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 19.8 3.1 646.8% View Chart
P/BV x 3.0 0.2 1,387.9% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   J&K BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-19
J&K BANK
Mar-18
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20796 216.5%   
Low Rs15755 288.1%   
Income per share (Unadj.) Rs51.31,189.2 4.3%  
Earnings per share (Unadj.) Rs9.336.4 25.5%  
Cash flow per share (Unadj.) Rs20.4167.4 12.2%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.30-  
Book value per share (Unadj.) Rs65.91,105.9 6.0%  
Shares outstanding (eoy) m734.5055.68 1,319.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x3.60.1 5,622.1%   
Avg P/E ratio x19.62.1 949.4%  
Avg P/CF ratio x13.40.3 4,428.9%  
Avg Price/Bookvalue ratio x2.80.1 4,068.7%  
Dividend payout %5.40-   
Avg Mkt Cap Rs m133,7524,182 3,198.6%   
No. of employees `0005.51.0 540.5%   
Total wages & salary Rs m3,64412,869 28.3%   
Avg. income/employee Rs Th6,827.164,852.1 10.5%   
Avg. wages/employee Rs Th660.512,604.2 5.2%   
Avg. net profit/employee Rs Th1,237.51,985.2 62.3%   
INCOME DATA
Interest income Rs m37,67266,214 56.9%  
Other income Rs m5,1445,008 102.7%   
Interest expense Rs m21,55737,502 57.5%   
Net interest income Rs m16,11528,712 56.1%  
Operating expense Rs m8,85919,902 44.5%   
Gross profit Rs m7,2568,810 82.4%  
Gross profit margin %19.313.3 144.8%  
Provisions/contingencies Rs m3,15111,792 26.7%   
Profit before tax Rs m9,2491,209 764.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,420-818 -296.0%   
Profit after tax Rs m6,8292,027 336.9%  
Net profit margin %18.13.1 592.1%  
BALANCE SHEET DATA
Advances Rs m326,733569,127 57.4%   
Deposits Rs m384,480800,045 48.1%  
Credit/Deposit ratio x85.071.1 119.5%  
Yield on advances %9.78.7 111.2%   
Cost of deposits %5.54.5 121.4%   
Net Interest Margin %3.73.4 108.8%  
Net fixed assets Rs m2,50016,149 15.5%   
Share capital Rs m735557 131.9%   
Free reserves Rs m47,67332,336 147.4%   
Net worth Rs m48,40861,576 78.6%   
Borrowings Rs m4,80916,283 29.5%   
Investments Rs m77,122188,600 40.9%   
Total assets Rs m452,589896,844 50.5%  
Debt/equity ratio x8.013.3 60.7%   
Return on assets %1.50.2 667.6%  
Return on equity %14.13.3 428.5%  
Capital adequacy ratio %15.611.4 136.2%  
Net NPAs %1.84.9 36.9%  
CASH FLOW
From Operations Rs m3,96923,627 16.8%  
From Investments Rs m-867-1,639 52.9%  
From Financial Activity Rs m1666,684 2.5%  
Net Cashflow Rs m3,26928,672 11.4%  

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:   ANDHRA BANK  SYNDICATE BANK  BANK OF INDIA  UNION BANK  INDUSIND BANK  

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



Today's Market

Sensex Ends 165 Points Lower; Metal and Telecom Stocks Witness Selling(Closing)

India share markets witnessed selling pressure during closing hours and ended their day on a negative note. At the closing bell, the BSE Sensex stood lower by 165 points (down 0.4%).

Related Views on News

CITY UNION BANK Announces Quarterly Results (2QFY20); Net Profit Up 15.2% (Quarterly Result Update)

Nov 14, 2019 | Updated on Nov 14, 2019

For the quarter ended September 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.2% YoY). Sales on the other hand came in at Rs 10 bn (up 11.9% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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.

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Jan 28, 2020 03:37 PM

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