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Compare City Union Bank with Dhanlaxmi Bank - Equitymaster
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CITY UNION BANK vs DHANLAXMI 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

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Current Valuations

    CITY UNION BANK DHANLAXMI BANK CITY UNION BANK/
DHANLAXMI BANK
 
P/E (TTM) x 18.7 1.6 1,192.0% View Chart
P/BV x 2.8 0.6 508.3% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   DHANLAXMI BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
DHANLAXMI BANK
Mar-14
CITY UNION BANK/
DHANLAXMI BANK
5-Yr Chart
Click to enlarge
High Rs16951 333.0%   
Low Rs9324 384.3%   
Income per share (Unadj.) Rs52.8102.6 51.5%  
Earnings per share (Unadj.) Rs8.4-20.0 -41.8%  
Cash flow per share (Unadj.) Rs18.0-12.9 -139.6%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.458.5 101.6%  
Shares outstanding (eoy) m601.06125.93 477.3%   
Bonus/Rights/Conversions ESOSOI-  
Avg Price / Income ratio x2.50.4 679.2%   
Avg P/E ratio x15.6-1.9 -836.1%  
Avg P/CF ratio x9.878.8 12.4%  
Avg Price/Bookvalue ratio x2.20.6 344.1%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,5894,710 1,668.6%   
No. of employees `0004.72.4 193.0%   
Total wages & salary Rs m2,9811,892 157.6%   
Avg. income/employee Rs Th6,768.65,316.7 127.3%   
Avg. wages/employee Rs Th635.8778.7 81.7%   
Avg. net profit/employee Rs Th1,072.2-1,036.7 -103.4%   
INCOME DATA
Interest income Rs m31,73812,920 245.7%  
Other income Rs m4,840734 659.1%   
Interest expense Rs m19,75010,118 195.2%   
Net interest income Rs m11,9882,801 427.9%  
Operating expense Rs m6,8903,475 198.3%   
Gross profit Rs m5,098-674 -756.7%  
Gross profit margin %16.1-5.2 -308.0%  
Provisions/contingencies Rs m3,0102,579 116.7%   
Profit before tax Rs m6,928-2,518 -275.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9001 211,111.1%   
Profit after tax Rs m5,028-2,519 -199.6%  
Net profit margin %15.8-19.5 -81.2%  
BALANCE SHEET DATA
Advances Rs m238,32779,360 300.3%   
Deposits Rs m301,157121,332 248.2%  
Credit/Deposit ratio x79.165.4 121.0%  
Yield on advances %10.911.8 92.1%   
Cost of deposits %6.47.6 85.1%   
Net Interest Margin %3.62.0 178.7%  
Net fixed assets Rs m2,1512,124 101.3%   
Share capital Rs m6011,259 47.7%   
Free reserves Rs m22,4554,086 549.5%   
Net worth Rs m35,7027,363 484.9%   
Borrowings Rs m5,31013,356 39.8%   
Investments Rs m70,31544,823 156.9%   
Total assets Rs m352,708146,876 240.1%  
Debt/equity ratio x8.618.3 46.9%   
Return on assets %1.4-1.7 -83.1%  
Return on equity %14.1-34.2 -41.2%  
Capital adequacy ratio %15.88.7 182.6%  
Net NPAs %1.73.8 45.0%  
CASH FLOW
From Operations Rs m2,8366,487 43.7%  
From Investments Rs m-503-243 206.9%  
From Financial Activity Rs m-441,138 -3.8%  
Net Cashflow Rs m2,2897,382 31.0%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 0.5 2,040.0%  
FIIs % 33.4 22.7 147.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 76.8 72.9%  
Shareholders   82,699 81,558 101.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   ANDHRA BANK  SYNDICATE BANK  BANK OF INDIA  CANARA BANK  SOUTH IND.BANK  

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



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