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Compare City Union Bank with J&K Bank - Equitymaster

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CITY UNION BANK vs J&K 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

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    CITY UNION BANK J&K BANK CITY UNION BANK/
J&K BANK
 
P/E (TTM) x 18.0 12.4 144.3% View Chart
P/BV x 3.1 0.5 624.4% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   J&K BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
J&K BANK
Mar-17
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs16992 183.2%   
Low Rs9355 170.3%   
Income per share (Unadj.) Rs52.81,282.5 4.1%  
Earnings per share (Unadj.) Rs8.4-313.3 -2.7%  
Cash flow per share (Unadj.) Rs18.0-496.9 -3.6%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.41,087.5 5.5%  
Shares outstanding (eoy) m601.0652.13 1,153.0%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.1 4,332.5%   
Avg P/E ratio x15.6-0.2 -6,680.1%  
Avg P/CF ratio x9.80.3 2,987.0%  
Avg Price/Bookvalue ratio x2.20.1 3,265.9%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,5893,821 2,056.7%   
No. of employees `0004.70.9 506.9%   
Total wages & salary Rs m2,98111,225 26.6%   
Avg. income/employee Rs Th6,768.672,278.9 9.4%   
Avg. wages/employee Rs Th635.812,135.6 5.2%   
Avg. net profit/employee Rs Th1,072.2-17,653.9 -6.1%   
INCOME DATA
Interest income Rs m31,73866,858 47.5%  
Other income Rs m4,8404,973 97.3%   
Interest expense Rs m19,75041,730 47.3%   
Net interest income Rs m11,98825,128 47.7%  
Operating expense Rs m6,89017,164 40.1%   
Gross profit Rs m5,0987,964 64.0%  
Gross profit margin %16.111.9 134.9%  
Provisions/contingencies Rs m3,01028,003 10.7%   
Profit before tax Rs m6,928-15,067 -46.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9001,263 150.4%   
Profit after tax Rs m5,028-16,330 -30.8%  
Net profit margin %15.8-24.4 -64.9%  
BALANCE SHEET DATA
Advances Rs m238,327498,161 47.8%   
Deposits Rs m301,157724,590 41.6%  
Credit/Deposit ratio x79.168.8 115.1%  
Yield on advances %10.99.6 113.2%   
Cost of deposits %6.45.6 114.6%   
Net Interest Margin %3.63.3 108.1%  
Net fixed assets Rs m2,15115,437 13.9%   
Share capital Rs m601522 115.3%   
Free reserves Rs m22,45527,885 80.5%   
Net worth Rs m35,70256,692 63.0%   
Borrowings Rs m5,31012,761 41.6%   
Investments Rs m70,315212,709 33.1%   
Total assets Rs m352,708820,121 43.0%  
Debt/equity ratio x8.613.0 66.0%   
Return on assets %1.4-2.0 -71.6%  
Return on equity %14.1-28.8 -48.9%  
Capital adequacy ratio %15.810.8 146.6%  
Net NPAs %1.75.1 33.8%  
CASH FLOW
From Operations Rs m2,83624,571 11.5%  
From Investments Rs m-503-8,614 5.8%  
From Financial Activity Rs m-445,929 -0.7%  
Net Cashflow Rs m2,28921,886 10.5%  

Share Holding

Indian Promoters % 0.0 53.2 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 4.3 237.2%  
FIIs % 33.4 29.3 114.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 13.3 421.1%  
Shareholders   82,699 56,111 147.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   PNB  INDIAN OVERSEAS BANK  BANK OF INDIA  BANK OF MAHARASHTRA  SYNDICATE BANK  

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



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CITY UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 15.2% (Quarterly Result Update)

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