Karachi Stock Exchange · Pakistan · Updated after 19 Oct 2026 close
JS Bank Ltd
JSBL · Karachi Stock Exchange · prices in PKR
PKR 12.20▲ +0.07 (0.58%)
About JS Bank Ltd
JS Bank Ltd is a commercial bank based in Pakistan. It provides retail banking services such as deposit accounts, personal loans and cards, and it serves businesses with corporate and commercial banking, trade finance and treasury services. The bank also offers Islamic banking through a dedicated window and serves individual customers, small and medium businesses and larger corporate clients across the country through its branch network.
On this site JS Bank Ltd appears as a stock on the Karachi Stock Exchange (Pakistan), code JSBL, with prices in Pakistani rupees (PKR). Our records, which start in 2019, show no dividend payments for it. The Market X-Ray on this page is price-based and compares it with other stocks on the same exchange; it does not measure how healthy the business is.
Market X-Ray · price-based
Weak price profile
Ranks #441 of 491 on the Karachi Stock Exchange · confidence High
What this score is, and is not
It describes how this stock has traded: trend, momentum, risk, liquidity and dividends, each ranked against the other stocks on its own exchange. It does not measure how healthy or cheap the business is. That fundamental X-Ray needs financial statements, which we do not have for Pakistan yet.
TrendWeak
20/100
Below its long-term averages and far from its highs.
See the numbers →
Above 200-day average-12.2%
From 52-week high-47.7%
MomentumWeak
22/100
Lagging most stocks on this exchange.
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3-month return-7.1%
6-month return-18.9%
12-month, skipping last month-44.8%
Stability (higher is calmer)Weak
31/100
Volatile, with deep drawdowns.
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Volatility, 1 year (lower is calmer)53.6%
Worst drawdown, 1 year (smaller is calmer)-54.4%
LiquidityWeak
50/100
Thinly traded: prices can jump and exits can be hard.
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Avg daily value traded5.70M PKR
Zero-volume days0.0%
IncomeNone
–/100
Pays no dividend.
See the numbers →
Years with dividends0
Price-based X-Ray. The fundamental X-Ray (financial health, valuation, growth, fair value) is available for US stocks today. It will follow for Pakistan when fundamentals data for this market is added. All Pakistan stocks.
Fair value estimate · limited data
PKR 13.13range of models 12.57 – 13.56
Fair
+7.7% to fair value
Average of the 3 valuation models that pass our checks. Undervalued or Overvalued means the gap to fair value is more than 17.5%. Model uncertainty is High.
PSX income statement only (no balance sheet or cash flow): only earnings and sales models can be built. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks that were not used for the fit, but they use no analyst forecasts. Treat this as a rough estimate.
P/E multiple
PKR 13.27
P/S multiple
PKR 13.56
P/E on average earnings
PKR 12.57
Each model multiplies the company's trailing-twelve-month earnings (or sales) by a multiple that blends its own current multiple, its own history and its sector median. Earnings per share by fiscal year, newest first: 1.36, 1.39, 2.75, 0.74. Source: statements and price from the Pakistan Stock Exchange portal and end-of-day data. A model estimate, not a price target or advice. How it works.
Factor ratings for JSBL
Each factor is rated by where JSBL stands among the 19 stocks of its PSX sector (Commercial Banks; all PSX stocks when the sector is too small for a fair comparison): Good is the top third, Average the middle third and Bad the bottom third ("Beats" is the share of those stocks it is ahead of). For valuation factors Good means cheaper than most of the group, which is not the same as a bargain.
In total: 1 Good · 3 Average · 4 Bad of 8
Growth: 0 · 2 · 0
Valuation: 1 · 0 · 0
Price risk and momentum: 0 · 0 · 3
Liquidity: 0 · 1 · 1
| Factor | JSBL | Rating | Group median |
|---|---|---|---|
| Growth | |||
| Profit growth, last financial year | −1.9% | Average beats 58% | −5.8% |
| EPS growth, 3 years a year | +22.5% | Average beats 47% | +22.6% |
| Valuation | |||
| P/E ratio (last 12 months) | 5.7x | Good beats 75% | 6.6x |
| Price risk and momentum | |||
| Volatility, 1 year | 53.6% | Bad beats 8% | 36.6% |
| Worst drawdown, 1 year | −54.4% | Bad beats 8% | −35.6% |
| 12-month return, skipping the last month | −44.8% | Bad beats 8% | −2.7% |
| Liquidity | |||
| Average daily value traded | PKR 5.7M | Bad beats 13% | PKR 50.3M |
| Days with no trading | 0.0% | Average beats 50% | 0.0% |
Built from the income-statement summary the Pakistan Stock Exchange publishes (sales, profit and EPS for up to four financial years, trailing P/E, market value) and our own end-of-day prices. The PSX portal has no balance sheet or cash flow, so there are no debt, cash-flow or book-value factors. A factor is left out when its data is missing or meaningless (for example a P/E on a loss). These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the Market X-Ray.
Price chart
52-wk range 10.15 – 23.80 Daily closes, split-adjusted
Signals
50-day average12.75
200-day average13.90
Golden/death cross (60d)None
New 52-week highNo
Bullish RSI divergenceNo
Average daily range (ATR)0.58
Technical summary
Daily
Strongly bearish
0 bullish · 4 neutral · 12 bearish
Weekly
Strongly bearish
1 bullish · 1 neutral · 10 bearish
Monthly
Bearish
2 bullish · 1 neutral · 5 bearish
Moving averages (daily)
| SMA 10 | 12.28 | Bearish |
| EMA 10 | 12.29 | Bearish |
| SMA 20 | 12.35 | Bearish |
| EMA 20 | 12.35 | Bearish |
| SMA 50 | 12.75 | Bearish |
| EMA 50 | 12.62 | Bearish |
| SMA 100 | 12.97 | Bearish |
| EMA 100 | 13.01 | Bearish |
| SMA 200 | 13.90 | Bearish |
| EMA 200 | 13.57 | Bearish |
Oscillators (daily)
| RSI (14) | 45.22 | Neutral |
| MACD (12, 26) | -0.11 | Bearish |
| Momentum (12) | -3.56 | Bearish |
| Stochastic %K (14) | 36.07 | Neutral |
| Williams %R (14) | -63.93 | Neutral |
| CCI (20) | -57.24 | Neutral |
Pivot points (classic, last session)
S3 11.64 | S2 11.85 | S1 12.02 | Pivot 12.23 | R1 12.40 | R2 12.61 | R3 12.78 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Prices are end-of-day closes in PKR. Educational only, not financial advice.