JS Bank Limited JSBL
Rs 13.68
Vol316,592Updated10:3029 Jul 2026
01—At a Glance
The headline take on JSBL — valuation, income, returns, and efficiency
Consolidated snapshot
02—Price & Performance
Closing prices across timeframes, returns, and range context
JSBL — Price History
Daily closing series · toggle period below
03—Key Metrics
Valuation, profitability, structure, and risk in one grid
04—Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
Latest Payout
Dividend Per Share Trend
05—Financials & Earnings
Income, balance sheet, and key ratios from published accounts
JSBL's market capitalisation stands at Rs 28.05B as of 29 Jul 2026 — down 12.1% over the past 12 months (from Rs 31.91B).
Financial Statements
How OGDC's income and balance sheet have evolved
| PKR Millions | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | Trend |
|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 40,313 | 38,653 | 34,614 | 20,156 | 16,971 | 16,454 | |
| Administrative Expenses | 30,169 | 27,346 | 23,042 | 16,749 | 12,723 | 13,019 | |
| Profit Before Tax | 6,191 | 6,366 | 8,515 | 2,131 | 2,209 | 2,023 | |
| Taxation | 3,395 | 3,518 | 4,180 | 1,166 | 905 | 873 | |
| Profit After Tax | 2,796 | 2,849 | 4,335 | 965 | 1,304 | 1,150 | |
| EPS - Basic (Rs) | Rs 1.36 | Rs 1.39 | Rs 2.75 | Rs 0.74 | Rs 1.01 | Rs 0.89 |
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY25
| Ratio | Value |
|---|---|
| Net profit margin | 6.9% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY25
| Ratio | Value |
|---|---|
| Effective tax rate | 54.8% |
Effective tax rate
Taxation ÷ profit before tax · %
Market cap trajectory
Close × current shares outstanding · current Rs 28.05B
Valuation & Capital Returns
What the market is paying for JSBL, and what it returns to shareholders
Latest · FY25
| Ratio | Value |
|---|---|
| Price to earnings | 12.40x |
| Price to sales | 0.86x |
Price to earnings
Period-end price ÷ EPS · times
06—Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 13.30) is above the 30-day SMA (Rs 13.28). RSI at 55 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 13.30 | -2.76% | Above |
| SMA 30 | Rs 13.28 | -2.94% | Above |
| SMA 60 | Rs 12.87 | -5.94% | Above |
| SMA 200 | Rs 15.67 | +14.56% | Below |
At 55, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD0.11
- Signal0.13
- Histogram-0.02
07—Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
No blank sales
No net blank (short) sales reported for JSBL on the latest PSX DFC report.
08—Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 16 Jul 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
10—About the Company
Business description, governance, and corporate information
JS Bank Limited is a banking company incorporated in Pakistan as a public limited company on March 15, 2006. The Bank is a subsidiary company of Jahangir Siddiqui & Co. Ltd. (JSCL). It is engaged in commercial banking and related services as described in the Banking Companies Ordinance, 1962.
Corporate Information
- RegistrarCDC Share Registrar Services Limited (CDCSRSL) , CDC House, 99-2, Block B, S.C.H.M.S, Main Shahra-e-Faisal, Karachi
- AuditorBDO Ebrahim & Co. Chartered Accountants
- Websitewww.jsbl.com
- AddressJS Bank Limited Shaheen Commercial Complex Dr. Ziauddin Ahmed Road, Karachi, Pakistan.
- SectorCommercial Banks
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
BSBasir Shamsie | CEO |
AMAdil Matcheswala | Chairperson |
SMSyed Muhammad Talib Raza | Company Secretary |
Reports & Filings
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sept 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 30 Sept 2024PDF
- Quarterly Report — 30 Jun 2024PDF
- Quarterly Report — 31 Mar 2024PDF
Sourced from official PSX financial-report submissions.
11—Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 06 Jul 2026Other
- 25 May 2026Others
- 30 Apr 2026Financial Results
- 29 Apr 2026Others
- 29 Apr 2026Financial Results
- 28 Apr 2026Board Meeting
- 21 Apr 2026Board Meetings
- 14 Apr 2026Others
12—Peers in Commercial Banks
How the cohort is moving — same-sector stocks by market cap
JSBL vs Commercial Banks sector median
| Metric | JSBL | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 10.1x | 6.6x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 0.0% | 7.1% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | 6.2% | 17.1% |
| 1-Year Return | -9.4% | +24.6% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 28.05B | Rs 152.21B |
Commercial Banks · sector heat
13—Frequently Asked Questions
The most common questions investors ask about JSBL
Frequently Asked Questions
JSBL closed at Rs 13.68 on 29 Jul 2026, down 0.07% on the day, within a 52-week range of Rs 10.15–24.50. Prices on this page refresh through the trading day; log in to BSL for live quotes.
JS Bank Limited is a banking company incorporated in Pakistan as a public limited company on March 15, 2006. See About the Company on this page for the full profile, management, and corporate information.
JSBL has not declared a cash dividend in the recent PSX record — some companies reinvest earnings instead; see the Financials section. For income ideas, browse the highest dividend yield stocks on PSX.
No — JSBL is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. JSBL is not currently on the PSX Shariah-compliant list.
JSBL trades at 10.1x earnings against a Commercial Banks median of 6.6x. The full comparison table and peer list are in the Peers section, or explore the Commercial Banks sector page.
Like all Pakistani banks, JS Bank Limited prices most of its lending off KIBOR, so the rate cycle drives its spread income: rising KIBOR generally widens lending margins, while falling rates compress them but lift loan demand and bond valuations. Track the benchmark on the daily KIBOR rates page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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