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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 16.9 12.4 136.7% View Chart
P/BV x 2.9 1.4 208.7% View Chart
Dividend Yield % 0.1 1.2 12.7%  

Financials

 CITY UNION BANK   FEDERAL BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
FEDERAL BANK
Mar-18
CITY UNION BANK/
FEDERAL BANK
5-Yr Chart
Click to enlarge
High Rs209128 163.4%   
Low Rs14588 165.7%   
Income per share (Unadj.) Rs51.250.3 101.8%  
Earnings per share (Unadj.) Rs8.94.7 187.8%  
Cash flow per share (Unadj.) Rs17.014.9 113.9%  
Dividends per share (Unadj.) Rs0.301.00 30.0%  
Avg Dividend yield %0.20.9 18.3%  
Book value per share (Unadj.) Rs62.662.2 100.6%  
Shares outstanding (eoy) m664.731,972.14 33.7%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.52.1 161.4%   
Avg P/E ratio x19.922.7 87.5%  
Avg P/CF ratio x11.611.1 104.5%  
Avg Price/Bookvalue ratio x2.81.7 163.3%  
Dividend payout %3.421.1 16.0%   
Avg Mkt Cap Rs m117,591212,301 55.4%   
No. of employees `0005.312.1 43.9%   
Total wages & salary Rs m3,15912,768 24.7%   
Avg. income/employee Rs Th6,396.78,186.0 78.1%   
Avg. wages/employee Rs Th593.91,054.2 56.3%   
Avg. net profit/employee Rs Th1,113.0772.3 144.1%   
INCOME DATA
Interest income Rs m34,02499,149 34.3%  
Other income Rs m5,32111,602 45.9%   
Interest expense Rs m19,72162,264 31.7%   
Net interest income Rs m14,30336,885 38.8%  
Operating expense Rs m7,54725,047 30.1%   
Gross profit Rs m6,75711,837 57.1%  
Gross profit margin %19.911.9 166.3%  
Provisions/contingencies Rs m4,1789,693 43.1%   
Profit before tax Rs m7,90013,747 57.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0258 0.0%   
Tax Rs m1,9804,650 42.6%   
Profit after tax Rs m5,9209,354 63.3%  
Net profit margin %17.49.4 184.4%  
BALANCE SHEET DATA
Advances Rs m278,528930,109 29.9%   
Deposits Rs m328,5261,119,701 29.3%  
Credit/Deposit ratio x84.883.1 102.1%  
Yield on advances %10.28.3 123.2%   
Cost of deposits %5.95.1 114.8%   
Net Interest Margin %3.72.8 134.2%  
Net fixed assets Rs m2,2314,614 48.4%   
Share capital Rs m6653,944 16.9%   
Free reserves Rs m40,96868,681 59.6%   
Net worth Rs m41,632122,742 33.9%   
Borrowings Rs m17,359123,288 14.1%   
Investments Rs m78,791305,947 25.8%   
Total assets Rs m399,3731,392,137 28.7%  
Debt/equity ratio x8.310.1 82.0%   
Return on assets %1.50.7 220.6%  
Return on equity %14.27.6 186.6%  
Capital adequacy ratio %16.214.7 110.3%  
Net NPAs %1.71.7 100.6%  
CASH FLOW
From Operations Rs m-1,831-50,509 3.6%  
From Investments Rs m-605-15,793 3.8%  
From Financial Activity Rs m1183,706 0.0%  
Net Cashflow Rs m-2,42517,406 -13.9%  

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:   KOTAK MAHINDRA BANK  BANDHAN BANK LTD  CANARA BANK  HDFC BANK  IDFC FIRST BANK  

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



Today's Market

Sensex Trades Marginally Higher; Tata Steel & Bajaj Finance Top Gainers(12:30 pm)

Share markets in India are presently trading on a positive note, tracking gains in global peers. US President Donald Trump said he did not want war.

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.

FEDERAL BANK Announces Quarterly Results (1QFY20); Net Profit Up 46.2% (Quarterly Result Update)

Jul 19, 2019 | Updated on Jul 19, 2019

For the quarter ended June 2019, FEDERAL BANK has posted a net profit of Rs 4 bn (up 46.2% YoY). Sales on the other hand came in at Rs 32 bn (up 21.1% YoY). Read on for a complete analysis of FEDERAL 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.

FEDERAL BANK Announces Quarterly Results (4QFY19); Net Profit Up 163.1% (Quarterly Result Update)

May 7, 2019 | Updated on May 7, 2019

For the quarter ended March 2019, FEDERAL BANK has posted a net profit of Rs 4 bn (up 163.1% YoY). Sales on the other hand came in at Rs 30 bn (up 19.0% YoY). Read on for a complete analysis of FEDERAL BANK's quarterly results.

FEDERAL BANK Announces Quarterly Results (3QFY19); Net Profit Up 28.3% (Quarterly Result Update)

Jan 18, 2019 | Updated on Jan 18, 2019

For the quarter ended December 2018, FEDERAL BANK has posted a net profit of Rs 3 bn (up 28.3% YoY). Sales on the other hand came in at Rs 30 bn (up 18.1% YoY). Read on for a complete analysis of FEDERAL BANK's quarterly results.

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