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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 19.5 3.9 499.8% View Chart
P/BV x 3.1 0.4 776.4% View Chart
Dividend Yield % 0.2 4.2 3.9%  

Financials

 CITY UNION BANK   J&K BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
J&K BANK
Mar-15
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs169119 141.7%   
Low Rs9395 97.9%   
Income per share (Unadj.) Rs52.81,456.5 3.6%  
Earnings per share (Unadj.) Rs8.4104.9 8.0%  
Cash flow per share (Unadj.) Rs18.0251.8 7.1%  
Dividends per share (Unadj.) Rs0.302.10 14.3%  
Avg Dividend yield %0.22.0 11.7%  
Book value per share (Unadj.) Rs59.41,260.0 4.7%  
Shares outstanding (eoy) m601.0648.48 1,239.8%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.1 3,372.2%   
Avg P/E ratio x15.61.0 1,532.9%  
Avg P/CF ratio x9.80.3 2,873.9%  
Avg Price/Bookvalue ratio x2.20.1 2,593.3%  
Dividend payout %3.62.0 179.1%   
Avg Mkt Cap Rs m78,5895,185 1,515.7%   
No. of employees `0004.71.0 488.4%   
Total wages & salary Rs m2,9818,976 33.2%   
Avg. income/employee Rs Th6,768.673,553.4 9.2%   
Avg. wages/employee Rs Th635.89,349.6 6.8%   
Avg. net profit/employee Rs Th1,072.25,296.7 20.2%   
INCOME DATA
Interest income Rs m31,73870,611 44.9%  
Other income Rs m4,8405,990 80.8%   
Interest expense Rs m19,75044,086 44.8%   
Net interest income Rs m11,98826,526 45.2%  
Operating expense Rs m6,89014,159 48.7%   
Gross profit Rs m5,09812,366 41.2%  
Gross profit margin %16.117.5 91.7%  
Provisions/contingencies Rs m3,01010,155 29.6%   
Profit before tax Rs m6,9288,202 84.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9003,117 61.0%   
Profit after tax Rs m5,0285,085 98.9%  
Net profit margin %15.87.2 220.0%  
BALANCE SHEET DATA
Advances Rs m238,327445,858 53.5%   
Deposits Rs m301,157657,362 45.8%  
Credit/Deposit ratio x79.167.8 116.7%  
Yield on advances %10.911.6 93.9%   
Cost of deposits %6.46.4 100.8%   
Net Interest Margin %3.63.6 98.3%  
Net fixed assets Rs m2,1516,896 31.2%   
Share capital Rs m601485 124.0%   
Free reserves Rs m22,45539,499 56.8%   
Net worth Rs m35,70261,085 58.4%   
Borrowings Rs m5,31023,396 22.7%   
Investments Rs m70,315251,043 28.0%   
Total assets Rs m352,708760,645 46.4%  
Debt/equity ratio x8.611.1 77.0%   
Return on assets %1.40.7 213.2%  
Return on equity %14.18.3 169.2%  
Capital adequacy ratio %15.812.6 125.9%  
Net NPAs %1.72.8 61.7%  
CASH FLOW
From Operations Rs m2,8361,181 240.2%  
From Investments Rs m-503-2,609 19.3%  
From Financial Activity Rs m-44-3,376 1.3%  
Net Cashflow Rs m2,289-4,805 -47.6%  

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:   KOTAK MAH. BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  IDBI BANK  KARUR VYSYA BANK  

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



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May 21, 2018 (Close)

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