it_expensive\" title=\"What is The Jammu and Kashmir Bank&#8217;s PE ratio and is it expensive?\">What is The Jammu and Kashmir Bank&#8217;s PE ratio and is it expensive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_are_the_key_risks_for_The_Jammu_and_Kashmir_Bank_investors_right_now\" title=\"What are the key risks for The Jammu and Kashmir Bank investors right now?\">What are the key risks for The Jammu and Kashmir Bank investors right now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/is-the-jammu-and-kashmir-bank-a-good-buy-after-q1-fy27-results\/#What_is_The_Jammu_and_Kashmir_Banks_promoter_shareholding\" title=\"What is The Jammu and Kashmir Bank&#8217;s promoter shareholding?\">What is The Jammu and Kashmir Bank&#8217;s promoter shareholding?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_Jammu_and_Kashmir_Bank_Q1_FY27_Financial_Highlights\"><\/span><strong>The Jammu and Kashmir Bank Q1 FY27 Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<thead>\n<tr style=\"background: #F0F0F0;\">\n<th style=\"border: 1px solid #BBBBBB; padding: 8px;\">Metric<\/th>\n<th style=\"border: 1px solid #BBBBBB; padding: 8px;\">Q1 FY27<\/th>\n<th style=\"border: 1px solid #BBBBBB; padding: 8px;\">Q1 FY26<\/th>\n<th style=\"border: 1px solid #BBBBBB; padding: 8px;\">YoY Change<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Revenue<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 3,765 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 3,523 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">6.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">EBITDA<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 621 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 659 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">-5.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Operating Margin<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">75.2%<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">75.3%<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">NA<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Profit Before Tax<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 621 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 659 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">-5.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Net Profit \/ (Loss)<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 425 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">Rs 486 crore<\/td>\n<td style=\"border: 1px solid #BBBBBB; padding: 8px;\">-12.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"The_Jammu_and_Kashmir_Bank_Q1_FY27_Performance_Analysis\"><\/span><strong>The Jammu and Kashmir Bank Q1 FY27 Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check The Jammu and Kashmir Bank Fundamentals on Univest Screener<\/strong><\/a><\/p>\n<p>Revenue growth of 6.9% for the quarter came from steady demand across the company&#8217;s core business, keeping the topline trend intact for the regional banking sector.<\/p>\n<p>Profitability is where the quarter disappointed. PAT fell 12% year on year to Rs 425 crore even as revenue grew, which points to margin or cost pressure that management will need to address. This gap between top-line and bottom-line performance is the key thing weighing on the The Jammu and Kashmir Bank share price this quarter.<\/p>\n<p>On a sequential basis, revenue moved up 6.5% sequentially from Rs 3,536 crore in the March 2026 quarter and net profit moved down 46.8% sequentially from Rs 799 crore in the prior quarter, giving a fuller picture of the trend behind the The Jammu and Kashmir Bank share price than the year on year comparison alone.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Business_Factors_in_Q1_FY27\"><\/span><strong>Key Business Factors in Q1 FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Revenue_Trend\"><\/span><strong>Revenue Trend<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Jammu and Kashmir Bank&#8217;s revenue grew 6.9% year on year this quarter, taking the quarterly base to Rs 3,765 crore in a regional banking business that remains sensitive to demand and pricing cycles that ultimately feed through to the The Jammu and Kashmir Bank share price.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Margin_Movement\"><\/span><strong>Margin Movement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>EBITDA fell to Rs 621 crore from Rs 659 crore, with operating margin slipping to 75.2% from 75.3%, pointing to cost or pricing pressure that management will need to manage through the rest of FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Balance_Sheet_Position\"><\/span><strong>Balance Sheet Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Jammu and Kashmir Bank&#8217;s balance sheet metrics were not fully available for this quarter and should be checked against the company&#8217;s official filings before making an investment decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Valuation_Context\"><\/span><strong>Valuation Context<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The stock trades at a PE of 7.2x, below the industry average of 12.4x, which is worth factoring into any read of whether the The Jammu and Kashmir Bank share price is expensive or reasonably priced.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_Details\"><\/span><strong>Dividend Details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No interim dividend was declared alongside The Jammu and Kashmir Bank&#8217;s Q1 FY27 results. The stock has not paid a meaningful dividend in the trailing twelve months. Investors tracking the The Jammu and Kashmir Bank share price for income should watch the company&#8217;s announcements around its next annual results for any dividend decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Jammu_and_Kashmir_Bank_Share_Price_Outlook_for_FY27\"><\/span><strong>The Jammu and Kashmir Bank Share Price Outlook for FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The key question for the rest of FY27 is whether The Jammu and Kashmir Bank can arrest the margin pressure seen this quarter. Revenue growth alone will not be enough to support the The Jammu and Kashmir Bank share price if profitability keeps slipping, so investors should watch the next couple of quarters for signs of a turnaround in the bottom line.<\/p>\n<p>A stabilising or improving margin trend in the next result would be the clearest signal that this quarter&#8217;s profit decline was a temporary setback rather than the start of a longer slide for the The Jammu and Kashmir Bank share price.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Jammu_and_Kashmir_Bank_Stock_Performance\"><\/span><strong>The Jammu and Kashmir Bank Stock Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track The Jammu and Kashmir Bank&#8217;s live share price and get daily stock updates.