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Compare City Union Bank with Andhra Bank - Equitymaster
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CITY UNION BANK vs ANDHRA BANK - Comparison Results

CITY UNION BANK    Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    CITY UNION BANK ANDHRA BANK CITY UNION BANK/
ANDHRA BANK
 
P/E (TTM) x 19.2 15.7 122.2% View Chart
P/BV x 3.1 0.3 1,121.3% View Chart
Dividend Yield % 0.8 1.0 76.3%  

Financials

 CITY UNION BANK   ANDHRA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
ANDHRA BANK
Mar-16
CITY UNION BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs9888 112.0%   
Low Rs7742 184.0%   
Income per share (Unadj.) Rs49.2258.9 19.0%  
Earnings per share (Unadj.) Rs7.47.9 93.8%  
Cash flow per share (Unadj.) Rs15.514.3 108.8%  
Dividends per share (Unadj.) Rs1.200.50 240.0%  
Avg Dividend yield %1.40.8 177.4%  
Book value per share (Unadj.) Rs51.0161.4 31.6%  
Shares outstanding (eoy) m598.19681.16 87.8%   
Bonus/Rights/Conversions ESOSOI-  
Avg Price / Income ratio x1.80.2 711.5%   
Avg P/E ratio x11.88.2 144.2%  
Avg P/CF ratio x7.71.3 615.0%  
Avg Price/Bookvalue ratio x1.70.4 427.9%  
Dividend payout %16.16.3 255.9%   
Avg Mkt Cap Rs m52,31244,037 118.8%   
No. of employees `0004.518.7 24.2%   
Total wages & salary Rs m2,13217,679 12.1%   
Avg. income/employee Rs Th6,518.19,452.6 69.0%   
Avg. wages/employee Rs Th471.9947.6 49.8%   
Avg. net profit/employee Rs Th984.5289.4 340.2%   
INCOME DATA
Interest income Rs m29,442176,347 16.7%  
Other income Rs m4,10015,645 26.2%   
Interest expense Rs m19,632123,137 15.9%   
Net interest income Rs m9,81053,210 18.4%  
Operating expense Rs m5,57729,254 19.1%   
Gross profit Rs m4,23323,955 17.7%  
Gross profit margin %14.413.6 105.8%  
Provisions/contingencies Rs m2,30629,560 7.8%   
Profit before tax Rs m6,02710,040 60.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,5804,642 34.0%   
Profit after tax Rs m4,4475,398 82.4%  
Net profit margin %15.13.1 493.4%  
BALANCE SHEET DATA
Advances Rs m210,5691,307,879 16.1%   
Deposits Rs m271,5811,743,024 15.6%  
Credit/Deposit ratio x77.575.0 103.3%  
Yield on advances %11.210.3 109.2%   
Cost of deposits %7.16.5 108.2%   
Net Interest Margin %3.32.7 119.1%  
Net fixed assets Rs m2,17613,684 15.9%   
Share capital Rs m5986,812 8.8%   
Free reserves Rs m19,30150,615 38.1%   
Net worth Rs m30,520109,944 27.8%   
Borrowings Rs m1,12697,156 1.2%   
Investments Rs m63,245538,642 11.7%   
Total assets Rs m312,5201,999,618 15.6%  
Debt/equity ratio x8.916.7 53.4%   
Return on assets %1.40.3 527.1%  
Return on equity %14.64.9 296.7%  
Capital adequacy ratio %15.611.6 134.5%  
Net NPAs %1.54.6 33.2%  
CASH FLOW
From Operations Rs m1,98577,096 2.6%  
From Investments Rs m-600-2,707 22.2%  
From Financial Activity Rs m-752-61,303 1.2%  
Net Cashflow Rs m63313,086 4.8%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 10.9 93.6%  
FIIs % 33.4 11.5 290.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 17.4 321.8%  
Shareholders   82,699 222,746 37.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   CANARA BANK  PNB  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

Compare CITY UNION BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Aug 22, 2017 (Close)

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