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CITY UNION BANK vs KARUR VYSYA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK KARUR VYSYA BANK CITY UNION BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 9.7 9.4 103.4% View Chart
P/BV x 1.3 1.6 78.4% View Chart
Dividend Yield % 0.8 1.2 67.6%  

Financials

 CITY UNION BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
KARUR VYSYA BANK
Mar-23
CITY UNION BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs205116 176.7%   
Low Rs11842 281.7%   
Income per share (Unadj.) Rs63.781.2 78.4%  
Earnings per share (Unadj.) Rs12.713.8 91.8%  
Cash flow per share (Unadj.) Rs19.626.2 74.9%  
Dividends per share (Unadj.) Rs1.002.00 50.0%  
Avg Dividend yield %0.62.5 24.5%  
Book value per share (Unadj.) Rs100.7107.0 94.1%  
Shares outstanding (eoy) m740.42802.05 92.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.51.0 260.9%   
Avg P/E ratio x12.75.7 222.7%  
Avg P/CF ratio x6.62.6 257.1%  
Avg Price/Bookvalue ratio x1.60.7 217.2%  
Dividend payout %7.914.5 54.5%   
Avg Mkt Cap Rs m119,41163,262 188.8%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30410,060 52.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,14365,166 72.3%  
Other income Rs m8,10411,589 69.9%   
Interest expense Rs m25,51531,677 80.5%   
Net interest income Rs m21,62833,488 64.6%  
Operating expense Rs m11,55220,320 56.9%   
Gross profit Rs m10,07613,168 76.5%  
Gross profit margin %21.420.2 105.8%  
Provisions/contingencies Rs m8,80513,697 64.3%   
Profit before tax Rs m11,77514,369 81.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,4003,308 72.6%   
Profit after tax Rs m9,37511,061 84.8%  
Net profit margin %19.917.0 117.2%  
BALANCE SHEET DATA
Advances Rs m430,533631,341 68.2%   
Deposits Rs m523,979766,376 68.4%  
Credit/Deposit ratio x82.282.4 99.7%  
Yield on advances %8.88.4 104.6%   
Cost of deposits %4.44.0 108.8%   
Net Interest Margin %3.84.1 92.2%  
Net fixed assets Rs m2,3934,176 57.3%   
Share capital Rs m7401,604 46.2%   
Free reserves Rs m73,83284,214 87.7%   
Net worth Rs m74,57285,818 86.9%   
Borrowings Rs m46,88114,320 327.4%   
Investments Rs m143,326188,083 76.2%   
Total assets Rs m665,946901,794 73.8%  
Debt/equity ratio x7.79.1 84.1%   
Return on assets %1.41.2 114.8%  
Return on equity %12.612.9 97.5%  
Capital adequacy ratio %22.318.6 120.4%  
Net NPAs %2.40.7 318.9%  
CASH FLOW
From Operations Rs m1,00412,172 8.2%  
From Investments Rs m-719-12,702 5.7%  
From Financial Activity Rs m-662-1,781 37.2%  
Net Cashflow Rs m-377-2,310 16.3%  

Share Holding

Indian Promoters % 0.0 2.2 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 50.8 116.2%  
FIIs % 26.6 15.6 170.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 97.8 102.3%  
Shareholders   216,019 232,052 93.1%  
Pledged promoter(s) holding % 0.0 7.3 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on City Union Bank vs Karur Vysya Bank

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

Here's a brief comparison:

City Union Bank vs Karur Vysya Bank Share Price Performance

Period City Union Bank Karur Vysya Bank S&P BSE BANKEX
1-Day -0.31% -1.87% -0.27%
1-Month -7.11% -5.49% -0.16%
1-Year 0.63% 77.41% 17.98%
3-Year CAGR -9.04% 45.51% 11.07%
5-Year CAGR -7.84% 19.30% 9.55%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the Karur Vysya Bank share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of Karur Vysya Bank the stake stands at 2.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of City Union Bank and the shareholding pattern of Karur Vysya Bank.

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 7.9%.

Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of Karur Vysya Bank.

For a sector overview, read our banking sector report.



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