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Compare City Union Bank with Federal Bank - Equitymaster
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CITY UNION BANK vs FEDERAL 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

FEDERAL BANK 
   Change

Federal Bank Ltd (FBL) (the erstwhile Travancore Federal Bank Limited) was incorporated with an authorised capital of Rs 5,000 in Central Travancore in the year 1931 under the Travancore Company's Act. The bank started business of auctionchitty and o... More

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Current Valuations

    CITY UNION BANK FEDERAL BANK CITY UNION BANK/
FEDERAL BANK
 
P/E (TTM) x 18.8 8.2 228.3% View Chart
P/BV x 2.8 1.0 297.8% View Chart
Dividend Yield % 0.2 0.8 22.6%  

Financials

 CITY UNION BANK   FEDERAL BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
FEDERAL BANK
Mar-16
CITY UNION BANK/
FEDERAL BANK
5-Yr Chart
Click to enlarge
High Rs16980 211.4%   
Low Rs9341 224.6%   
Income per share (Unadj.) Rs52.845.5 116.0%  
Earnings per share (Unadj.) Rs8.42.8 295.6%  
Cash flow per share (Unadj.) Rs18.011.2 160.6%  
Dividends per share (Unadj.) Rs0.300.70 42.9%  
Avg Dividend yield %0.21.2 19.8%  
Book value per share (Unadj.) Rs59.446.9 126.6%  
Shares outstanding (eoy) m601.061,718.95 35.0%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.51.3 186.1%   
Avg P/E ratio x15.621.4 73.1%  
Avg P/CF ratio x9.88.7 112.6%  
Avg Price/Bookvalue ratio x2.21.3 170.5%  
Dividend payout %3.624.7 14.5%   
Avg Mkt Cap Rs m78,589104,082 75.5%   
No. of employees `0004.711.7 40.0%   
Total wages & salary Rs m2,98110,742 27.8%   
Avg. income/employee Rs Th6,768.66,666.2 101.5%   
Avg. wages/employee Rs Th635.8915.4 69.5%   
Avg. net profit/employee Rs Th1,072.2414.5 258.7%   
INCOME DATA
Interest income Rs m31,73878,228 40.6%  
Other income Rs m4,8407,866 61.5%   
Interest expense Rs m19,75052,594 37.6%   
Net interest income Rs m11,98825,635 46.8%  
Operating expense Rs m6,89019,063 36.1%   
Gross profit Rs m5,0986,571 77.6%  
Gross profit margin %16.18.4 191.2%  
Provisions/contingencies Rs m3,0107,118 42.3%   
Profit before tax Rs m6,9287,319 94.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-15 0.0%   
Tax Rs m1,9002,440 77.9%   
Profit after tax Rs m5,0284,864 103.4%  
Net profit margin %15.86.2 254.8%  
BALANCE SHEET DATA
Advances Rs m238,327584,198 40.8%   
Deposits Rs m301,157791,709 38.0%  
Credit/Deposit ratio x79.173.8 107.2%  
Yield on advances %10.99.8 110.5%   
Cost of deposits %6.46.4 100.9%   
Net Interest Margin %3.63.0 118.9%  
Net fixed assets Rs m2,1515,236 41.1%   
Share capital Rs m6013,438 17.5%   
Free reserves Rs m22,45535,310 63.6%   
Net worth Rs m35,70280,641 44.3%   
Borrowings Rs m5,31022,983 23.1%   
Investments Rs m70,315219,825 32.0%   
Total assets Rs m352,708915,544 38.5%  
Debt/equity ratio x8.610.1 85.0%   
Return on assets %1.40.5 268.3%  
Return on equity %14.16.0 233.5%  
Capital adequacy ratio %15.813.9 113.6%  
Net NPAs %1.71.6 104.3%  
CASH FLOW
From Operations Rs m2,836-15,569 -18.2%  
From Investments Rs m-50324,948 -2.0%  
From Financial Activity Rs m-44-2,992 1.5%  
Net Cashflow Rs m2,2896,387 35.8%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 25.5 40.0%  
FIIs % 33.4 38.8 86.1%  
ADR/GDR % 0.0 2.2 -  
Free float % 56.0 33.0 169.7%  
Shareholders   82,699 82,469 100.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK  KOTAK MAH. BANK  KARNATAKA BANK  BANK OF INDIA  SBI  

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



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Feb 22, 2018 (Close)

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