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- PUNJAB & SIND BANK - UNITED BANK OF INDIA
PUNJAB & SIND BANK vs UNITED BANK OF INDIA - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | UNITED BANK OF INDIA | PUNJAB & SIND BANK/ UNITED BANK OF INDIA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.0 | 9.3 | 474.0% | View Chart |
| P/BV | x | 2.7 | 0.4 | 752.8% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  UNITED BANK OF INDIA |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
UNITED BANK OF INDIA Mar-19 |
PUNJAB & SIND BANK/ UNITED BANK OF INDIA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 15 | 301.7% | |
| Low | Rs | 13 | 9 | 138.1% | |
| Income per share (Unadj.) | Rs | 11.8 | 11.5 | 102.3% | |
| Earnings per share (Unadj.) | Rs | 1.9 | -3.1 | -62.1% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | -7.2 | -80.7% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
| Avg Dividend yield | % | 1.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.3 | 15.5 | 144.0% | |
| Shares outstanding (eoy) | m | 6,777.79 | 7,427.92 | 91.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.0 | 234.2% | |
| Avg P/E ratio | x | 14.8 | -3.8 | -385.7% | |
| Avg P/CF ratio | x | 13.4 | 6.3 | 212.9% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.8 | 166.4% | |
| Dividend payout | % | 24.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 193,675 | 88,578 | 218.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 19,545 | 79.0% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 85,599 | 93.4% | |
| Other income | Rs m | 9,400 | 23,846 | 39.4% | |
| Interest expense | Rs m | 50,194 | 65,853 | 76.2% | |
| Net interest income | Rs m | 29,734 | 19,746 | 150.6% | |
| Operating expense | Rs m | 24,634 | 29,476 | 83.6% | |
| Gross profit | Rs m | 5,100 | -9,730 | -52.4% | |
| Gross profit margin | % | 6.4 | -11.4 | -56.1% | |
| Provisions/contingencies | Rs m | 1,369 | 37,275 | 3.7% | |
| Profit before tax | Rs m | 16,198 | -45,809 | -35.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,068 | -22,650 | -13.5% | |
| Profit after tax | Rs m | 13,130 | -23,159 | -56.7% | |
| Net profit margin | % | 16.4 | -27.1 | -60.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 669,551 | 114.7% | |
| Deposits | Rs m | 1,096,655 | 1,349,833 | 81.2% | |
| Credit/Deposit ratio | x | 70.0 | 49.6 | 141.2% | |
| Yield on advances | % | 7.2 | 7.6 | 94.8% | |
| Cost of deposits | % | 4.3 | 4.7 | 91.8% | |
| Net Interest Margin | % | 2.4 | 1.5 | 158.3% | |
| Net fixed assets | Rs m | 15,194 | 12,341 | 123.1% | |
| Share capital | Rs m | 67,778 | 74,279 | 91.2% | |
| Free reserves | Rs m | 83,307 | 40,710 | 204.6% | |
| Net worth | Rs m | 151,085 | 114,989 | 131.4% | |
| Borrowings | Rs m | 90,184 | 22,037 | 409.2% | |
| Investments | Rs m | 448,384 | 609,760 | 73.5% | |
| Total assets | Rs m | 1,364,545 | 1,515,299 | 90.1% | |
| Debt/equity ratio | x | 7.9 | 11.9 | 65.8% | |
| Return on assets | % | 1.0 | -1.5 | -63.0% | |
| Return on equity | % | 8.7 | -20.1 | -43.2% | |
| Capital adequacy ratio | % | 17.1 | 13.0 | 131.5% | |
| Net NPAs | % | 1.8 | 8.7 | 21.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -150,737 | -9.5% | |
| From Investments | Rs m | -882 | -732 | 120.4% | |
| From Financial Activity | Rs m | -13,317 | 45,761 | -29.1% | |
| Net Cashflow | Rs m | 85 | -105,708 | -0.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 97.4 | 100.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 1.2 | 54.5% | |
| FIIs | % | 0.0 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 2.6 | 67.6% | |
| Shareholders | 184,679 | 101,958 | 181.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs United Bank of India
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Punjab & Sind Bank vs United Bank of India Share Price Performance
| Period | Punjab & Sind Bank | United Bank of India | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.72% | -0.44% | -1.09% |
| 1-Month | 3.01% | -42.19% | 0.62% |
| 1-Year | 81.04% | -59.60% | 10.97% |
| 3-Year CAGR | 50.62% | -43.77% | 14.53% |
| 5-Year CAGR | 14.75% | -31.10% | 9.34% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the United Bank of India share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of United Bank of India the stake stands at 97.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Punjab & Sind Bank and the shareholding pattern of United Bank of India.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.
United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of United Bank of India.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results]()
Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results(Closing)
It was indeed a volatile trading session for Indian share markets today. Benchmark indices swung between gains and losses throughout the day.
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