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Compare City Union Bank with IDBI Bank - Equitymaster

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CITY UNION BANK vs IDBI 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

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    CITY UNION BANK IDBI BANK CITY UNION BANK/
IDBI BANK
 
P/E (TTM) x 19.5 -1.7 - View Chart
P/BV x 3.1 0.4 760.8% View Chart
Dividend Yield % 0.2 1.2 13.4%  

Financials

 CITY UNION BANK   IDBI BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
IDBI BANK
Mar-15
CITY UNION BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs169113 149.4%   
Low Rs9360 154.7%   
Income per share (Unadj.) Rs52.8175.6 30.1%  
Earnings per share (Unadj.) Rs8.45.9 142.5%  
Cash flow per share (Unadj.) Rs18.06.0 297.4%  
Dividends per share (Unadj.) Rs0.300.75 40.0%  
Avg Dividend yield %0.20.9 26.4%  
Book value per share (Unadj.) Rs59.4152.0 39.1%  
Shares outstanding (eoy) m601.061,603.96 37.5%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x2.50.5 502.9%   
Avg P/E ratio x15.614.7 106.2%  
Avg P/CF ratio x9.82.6 383.1%  
Avg Price/Bookvalue ratio x2.20.6 386.9%  
Dividend payout %3.612.8 28.1%   
Avg Mkt Cap Rs m78,589138,662 56.7%   
No. of employees `0004.716.6 28.3%   
Total wages & salary Rs m2,98120,112 14.8%   
Avg. income/employee Rs Th6,768.617,012.5 39.8%   
Avg. wages/employee Rs Th635.81,214.9 52.3%   
Avg. net profit/employee Rs Th1,072.2568.9 188.5%   
INCOME DATA
Interest income Rs m31,738281,643 11.3%  
Other income Rs m4,84041,892 11.6%   
Interest expense Rs m19,750223,872 8.8%   
Net interest income Rs m11,98857,771 20.8%  
Operating expense Rs m6,89041,046 16.8%   
Gross profit Rs m5,09816,725 30.5%  
Gross profit margin %16.15.9 270.5%  
Provisions/contingencies Rs m3,01044,905 6.7%   
Profit before tax Rs m6,92813,403 51.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,9004,139 45.9%   
Profit after tax Rs m5,0289,418 53.4%  
Net profit margin %15.83.3 473.7%  
BALANCE SHEET DATA
Advances Rs m238,3272,083,769 11.4%   
Deposits Rs m301,1572,595,230 11.6%  
Credit/Deposit ratio x79.180.3 98.6%  
Yield on advances %10.910.0 108.7%   
Cost of deposits %6.46.8 94.8%   
Net Interest Margin %3.61.7 211.2%  
Net fixed assets Rs m2,15130,800 7.0%   
Share capital Rs m60116,040 3.7%   
Free reserves Rs m22,455156,910 14.3%   
Net worth Rs m35,702243,749 14.6%   
Borrowings Rs m5,310618,330 0.9%   
Investments Rs m70,3151,206,093 5.8%   
Total assets Rs m352,7083,559,309 9.9%  
Debt/equity ratio x8.613.2 65.1%   
Return on assets %1.40.3 538.7%  
Return on equity %14.13.9 364.5%  
Capital adequacy ratio %15.811.8 134.6%  
Net NPAs %1.72.9 59.4%  
CASH FLOW
From Operations Rs m2,836-19,906 -14.2%  
From Investments Rs m-503-2,716 18.5%  
From Financial Activity Rs m-44-610 7.2%  
Net Cashflow Rs m2,289-23,232 -9.9%  

Share Holding

Indian Promoters % 0.0 71.7 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 13.7 74.5%  
FIIs % 33.4 3.4 982.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 11.2 500.0%  
Shareholders   82,699 438,231 18.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   DENA BANK  SBI  DCB BANK  ICICI BANK  FEDERAL BANK  

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



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May 21, 2018 (Close)

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