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UNITED BANK OF INDIA vs BANK OF MAHARASHTRA - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA BANK OF MAHARASHTRA UNITED BANK OF INDIA/
BANK OF MAHARASHTRA
 
P/E (TTM) x 9.3 11.9 77.7% View Chart
P/BV x 0.4 2.8 12.7% View Chart
Dividend Yield % 0.0 2.1 -  

Financials

 UNITED BANK OF INDIA   BANK OF MAHARASHTRA
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
BANK OF MAHARASHTRA
Mar-23
UNITED BANK OF INDIA/
BANK OF MAHARASHTRA
5-Yr Chart
Click to enlarge
High Rs1536 40.8%   
Low Rs915 60.3%   
Income per share (Unadj.) Rs11.523.6 48.8%  
Earnings per share (Unadj.) Rs-3.13.9 -80.6%  
Cash flow per share (Unadj.) Rs-7.25.8 -125.4%  
Dividends per share (Unadj.) Rs01.30 0.0%  
Avg Dividend yield %05.1 0.0%  
Book value per share (Unadj.) Rs15.523.5 66.0%  
Shares outstanding (eoy) m7,427.926,730.50 110.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.01.1 95.4%   
Avg P/E ratio x-3.86.6 -57.8%  
Avg P/CF ratio x6.32.8 222.0%  
Avg Price/Bookvalue ratio x0.81.1 70.5%  
Dividend payout %033.6 -0.0%   
Avg Mkt Cap Rs m88,578172,469 51.4%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54520,581 95.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599158,986 53.8%  
Other income Rs m23,84622,809 104.5%   
Interest expense Rs m65,85381,568 80.7%   
Net interest income Rs m19,74677,418 25.5%  
Operating expense Rs m29,47639,225 75.1%   
Gross profit Rs m-9,73038,193 -25.5%  
Gross profit margin %-11.424.0 -47.3%  
Provisions/contingencies Rs m37,27534,975 106.6%   
Profit before tax Rs m-45,80934,456 -132.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m022 0.0%   
Tax Rs m-22,6508,429 -268.7%   
Profit after tax Rs m-23,15926,050 -88.9%  
Net profit margin %-27.116.4 -165.1%  
BALANCE SHEET DATA
Advances Rs m669,5511,712,207 39.1%   
Deposits Rs m1,349,8332,340,641 57.7%  
Credit/Deposit ratio x49.673.2 67.8%  
Yield on advances %7.66.7 112.7%   
Cost of deposits %4.73.1 152.6%   
Net Interest Margin %1.53.2 47.9%  
Net fixed assets Rs m12,34121,492 57.4%   
Share capital Rs m74,27967,305 110.4%   
Free reserves Rs m40,71090,597 44.9%   
Net worth Rs m114,989157,902 72.8%   
Borrowings Rs m22,037107,657 20.5%   
Investments Rs m609,760690,420 88.3%   
Total assets Rs m1,515,2992,678,272 56.6%  
Debt/equity ratio x11.915.5 76.9%   
Return on assets %-1.51.0 -157.1%  
Return on equity %-20.116.5 -122.1%  
Capital adequacy ratio %13.018.1 71.7%  
Net NPAs %8.70.3 3,468.0%  
CASH FLOW
From Operations Rs m-150,737-14,399 1,046.8%  
From Investments Rs m-732-1,751 41.8%  
From Financial Activity Rs m45,7612,279 2,007.7%  
Net Cashflow Rs m-105,708-13,871 762.1%  

Share Holding

Indian Promoters % 97.4 86.5 112.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 5.2 23.8%  
FIIs % 0.0 0.5 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 13.5 19.1%  
Shareholders   101,958 677,087 15.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on United Bank of India vs Bank of Maharashtra

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

Here's a brief comparison:

United Bank of India vs Bank of Maharashtra Share Price Performance

Period United Bank of India Bank of Maharashtra S&P BSE BANKEX
1-Day -0.44% 4.83% 0.82%
1-Month -42.19% 7.02% 2.48%
1-Year -59.60% 168.61% 19.28%
3-Year CAGR -43.77% 44.42% 12.00%
5-Year CAGR -31.10% 35.45% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Bank of Maharashtra share price.

Moving on to shareholding structures...

The promoters of United Bank of India hold a 97.4% stake in the company. In case of Bank of Maharashtra the stake stands at 86.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of United Bank of India and the shareholding pattern of Bank of Maharashtra.

Finally, a word on dividends...

In the most recent financial year, United Bank of India paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

Bank of Maharashtra paid Rs 1.3, and its dividend payout ratio stood at 33.6%.

You may visit here to review the dividend history of United Bank of India, and the dividend history of Bank of Maharashtra.

For a sector overview, read our banking sector report.



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