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CSB BANK vs AU SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSB BANK AU SMALL FINANCE BANK CSB BANK/
AU SMALL FINANCE BANK
 
P/E (TTM) x 10.7 23.8 45.1% View Chart
P/BV x 1.9 3.5 55.7% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 CSB BANK   AU SMALL FINANCE BANK
EQUITY SHARE DATA
    CSB BANK
Mar-23
AU SMALL FINANCE BANK
Mar-23
CSB BANK/
AU SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs275733 37.5%   
Low Rs178539 33.0%   
Income per share (Unadj.) Rs133.7123.1 108.6%  
Earnings per share (Unadj.) Rs31.621.4 147.3%  
Cash flow per share (Unadj.) Rs87.470.7 123.6%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs183.6164.0 112.0%  
Shares outstanding (eoy) m173.49666.75 26.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.75.2 32.8%   
Avg P/E ratio x7.229.7 24.2%  
Avg P/CF ratio x5.621.0 26.5%  
Avg Price/Bookvalue ratio x1.23.9 31.8%  
Dividend payout %04.7 0.0%   
Avg Mkt Cap Rs m39,295423,950 9.3%   
No. of employees `000NANA-   
Total wages & salary Rs m5,58517,930 31.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m23,19782,054 28.3%  
Other income Rs m3,16010,345 30.5%   
Interest expense Rs m9,85837,801 26.1%   
Net interest income Rs m13,33844,253 30.1%  
Operating expense Rs m9,42534,403 27.4%   
Gross profit Rs m3,9149,850 39.7%  
Gross profit margin %16.912.0 140.6%  
Provisions/contingencies Rs m1,6005,916 27.1%   
Profit before tax Rs m7,33618,646 39.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,8634,367 42.6%   
Profit after tax Rs m5,47414,279 38.3%  
Net profit margin %23.617.4 135.6%  
BALANCE SHEET DATA
Advances Rs m206,506584,215 35.3%   
Deposits Rs m245,058693,650 35.3%  
Credit/Deposit ratio x84.384.2 100.1%  
Yield on advances %9.111.7 78.0%   
Cost of deposits %3.74.8 77.7%   
Net Interest Margin %5.05.6 89.3%  
Net fixed assets Rs m3,1947,073 45.2%   
Share capital Rs m1,7356,667 26.0%   
Free reserves Rs m30,118102,666 29.3%   
Net worth Rs m31,853109,333 29.1%   
Borrowings Rs m7,83062,987 12.4%   
Investments Rs m58,487200,720 29.1%   
Total assets Rs m291,623902,161 32.3%  
Debt/equity ratio x7.96.9 114.7%   
Return on assets %1.91.6 118.6%  
Return on equity %17.213.1 131.6%  
Capital adequacy ratio %27.123.6 114.9%  
Net NPAs %0.40.4 83.3%  
CASH FLOW
From Operations Rs m22,11554,936 40.3%  
From Investments Rs m-7,243-43,195 16.8%  
From Financial Activity Rs m-12,24223,225 -52.7%  
Net Cashflow Rs m2,62934,967 7.5%  

Share Holding

Indian Promoters % 0.0 25.5 -  
Foreign collaborators % 49.7 0.0 -  
Indian inst/Mut Fund % 20.7 61.9 33.4%  
FIIs % 4.6 41.1 11.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 50.3 74.5 67.5%  
Shareholders   62,958 155,660 40.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CSB BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on CSB BANK vs AU SMALL FINANCE BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CSB BANK vs AU SMALL FINANCE BANK Share Price Performance

Period CSB BANK AU SMALL FINANCE BANK S&P BSE BANKEX
1-Day 0.03% 0.75% 0.82%
1-Month 1.01% -0.91% 2.48%
1-Year 44.51% 0.37% 19.28%
3-Year CAGR 14.12% -4.38% 12.00%
5-Year CAGR 3.36% 14.08% 9.40%

* Compound Annual Growth Rate

Here are more details on the CSB BANK share price and the AU SMALL FINANCE BANK share price.

Moving on to shareholding structures...

The promoters of CSB BANK hold a 49.7% stake in the company. In case of AU SMALL FINANCE BANK the stake stands at 25.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CSB BANK and the shareholding pattern of AU SMALL FINANCE BANK.

Finally, a word on dividends...

In the most recent financial year, CSB BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

AU SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 4.7%.

You may visit here to review the dividend history of CSB BANK, and the dividend history of AU SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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