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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 17.5 28.7 61.0% View Chart
P/BV x 2.9 3.9 72.9% View Chart
Dividend Yield % 0.1 0.6 23.7%  

Financials

 CITY UNION BANK   HDFC BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
HDFC BANK
Mar-19
CITY UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs2092,327 9.0%   
Low Rs1451,880 7.7%   
Income per share (Unadj.) Rs51.2386.2 13.3%  
Earnings per share (Unadj.) Rs8.982.0 10.9%  
Cash flow per share (Unadj.) Rs17.0196.5 8.6%  
Dividends per share (Unadj.) Rs0.3015.00 2.0%  
Avg Dividend yield %0.20.7 23.8%  
Book value per share (Unadj.) Rs62.6564.3 11.1%  
Shares outstanding (eoy) m664.732,723.31 24.4%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.55.4 63.4%   
Avg P/E ratio x19.925.7 77.4%  
Avg P/CF ratio x11.618.7 62.4%  
Avg Price/Bookvalue ratio x2.83.7 75.8%  
Dividend payout %3.418.3 18.4%   
Avg Mkt Cap Rs m117,5915,728,891 2.1%   
No. of employees `0005.398.1 5.4%   
Total wages & salary Rs m3,159104,512 3.0%   
Avg. income/employee Rs Th6,396.710,724.0 59.6%   
Avg. wages/employee Rs Th593.91,065.8 55.7%   
Avg. net profit/employee Rs Th1,113.02,277.4 48.9%   
INCOME DATA
Interest income Rs m34,0241,051,607 3.2%  
Other income Rs m5,321189,471 2.8%   
Interest expense Rs m19,721537,127 3.7%   
Net interest income Rs m14,303514,481 2.8%  
Operating expense Rs m7,547276,948 2.7%   
Gross profit Rs m6,757237,533 2.8%  
Gross profit margin %19.922.6 87.9%  
Provisions/contingencies Rs m4,17883,822 5.0%   
Profit before tax Rs m7,900340,918 2.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m01,132 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,980118,726 1.7%   
Profit after tax Rs m5,920223,324 2.7%  
Net profit margin %17.421.2 81.9%  
BALANCE SHEET DATA
Advances Rs m278,5288,692,227 3.2%   
Deposits Rs m328,5269,225,027 3.6%  
Credit/Deposit ratio x84.894.2 90.0%  
Yield on advances %10.29.6 105.9%   
Cost of deposits %5.94.4 131.8%   
Net Interest Margin %3.74.2 89.7%  
Net fixed assets Rs m2,23142,198 5.3%   
Share capital Rs m6655,447 12.2%   
Free reserves Rs m40,9681,531,280 2.7%   
Net worth Rs m41,6321,536,727 2.7%   
Borrowings Rs m17,3591,577,328 1.1%   
Investments Rs m78,7912,869,177 2.7%   
Total assets Rs m399,37312,928,057 3.1%  
Debt/equity ratio x8.37.0 118.2%   
Return on assets %1.51.7 85.8%  
Return on equity %14.214.5 97.8%  
Capital adequacy ratio %16.217.1 94.9%  
Net NPAs %1.70.4 435.9%  
CASH FLOW
From Operations Rs m-1,831-628,715 0.3%  
From Investments Rs m-605-15,984 3.8%  
From Financial Activity Rs m11231,307 0.0%  
Net Cashflow Rs m-2,425-412,439 0.6%  

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:   ALLAHABAD BANK  ORIENTAL BANK  KARNATAKA BANK  DENA BANK  KOTAK MAHINDRA BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

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.

HDFC BANK Announces Quarterly Results (4QFY19); Net Profit Up 22.6% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, HDFC BANK has posted a net profit of Rs 59 bn (up 22.6% YoY). Sales on the other hand came in at Rs 263 bn (up 23.5% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

HDFC BANK Announces Quarterly Results (3QFY19); Net Profit Up 20.3% (Quarterly Result Update)

Jan 21, 2019 | Updated on Jan 21, 2019

For the quarter ended December 2018, HDFC BANK has posted a net profit of Rs 56 bn (up 20.3% YoY). Sales on the other hand came in at Rs 259 bn (up 25.8% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

HDFC BANK Announces Quarterly Results (2QFY19); Net Profit Up 20.6% (Quarterly Result Update)

Oct 23, 2018 | Updated on Oct 23, 2018

For the quarter ended September 2018, HDFC BANK has posted a net profit of Rs 50 bn (up 20.6% YoY). Sales on the other hand came in at Rs 242 bn (up 23.0% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

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