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Compare City Union Bank with Development Credit Bank - Equitymaster

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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 18.6 20.1 92.8% View Chart
P/BV x 3.1 1.8 176.1% View Chart
Dividend Yield % 0.2 0.4 37.8%  

Financials

 CITY UNION BANK   DCB BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
DCB BANK
Mar-18
CITY UNION BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs169213 79.1%   
Low Rs93155 60.0%   
Income per share (Unadj.) Rs52.878.3 67.4%  
Earnings per share (Unadj.) Rs8.48.0 105.0%  
Cash flow per share (Unadj.) Rs18.033.4 53.9%  
Dividends per share (Unadj.) Rs0.300.75 40.0%  
Avg Dividend yield %0.20.4 56.3%  
Book value per share (Unadj.) Rs59.491.1 65.2%  
Shares outstanding (eoy) m601.06308.08 195.1%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.52.3 105.4%   
Avg P/E ratio x15.623.1 67.7%  
Avg P/CF ratio x9.814.8 66.3%  
Avg Price/Bookvalue ratio x2.22.0 109.0%  
Dividend payout %3.69.4 38.1%   
Avg Mkt Cap Rs m78,58956,671 138.7%   
No. of employees `0004.75.8 81.0%   
Total wages & salary Rs m2,9813,812 78.2%   
Avg. income/employee Rs Th6,768.64,167.5 162.4%   
Avg. wages/employee Rs Th635.8658.4 96.6%   
Avg. net profit/employee Rs Th1,072.2423.7 253.0%   
INCOME DATA
Interest income Rs m31,73824,130 131.5%  
Other income Rs m4,8403,103 156.0%   
Interest expense Rs m19,75014,176 139.3%   
Net interest income Rs m11,9889,954 120.4%  
Operating expense Rs m6,8907,807 88.2%   
Gross profit Rs m5,0982,147 237.4%  
Gross profit margin %16.18.9 180.5%  
Provisions/contingencies Rs m3,0101,388 216.8%   
Profit before tax Rs m6,9283,862 179.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9001,408 134.9%   
Profit after tax Rs m5,0282,453 204.9%  
Net profit margin %15.810.2 155.8%  
BALANCE SHEET DATA
Advances Rs m238,327203,367 117.2%   
Deposits Rs m301,157240,069 125.4%  
Credit/Deposit ratio x79.184.7 93.4%  
Yield on advances %10.99.5 113.9%   
Cost of deposits %6.45.4 120.2%   
Net Interest Margin %3.63.4 103.2%  
Net fixed assets Rs m2,1514,940 43.5%   
Share capital Rs m6013,081 19.5%   
Free reserves Rs m22,45524,983 89.9%   
Net worth Rs m35,70228,064 127.2%   
Borrowings Rs m5,31019,267 27.6%   
Investments Rs m70,31562,190 113.1%   
Total assets Rs m352,708302,221 116.7%  
Debt/equity ratio x8.69.2 92.9%   
Return on assets %1.40.8 175.6%  
Return on equity %14.18.7 161.1%  
Capital adequacy ratio %15.816.5 96.1%  
Net NPAs %1.70.7 237.5%  
CASH FLOW
From Operations Rs m2,8362,301 123.3%  
From Investments Rs m-503-592 85.0%  
From Financial Activity Rs m-4410,087 -0.4%  
Net Cashflow Rs m2,28911,795 19.4%  

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:   BANK OF INDIA  ING VYSYA BANK  YES BANK  INDUSIND BANK  DENA BANK  

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



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Jun 25, 2018 (Close)

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