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CITY UNION BANK vs DCB 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

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    CITY UNION BANK DCB BANK CITY UNION BANK/
DCB BANK
 
P/E (TTM) x 16.8 16.3 102.8% View Chart
P/BV x 2.9 1.8 161.4% View Chart
Dividend Yield % 0.2 0.5 29.5%  

Financials

 CITY UNION BANK   DCB BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
DCB BANK
Mar-19
CITY UNION BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs209209 100.1%   
Low Rs145140 103.9%   
Income per share (Unadj.) Rs51.298.3 52.1%  
Earnings per share (Unadj.) Rs8.910.5 84.7%  
Cash flow per share (Unadj.) Rs17.039.4 43.0%  
Dividends per share (Unadj.) Rs0.301.00 30.0%  
Avg Dividend yield %0.20.6 29.5%  
Book value per share (Unadj.) Rs62.6100.6 62.2%  
Shares outstanding (eoy) m664.73309.55 214.7%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.51.8 195.2%   
Avg P/E ratio x19.916.6 120.0%  
Avg P/CF ratio x11.611.6 100.6%  
Avg Price/Bookvalue ratio x2.81.7 163.3%  
Dividend payout %3.49.5 35.4%   
Avg Mkt Cap Rs m117,59153,862 218.3%   
No. of employees `0005.36.1 86.7%   
Total wages & salary Rs m3,1594,340 72.8%   
Avg. income/employee Rs Th6,396.74,958.4 129.0%   
Avg. wages/employee Rs Th593.9707.5 83.9%   
Avg. net profit/employee Rs Th1,113.0530.4 209.8%   
INCOME DATA
Interest income Rs m34,02430,415 111.9%  
Other income Rs m5,3213,502 152.0%   
Interest expense Rs m19,72118,922 104.2%   
Net interest income Rs m14,30311,493 124.5%  
Operating expense Rs m7,5478,529 88.5%   
Gross profit Rs m6,7572,964 227.9%  
Gross profit margin %19.99.7 203.7%  
Provisions/contingencies Rs m4,1781,401 298.3%   
Profit before tax Rs m7,9005,065 156.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9801,812 109.3%   
Profit after tax Rs m5,9203,254 181.9%  
Net profit margin %17.410.7 162.6%  
BALANCE SHEET DATA
Advances Rs m278,528235,680 118.2%   
Deposits Rs m328,526284,351 115.5%  
Credit/Deposit ratio x84.882.9 102.3%  
Yield on advances %10.210.4 98.2%   
Cost of deposits %5.96.0 97.6%   
Net Interest Margin %3.73.4 110.9%  
Net fixed assets Rs m2,2315,260 42.4%   
Share capital Rs m6653,096 21.5%   
Free reserves Rs m40,96828,049 146.1%   
Net worth Rs m41,63231,144 133.7%   
Borrowings Rs m17,35927,232 63.7%   
Investments Rs m78,79178,441 100.4%   
Total assets Rs m399,373357,918 111.6%  
Debt/equity ratio x8.310.0 83.0%   
Return on assets %1.50.9 163.1%  
Return on equity %14.210.4 136.1%  
Capital adequacy ratio %16.216.8 96.5%  
Net NPAs %1.70.7 261.5%  
CASH FLOW
From Operations Rs m-1,831-2,813 65.1%  
From Investments Rs m-605-764 79.2%  
From Financial Activity Rs m117,792 0.1%  
Net Cashflow Rs m-2,4254,214 -57.6%  

Share Holding

Indian Promoters % 0.0 0.9 -  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 10.2 23.2 44.0%  
FIIs % 33.4 15.0 222.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 45.5 123.1%  
Shareholders   82,699 184,073 44.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   ALLAHABAD BANK  VIJAYA BANK  DHANLAXMI BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



Today's Market

Sensex Slips Over 300 Points; Axis Bank & Tech Mahindra Top Losers(12:30 pm)

Share markets in India have extended early losses and are presently trading deep in the red. Barring consumer durables sector, all sectoral indices are trading in red with stocks in the telecom sector.

Related Views on News

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (1QFY20); Net Profit Up 16.6% (Quarterly Result Update)

Jul 17, 2019 | Updated on Jul 17, 2019

For the quarter ended June 2019, DCB BANK has posted a net profit of Rs 811 m (up 16.6% YoY). Sales on the other hand came in at Rs 9 bn (up 22.3% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (4QFY19); Net Profit Up 50.0% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, DCB BANK has posted a net profit of Rs 963 m (up 50.0% YoY). Sales on the other hand came in at Rs 8 bn (up 27.4% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

DCB BANK Announces Quarterly Results (3QFY19); Net Profit Up 51.0% (Quarterly Result Update)

Jan 17, 2019 | Updated on Jan 17, 2019

For the quarter ended December 2018, DCB BANK has posted a net profit of Rs 861 m (up 51.0% YoY). Sales on the other hand came in at Rs 8 bn (up 27.3% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

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Sep 17, 2019 03:35 PM

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