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Compare City Union Bank with HDFC Bank - Equitymaster

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CITY UNION BANK vs HDFC 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

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    CITY UNION BANK HDFC BANK CITY UNION BANK/
HDFC BANK
 
P/E (TTM) x 18.7 30.1 62.2% View Chart
P/BV x 3.1 4.7 65.9% View Chart
Dividend Yield % 0.2 0.6 25.2%  

Financials

 CITY UNION BANK   HDFC BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
HDFC BANK
Mar-18
CITY UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs1692,014 8.4%   
Low Rs931,425 6.5%   
Income per share (Unadj.) Rs52.8328.7 16.1%  
Earnings per share (Unadj.) Rs8.471.3 11.7%  
Cash flow per share (Unadj.) Rs18.0176.4 10.2%  
Dividends per share (Unadj.) Rs0.3013.00 2.3%  
Avg Dividend yield %0.20.8 30.3%  
Book value per share (Unadj.) Rs59.4422.3 14.1%  
Shares outstanding (eoy) m601.062,595.09 23.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.55.2 47.3%   
Avg P/E ratio x15.624.1 64.8%  
Avg P/CF ratio x9.817.8 55.0%  
Avg Price/Bookvalue ratio x2.24.1 54.1%  
Dividend payout %3.618.2 19.7%   
Avg Mkt Cap Rs m78,5894,462,257 1.8%   
No. of employees `0004.788.3 5.3%   
Total wages & salary Rs m2,98191,939 3.2%   
Avg. income/employee Rs Th6,768.69,664.0 70.0%   
Avg. wages/employee Rs Th635.81,041.8 61.0%   
Avg. net profit/employee Rs Th1,072.22,097.4 51.1%   
INCOME DATA
Interest income Rs m31,738852,878 3.7%  
Other income Rs m4,840160,566 3.0%   
Interest expense Rs m19,750423,815 4.7%   
Net interest income Rs m11,988429,064 2.8%  
Operating expense Rs m6,890239,272 2.9%   
Gross profit Rs m5,098189,791 2.7%  
Gross profit margin %16.122.3 72.2%  
Provisions/contingencies Rs m3,01065,718 4.6%   
Profit before tax Rs m6,928283,612 2.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0513 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m1,90099,031 1.9%   
Profit after tax Rs m5,028185,100 2.7%  
Net profit margin %15.821.7 73.0%  
BALANCE SHEET DATA
Advances Rs m238,3277,000,338 3.4%   
Deposits Rs m301,1577,883,751 3.8%  
Credit/Deposit ratio x79.188.8 89.1%  
Yield on advances %10.99.7 112.4%   
Cost of deposits %6.44.2 155.1%   
Net Interest Margin %3.64.0 87.9%  
Net fixed assets Rs m2,15138,106 5.6%   
Share capital Rs m6015,190 11.6%   
Free reserves Rs m22,455832,486 2.7%   
Net worth Rs m35,7021,095,991 3.3%   
Borrowings Rs m5,3101,564,421 0.3%   
Investments Rs m70,3152,384,609 2.9%   
Total assets Rs m352,70811,031,862 3.2%  
Debt/equity ratio x8.68.6 99.6%   
Return on assets %1.41.7 85.0%  
Return on equity %14.116.9 83.4%  
Capital adequacy ratio %15.814.8 107.0%  
Net NPAs %1.70.4 427.5%  
CASH FLOW
From Operations Rs m2,836172,144 1.6%  
From Investments Rs m-503-8,522 5.9%  
From Financial Activity Rs m-44573,777 -0.0%  
Net Cashflow Rs m2,289737,399 0.3%  

Share Holding

Indian Promoters % 0.0 22.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 9.9 103.0%  
FIIs % 33.4 34.1 97.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 56.0 16.4 341.5%  
Shareholders   82,699 415,166 19.9%  
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  J&K BANK  DENA BANK  

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



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