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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 16.7 4.1 413.0% View Chart
P/BV x 2.8 0.3 994.5% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   J&K BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
J&K BANK
Mar-18
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20996 218.2%   
Low Rs14555 266.1%   
Income per share (Unadj.) Rs51.21,189.2 4.3%  
Earnings per share (Unadj.) Rs8.936.4 24.5%  
Cash flow per share (Unadj.) Rs17.0167.4 10.1%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.61,105.9 5.7%  
Shares outstanding (eoy) m664.7355.68 1,193.8%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.1 5,472.6%   
Avg P/E ratio x19.92.1 962.8%  
Avg P/CF ratio x11.60.3 3,848.4%  
Avg Price/Bookvalue ratio x2.80.1 4,159.2%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,5914,182 2,812.1%   
No. of employees `0005.31.0 521.0%   
Total wages & salary Rs m3,15912,869 24.5%   
Avg. income/employee Rs Th6,396.764,852.1 9.9%   
Avg. wages/employee Rs Th593.912,604.2 4.7%   
Avg. net profit/employee Rs Th1,113.01,985.2 56.1%   
INCOME DATA
Interest income Rs m34,02466,214 51.4%  
Other income Rs m5,3215,008 106.2%   
Interest expense Rs m19,72137,502 52.6%   
Net interest income Rs m14,30328,712 49.8%  
Operating expense Rs m7,54719,902 37.9%   
Gross profit Rs m6,7578,810 76.7%  
Gross profit margin %19.913.3 149.2%  
Provisions/contingencies Rs m4,17811,792 35.4%   
Profit before tax Rs m7,9001,209 653.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,980-818 -242.2%   
Profit after tax Rs m5,9202,027 292.1%  
Net profit margin %17.43.1 568.4%  
BALANCE SHEET DATA
Advances Rs m278,528569,127 48.9%   
Deposits Rs m328,526800,045 41.1%  
Credit/Deposit ratio x84.871.1 119.2%  
Yield on advances %10.28.7 116.6%   
Cost of deposits %5.94.5 129.9%   
Net Interest Margin %3.73.4 109.1%  
Net fixed assets Rs m2,23116,149 13.8%   
Share capital Rs m665557 119.3%   
Free reserves Rs m40,96832,336 126.7%   
Net worth Rs m41,63261,576 67.6%   
Borrowings Rs m17,35916,283 106.6%   
Investments Rs m78,791188,600 41.8%   
Total assets Rs m399,373896,844 44.5%  
Debt/equity ratio x8.313.3 62.7%   
Return on assets %1.50.2 655.9%  
Return on equity %14.23.3 432.0%  
Capital adequacy ratio %16.211.4 142.0%  
Net NPAs %1.74.9 34.7%  
CASH FLOW
From Operations Rs m-1,83123,627 -7.7%  
From Investments Rs m-605-1,639 36.9%  
From Financial Activity Rs m116,684 0.2%  
Net Cashflow Rs m-2,42528,672 -8.5%  

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:   UNITED BANK OF INDIA  KARNATAKA BANK  VIJAYA BANK  YES BANK  PUNJAB & SIND BANK  

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



Today's Market

Sensex Slumps 470 Points; Energy and Banking Stocks Witness Selling(Closing)

Indian share markets witnessed negative trading activity throughout the day and ended deep in the red. The BSE Sensex fell over 550 points intraday and breached the 36,000 mark.

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.

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K 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.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

J&K BANK Announces Quarterly Results (3QFY19); Net Profit Up 43.2% (Quarterly Result Update)

Jan 14, 2019 | Updated on Jan 14, 2019

For the quarter ended December 2018, J&K BANK has posted a net profit of Rs 1 bn (up 43.2% YoY). Sales on the other hand came in at Rs 20 bn (up 19.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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Sep 19, 2019 (Close)

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