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ANDHRA BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    ANDHRA BANK PNB ANDHRA BANK/
PNB
 
P/E (TTM) x -3.0 13.5 - View Chart
P/BV x 0.2 0.4 52.8% View Chart
Dividend Yield % 0.0 1.8 -  

Financials

 ANDHRA BANK   PNB
EQUITY SHARE DATA
    ANDHRA BANK
Mar-19
PNB
Mar-22
ANDHRA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs4748 98.7%   
Low Rs2332 72.1%   
Income per share (Unadj.) Rs66.669.2 96.1%  
Earnings per share (Unadj.) Rs-9.53.5 -271.1%  
Cash flow per share (Unadj.) Rs-18.07.2 -250.1%  
Dividends per share (Unadj.) Rs00.64 0.0%  
Avg Dividend yield %01.6 0.0%  
Book value per share (Unadj.) Rs46.288.6 52.2%  
Shares outstanding (eoy) m2,884.4911,011.02 26.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.6 91.6%   
Avg P/E ratio x-3.711.3 -32.5%  
Avg P/CF ratio x2.02.1 96.3%  
Avg Price/Bookvalue ratio x0.80.4 169.0%  
Dividend payout %018.3 0.0%   
Avg Mkt Cap Rs m100,524435,486 23.1%   
No. of employees `000NANA-   
Total wages & salary Rs m23,015119,719 19.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m192,029762,418 25.2%  
Other income Rs m30,881120,977 25.5%   
Interest expense Rs m122,243468,231 26.1%   
Net interest income Rs m69,786294,188 23.7%  
Operating expense Rs m50,058204,908 24.4%   
Gross profit Rs m19,72889,280 22.1%  
Gross profit margin %10.311.7 87.7%  
Provisions/contingencies Rs m78,280173,497 45.1%   
Profit before tax Rs m-23,91345,945 -52.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-469 0.0%   
Prior Period Items Rs m2512,316 10.8%   
Tax Rs m3,7589,185 40.9%   
Profit after tax Rs m-27,42038,607 -71.0%  
Net profit margin %-14.35.1 -282.0%  
BALANCE SHEET DATA
Advances Rs m1,588,4797,337,658 21.6%   
Deposits Rs m2,198,52911,542,345 19.0%  
Credit/Deposit ratio x72.363.6 113.7%  
Yield on advances %8.96.7 134.0%   
Cost of deposits %5.23.8 138.9%   
Net Interest Margin %3.12.6 117.9%  
Net fixed assets Rs m15,649106,962 14.6%   
Share capital Rs m28,84522,022 131.0%   
Free reserves Rs m104,472953,797 11.0%   
Net worth Rs m133,317975,819 13.7%   
Borrowings Rs m103,146593,717 17.4%   
Investments Rs m669,1483,885,858 17.2%   
Total assets Rs m2,540,44013,393,011 19.0%  
Debt/equity ratio x17.312.4 138.8%   
Return on assets %-1.10.3 -374.4%  
Return on equity %-20.64.0 -519.9%  
Capital adequacy ratio %13.714.5 94.3%  
Net NPAs %5.74.8 119.4%  
CASH FLOW
From Operations Rs m29,181199,323 14.6%  
From Investments Rs m-837-11,044 7.6%  
From Financial Activity Rs m-37,51520,315 -184.7%  
Net Cashflow Rs m-9,099208,595 -4.4%  

Share Holding

Indian Promoters % 88.3 73.2 120.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.8 12.4 30.8%  
FIIs % 0.6 1.0 62.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.8 26.9 43.8%  
Shareholders   238,812 2,040,141 11.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    BANK OF BARODA    SBI    


More on Andhra Bank vs PNB

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

Here's a brief comparison:

Andhra Bank vs PNB Share Price Performance

Period Andhra Bank PNB S&P BSE BANKEX
1-Day -2.66% -2.60% -1.69%
1-Month -38.86% -0.28% -4.76%
1-Year -65.18% -13.38% 1.25%
3-Year CAGR -45.56% -15.52% 10.62%
5-Year CAGR -35.02% -22.78% 9.91%

* Compound Annual Growth Rate

Here are more details on the Andhra Bank share price and the PNB share price.

Moving on to shareholding structures...

The promoters of Andhra Bank hold a 88.3% stake in the company. In case of PNB the stake stands at 73.2%.

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

Finally, a word on dividends...

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

PNB paid Rs 0.6, and its dividend payout ratio stood at 18.3%.

You may visit here to review the dividend history of Andhra Bank, and the dividend history of PNB.

For a sector overview, read our banking sector report.



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