JS Bank Limited (JSBL)

COMMERCIAL BANKSALLSHR

15.05

+3.79%

As of 10-Jul-2026

52 Week RangeCurrent: 15.05

10.1524.50

Updated: 10-Jul-2026

1M+19.9%

3M+5.5%

1Y+1.9%

3Y+188.9%

5Y+173.1%

Valuation Snapshot

Review how the market has valued this company across price multiples.

Updated through 08-Jul-2026

P/E

11.45x

P/B

0.63x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	1.01	0.74	2.75	1.39	1.36
DPS	0.00	0.00	0.00	0.00	0.00
BVPS	10.74 PKR mn / Shr	10.51 PKR mn / Shr	19.66 PKR mn / Shr	21.31 PKR mn / Shr	22.75 PKR mn / Shr
PBV	1.32	1.35	0.72	0.67	0.62
Div Yield	0.00%	0.00%	0.00%	0.00%	0.00%
ROE	6.12%	4.43%	14.01%	6.78%	6.19%
ROA	0.23%	0.16%	0.72%	0.46%	0.43%
NII Growth	21.66%	24.89%	50.84%	21.88%	-0.60%
Non Interest Income Growth	-23.95%	4.39%	130.28%	-7.09%	16.08%
Revenue Growth	3.14%	18.77%	71.73%	11.67%	4.29%
PBT Growth	9.19%	-3.53%	299.58%	-25.24%	-2.75%
PAT Growth	13.39%	-26.00%	349.22%	-34.28%	-1.86%
Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%

Metric	2021	2022	2023	2024	2025
Cost to Income	75.23%	83.97%	67.29%	71.34%	75.75%
Effective Tax Rate	40.97%	54.72%	49.09%	55.26%	54.84%
Operating Expense	2.86%	3.66%	4.90%	5.45%	5.72%
EPS Growth	13.48%	-26.73%	271.62%	-49.45%	-2.16%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	2.66%	3.21%	4.72%	5.40%	5.08%
Non Interest Income / Deposits	1.14%	1.15%	2.57%	2.24%	2.46%
Total Revenue / Deposits	3.80%	4.36%	7.28%	7.64%	7.54%
Provisions / Deposits	0.45%	0.24%	0.59%	0.93%	0.67%
Provisions / Advances	0.79%	0.45%	1.29%	2.20%	1.51%
Profit before WWF & Tax/Deposits	0.50%	0.47%	1.83%	1.28%	1.18%
WWF Rate	1.95%	1.98%	1.96%	1.96%	1.96%
Tax Rate	40.97%	54.72%	49.09%	55.26%	54.84%
Net Profit / Deposits	0.29%	0.21%	0.91%	0.56%	0.52%
Deposits / Equity	2,091.83%	2,154.04%	1,206.00%	1,201.49%	1,164.79%