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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 15.4 7.8 197.6% View Chart
P/BV x 2.4 0.3 692.9% 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-17
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20992 227.0%   
Low Rs14555 265.6%   
Income per share (Unadj.) Rs51.21,282.5 4.0%  
Earnings per share (Unadj.) Rs8.9-313.3 -2.8%  
Cash flow per share (Unadj.) Rs17.0-496.9 -3.4%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.61,087.5 5.8%  
Shares outstanding (eoy) m664.7352.13 1,275.1%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.1 6,047.1%   
Avg P/E ratio x19.9-0.2 -8,488.7%  
Avg P/CF ratio x11.60.3 3,557.6%  
Avg Price/Bookvalue ratio x2.80.1 4,190.6%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,5913,821 3,077.4%   
No. of employees `0005.30.9 575.0%   
Total wages & salary Rs m3,15911,225 28.1%   
Avg. income/employee Rs Th6,396.772,278.9 8.9%   
Avg. wages/employee Rs Th593.912,135.6 4.9%   
Avg. net profit/employee Rs Th1,113.0-17,653.9 -6.3%   
INCOME DATA
Interest income Rs m34,02466,858 50.9%  
Other income Rs m5,3214,973 107.0%   
Interest expense Rs m19,72141,730 47.3%   
Net interest income Rs m14,30325,128 56.9%  
Operating expense Rs m7,54717,164 44.0%   
Gross profit Rs m6,7577,964 84.8%  
Gross profit margin %19.911.9 166.7%  
Provisions/contingencies Rs m4,17828,003 14.9%   
Profit before tax Rs m7,900-15,067 -52.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9801,263 156.7%   
Profit after tax Rs m5,920-16,330 -36.3%  
Net profit margin %17.4-24.4 -71.2%  
BALANCE SHEET DATA
Advances Rs m278,528498,161 55.9%   
Deposits Rs m328,526724,590 45.3%  
Credit/Deposit ratio x84.868.8 123.3%  
Yield on advances %10.29.6 106.2%   
Cost of deposits %5.95.6 104.2%   
Net Interest Margin %3.73.3 113.5%  
Net fixed assets Rs m2,23115,437 14.5%   
Share capital Rs m665522 127.5%   
Free reserves Rs m40,96827,885 146.9%   
Net worth Rs m41,63256,692 73.4%   
Borrowings Rs m17,35912,761 136.0%   
Investments Rs m78,791212,709 37.0%   
Total assets Rs m399,373820,121 48.7%  
Debt/equity ratio x8.313.0 63.9%   
Return on assets %1.5-2.0 -74.4%  
Return on equity %14.2-28.8 -49.4%  
Capital adequacy ratio %16.210.8 150.2%  
Net NPAs %1.75.1 33.6%  
CASH FLOW
From Operations Rs m-1,83124,571 -7.5%  
From Investments Rs m-605-8,614 7.0%  
From Financial Activity Rs m115,929 0.2%  
Net Cashflow Rs m-2,42521,886 -11.1%  

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:   INDUSIND BANK  ICICI BANK  SBI  INDIAN OVERSEAS BANK  BANK OF INDIA  

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



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