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BANK OF MAHARASHTRA vs UNITED BANK OF INDIA - Comparison Results

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Current Valuations

    BANK OF MAHARASHTRA UNITED BANK OF INDIA BANK OF MAHARASHTRA/
UNITED BANK OF INDIA
 
P/E (TTM) x 12.0 9.3 129.2% View Chart
P/BV x 2.8 0.4 790.6% View Chart
Dividend Yield % 2.1 0.0 -  

Financials

 BANK OF MAHARASHTRA   UNITED BANK OF INDIA
EQUITY SHARE DATA
    BANK OF MAHARASHTRA
Mar-23
UNITED BANK OF INDIA
Mar-19
BANK OF MAHARASHTRA/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs3615 244.9%   
Low Rs159 165.7%   
Income per share (Unadj.) Rs23.611.5 205.0%  
Earnings per share (Unadj.) Rs3.9-3.1 -124.1%  
Cash flow per share (Unadj.) Rs5.8-7.2 -79.7%  
Dividends per share (Unadj.) Rs1.300-  
Avg Dividend yield %5.10-  
Book value per share (Unadj.) Rs23.515.5 151.5%  
Shares outstanding (eoy) m6,730.507,427.92 90.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.0 104.8%   
Avg P/E ratio x6.6-3.8 -173.1%  
Avg P/CF ratio x2.86.3 45.0%  
Avg Price/Bookvalue ratio x1.10.8 141.8%  
Dividend payout %33.60-   
Avg Mkt Cap Rs m172,46988,578 194.7%   
No. of employees `000NANA-   
Total wages & salary Rs m20,58119,545 105.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m158,98685,599 185.7%  
Other income Rs m22,80923,846 95.7%   
Interest expense Rs m81,56865,853 123.9%   
Net interest income Rs m77,41819,746 392.1%  
Operating expense Rs m39,22529,476 133.1%   
Gross profit Rs m38,193-9,730 -392.5%  
Gross profit margin %24.0-11.4 -211.3%  
Provisions/contingencies Rs m34,97537,275 93.8%   
Profit before tax Rs m34,456-45,809 -75.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m220-   
Tax Rs m8,429-22,650 -37.2%   
Profit after tax Rs m26,050-23,159 -112.5%  
Net profit margin %16.4-27.1 -60.6%  
BALANCE SHEET DATA
Advances Rs m1,712,207669,551 255.7%   
Deposits Rs m2,340,6411,349,833 173.4%  
Credit/Deposit ratio x73.249.6 147.5%  
Yield on advances %6.77.6 88.8%   
Cost of deposits %3.14.7 65.5%   
Net Interest Margin %3.21.5 208.8%  
Net fixed assets Rs m21,49212,341 174.2%   
Share capital Rs m67,30574,279 90.6%   
Free reserves Rs m90,59740,710 222.5%   
Net worth Rs m157,902114,989 137.3%   
Borrowings Rs m107,65722,037 488.5%   
Investments Rs m690,420609,760 113.2%   
Total assets Rs m2,678,2721,515,299 176.7%  
Debt/equity ratio x15.511.9 130.0%   
Return on assets %1.0-1.5 -63.6%  
Return on equity %16.5-20.1 -81.9%  
Capital adequacy ratio %18.113.0 139.5%  
Net NPAs %0.38.7 2.9%  
CASH FLOW
From Operations Rs m-14,399-150,737 9.6%  
From Investments Rs m-1,751-732 239.1%  
From Financial Activity Rs m2,27945,761 5.0%  
Net Cashflow Rs m-13,871-105,708 13.1%  

Share Holding

Indian Promoters % 86.5 97.4 88.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 1.2 419.5%  
FIIs % 0.5 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 13.5 2.6 522.8%  
Shareholders   677,087 101,958 664.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANK OF MAHARASHTRA With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Bank of Maharashtra 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:

Bank of Maharashtra vs United Bank of India Share Price Performance

Period Bank of Maharashtra United Bank of India S&P BSE BANKEX
1-Day 5.24% -0.44% 0.82%
1-Month 7.43% -42.19% 2.48%
1-Year 169.65% -59.60% 19.28%
3-Year CAGR 44.61% -43.77% 12.00%
5-Year CAGR 35.55% -31.10% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Bank of Maharashtra hold a 86.5% 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 Bank of Maharashtra and the shareholding pattern of United Bank of India.

Finally, a word on dividends...

In the most recent financial year, Bank of Maharashtra paid a dividend of Rs 1.3 per share. This amounted to a Dividend Payout ratio of 33.6%.

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 Bank of Maharashtra, and the dividend history of United Bank of India.

For a sector overview, read our banking sector report.



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