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CITY UNION BANK vs J&K BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK J&K BANK CITY UNION BANK/
J&K BANK
 
P/E (TTM) x 10.2 9.2 111.3% View Chart
P/BV x 1.3 1.5 90.0% View Chart
Dividend Yield % 0.7 0.4 198.4%  

Financials

 CITY UNION BANK   J&K BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
J&K BANK
Mar-23
CITY UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20563 326.6%   
Low Rs11824 494.1%   
Income per share (Unadj.) Rs63.790.7 70.2%  
Earnings per share (Unadj.) Rs12.711.4 110.6%  
Cash flow per share (Unadj.) Rs19.646.1 42.5%  
Dividends per share (Unadj.) Rs1.000.50 200.0%  
Avg Dividend yield %0.61.2 53.7%  
Book value per share (Unadj.) Rs100.795.9 105.0%  
Shares outstanding (eoy) m740.421,031.48 71.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.50.5 530.9%   
Avg P/E ratio x12.73.8 336.9%  
Avg P/CF ratio x6.62.4 271.1%  
Avg Price/Bookvalue ratio x1.60.5 355.0%  
Dividend payout %7.94.4 180.8%   
Avg Mkt Cap Rs m119,41144,637 267.5%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30427,086 19.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,14393,552 50.4%  
Other income Rs m8,1047,652 105.9%   
Interest expense Rs m25,51546,094 55.4%   
Net interest income Rs m21,62847,458 45.6%  
Operating expense Rs m11,55236,509 31.6%   
Gross profit Rs m10,07610,949 92.0%  
Gross profit margin %21.411.7 182.6%  
Provisions/contingencies Rs m8,8056,616 133.1%   
Profit before tax Rs m11,77517,856 65.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-181 -0.0%   
Tax Rs m2,4005,870 40.9%   
Profit after tax Rs m9,37511,805 79.4%  
Net profit margin %19.912.6 157.6%  
BALANCE SHEET DATA
Advances Rs m430,533822,776 52.3%   
Deposits Rs m523,9791,220,272 42.9%  
Credit/Deposit ratio x82.267.4 121.9%  
Yield on advances %8.88.5 103.8%   
Cost of deposits %4.43.6 122.1%   
Net Interest Margin %3.84.1 93.0%  
Net fixed assets Rs m2,39322,244 10.8%   
Share capital Rs m7401,032 71.8%   
Free reserves Rs m73,83297,932 75.4%   
Net worth Rs m74,57298,963 75.4%   
Borrowings Rs m46,88128,923 162.1%   
Investments Rs m143,326347,804 41.2%   
Total assets Rs m665,9461,459,126 45.6%  
Debt/equity ratio x7.712.6 60.6%   
Return on assets %1.40.8 174.0%  
Return on equity %12.611.9 105.4%  
Capital adequacy ratio %22.315.4 145.0%  
Net NPAs %2.41.6 145.7%  
CASH FLOW
From Operations Rs m1,004-4,071 -24.7%  
From Investments Rs m-719-1,235 58.2%  
From Financial Activity Rs m-6626,376 -10.4%  
Net Cashflow Rs m-3771,070 -35.2%  

Share Holding

Indian Promoters % 0.0 59.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 13.6 433.2%  
FIIs % 26.6 5.8 458.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 40.6 246.3%  
Shareholders   216,019 204,193 105.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on City Union Bank vs J&K Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

City Union Bank vs J&K Bank Share Price Performance

Period City Union Bank J&K Bank S&P BSE BANKEX
1-Day -0.22% 2.10% 0.82%
1-Month 0.97% -2.83% 2.48%
1-Year 11.70% 193.99% 19.28%
3-Year CAGR -4.26% 72.73% 12.00%
5-Year CAGR -7.66% 20.41% 9.40%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the J&K Bank share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of J&K Bank the stake stands at 59.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of City Union Bank and the shareholding pattern of J&K Bank.

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 7.9%.

J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of J&K Bank.

For a sector overview, read our banking sector report.



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