<\/em><\/p>\n<p>The The Jammu and Kashmir Bank share price was trading around Rs 152 as results season played out in late August 2026, roughly 24.8% below its 52-week high of Rs 202 and well above its 52-week low of Rs 97. Promoter holding stood at 59.4% as of the June 2026 quarter.<\/p>\n<p>The The Jammu and Kashmir Bank share price has likely already absorbed some of this quarter&#8217;s disappointment, but further downside is possible if the next results confirm the same trend rather than a one-off. On profitability ratios, the company reports a return on equity of 14.88% and a book value of around Rs 141 per share, both useful reference points when judging whether the current price is reasonable.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks\"><\/span><strong>Key Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Profitability_Risk\"><\/span><strong>Profitability Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The quarter&#8217;s profit trend is the clearest risk here. Until The Jammu and Kashmir Bank shows a sustained improvement in margins or the bottom line, the stock is likely to stay volatile around results.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sector_and_Demand_Risk\"><\/span><strong>Sector and Demand Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As a regional banking business, The Jammu and Kashmir Bank&#8217;s results remain tied to sector-specific demand, pricing and regulatory cycles that can shift from quarter to quarter and move the The Jammu and Kashmir Bank share price well before the next result.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Execution_Risk\"><\/span><strong>Execution Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sustaining this quarter&#8217;s trend into the rest of FY27 depends on management execution on costs, pricing and demand, none of which are guaranteed.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Jammu and Kashmir Bank&#8217;s Q1 FY27 results show a business still growing its top line but losing ground on profitability, with PAT down 12% to Rs 425 crore even as revenue rose. The The Jammu and Kashmir Bank share price reflects a stock in wait-and-watch mode, and it is not an obvious buy purely on this quarter&#8217;s numbers until the margin trend turns around.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_The_Jammu_and_Kashmir_Bank_Q1_FY27_Results\"><\/span><strong>Frequently Asked Questions on The Jammu and Kashmir Bank Q1 FY27 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_were_The_Jammu_and_Kashmir_Banks_Q1_FY27_results\"><\/span><strong>What were The Jammu and Kashmir Bank&#8217;s Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Jammu and Kashmir Bank reported Q1 FY27 revenue of Rs 3,765 crore, up 6.9% year on year, and PAT of Rs 425 crore, down 12.5% year on year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_The_Jammu_and_Kashmir_Bank_a_good_buy_after_its_Q1_FY27_results\"><\/span><strong>Is The Jammu and Kashmir Bank a good buy after its Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Jammu and Kashmir Bank&#8217;s profitability came under pressure this quarter, which makes this a stock to watch rather than an obvious buy purely on this result. Investors should form their own view based on their own risk appetite and time horizon.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_The_Jammu_and_Kashmir_Bank_share_price_today\"><\/span><strong>What is the The Jammu and Kashmir Bank share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The The Jammu and Kashmir Bank share price was trading around Rs 152 in late August 2026, about 24.8% below its 52-week high of Rs 202 and well above its 52-week low of Rs 97.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_The_Jammu_and_Kashmir_Banks_revenue_and_profit_for_Q1_FY27\"><\/span><strong>What is The Jammu and Kashmir Bank&#8217;s revenue and profit for Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Jammu and Kashmir Bank reported revenue of Rs 3,765 crore and a net profit of Rs 425 crore for the quarter ended June 30, 2026.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Did_The_Jammu_and_Kashmir_Bank_declare_a_dividend_with_its_Q1_FY27_results\"><\/span><strong>Did The Jammu and Kashmir Bank declare a dividend with its Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No interim dividend was declared alongside The Jammu and Kashmir Bank&#8217;s Q1 FY27 results. Investors should track the company&#8217;s next annual results for any dividend announcement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_The_Jammu_and_Kashmir_Banks_PE_ratio_and_is_it_expensive\"><\/span><strong>What is The Jammu and Kashmir Bank&#8217;s PE ratio and is it expensive?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The The Jammu and Kashmir Bank share price trades at a trailing PE of 7.2x, against an industry average of 12.4x. Investors should compare this with the company&#8217;s growth rate before judging value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_key_risks_for_The_Jammu_and_Kashmir_Bank_investors_right_now\"><\/span><strong>What are the key risks for The Jammu and Kashmir Bank investors right now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The quarter&#8217;s profit trend is the clearest risk here. Until The Jammu and Kashmir Bank shows a sustained improvement in margins or the bottom line, the stock is likely to stay volatile around results. Sustaining this quarter&#8217;s trend into the rest of FY27 depends on management execution on costs, pricing and demand, none of which are guaranteed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_The_Jammu_and_Kashmir_Banks_promoter_shareholding\"><\/span><strong>What is The Jammu and Kashmir Bank&#8217;s promoter shareholding?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Promoter holding in The Jammu and Kashmir Bank stood at 59.4% as of the June 2026 quarter.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Jammu and Kashmir Bank Q1 FY27: revenue Rs 3,765 crore, PAT Rs 425 crore. Full results breakdown and whether the stock is a buy at current levels.<\/p>\n","protected":false},"author":36,"featured_media":231714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[3802],"class_list":["post-231715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["231714"],"_edit_lock":["1788529255:36"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["24"],"rank_math_seo_score":["70"],"rank_math_title":["The Jammu and Kashmir Bank share price: Good Buy After Q1 FY27 Results?"],"rank_math_description":["The Jammu and Kashmir Bank Q1 FY27 results: PAT down 12% to Rs 425 crore, revenue at Rs 3,765 crore. Full results breakdown and valuation check inside."],"rank_math_focus_keyword":["The Jammu and Kashmir Bank share 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