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- CITY UNION BANK - J&K BANK
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 
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
Current Valuations
| CITY UNION BANK | J&K BANK | CITY UNION BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.0 | 3.5 | 522.7% | View Chart |
| P/BV | x | 2.6 | 0.2 | 1,082.5% | 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 | Rs | 207 | 96 | 216.5% | |
| Low | Rs | 157 | 55 | 288.1% | |
| Income per share (Unadj.) | Rs | 51.3 | 1,189.2 | 4.3% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 36.4 | 25.5% | |
| Cash flow per share (Unadj.) | Rs | 20.4 | 167.4 | 12.2% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 0.3 | 0 | - | |
| Book value per share (Unadj.) | Rs | 65.9 | 1,105.9 | 6.0% | |
| Shares outstanding (eoy) | m | 734.50 | 55.68 | 1,319.1% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.1 | 5,622.1% | |
| Avg P/E ratio | x | 19.6 | 2.1 | 949.4% | |
| Avg P/CF ratio | x | 13.4 | 0.3 | 4,428.9% | |
| Avg Price/Bookvalue ratio | x | 2.8 | 0.1 | 4,068.7% | |
| Dividend payout | % | 5.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 133,752 | 4,182 | 3,198.6% | |
| No. of employees | `000 | 5.5 | 1.0 | 540.5% | |
| Total wages & salary | Rs m | 3,644 | 12,869 | 28.3% | |
| Avg. income/employee | Rs Th | 6,827.1 | 64,852.1 | 10.5% | |
| Avg. wages/employee | Rs Th | 660.5 | 12,604.2 | 5.2% | |
| Avg. net profit/employee | Rs Th | 1,237.5 | 1,985.2 | 62.3% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 37,672 | 66,214 | 56.9% | |
| Other income | Rs m | 5,144 | 5,008 | 102.7% | |
| Interest expense | Rs m | 21,557 | 37,502 | 57.5% | |
| Net interest income | Rs m | 16,115 | 28,712 | 56.1% | |
| Operating expense | Rs m | 8,859 | 19,902 | 44.5% | |
| Gross profit | Rs m | 7,256 | 8,810 | 82.4% | |
| Gross profit margin | % | 19.3 | 13.3 | 144.8% | |
| Provisions/contingencies | Rs m | 3,151 | 11,792 | 26.7% | |
| Profit before tax | Rs m | 9,249 | 1,209 | 764.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 2,420 | -818 | -296.0% | |
| Profit after tax | Rs m | 6,829 | 2,027 | 336.9% | |
| Net profit margin | % | 18.1 | 3.1 | 592.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 326,733 | 569,127 | 57.4% | |
| Deposits | Rs m | 384,480 | 800,045 | 48.1% | |
| Credit/Deposit ratio | x | 85.0 | 71.1 | 119.5% | |
| Yield on advances | % | 9.7 | 8.7 | 111.2% | |
| Cost of deposits | % | 5.5 | 4.5 | 121.4% | |
| Net Interest Margin | % | 3.7 | 3.4 | 108.8% | |
| Net fixed assets | Rs m | 2,500 | 16,149 | 15.5% | |
| Share capital | Rs m | 735 | 557 | 131.9% | |
| Free reserves | Rs m | 47,673 | 32,336 | 147.4% | |
| Net worth | Rs m | 48,408 | 61,576 | 78.6% | |
| Borrowings | Rs m | 4,809 | 16,283 | 29.5% | |
| Investments | Rs m | 77,122 | 188,600 | 40.9% | |
| Total assets | Rs m | 452,589 | 896,844 | 50.5% | |
| Debt/equity ratio | x | 8.0 | 13.3 | 60.7% | |
| Return on assets | % | 1.5 | 0.2 | 667.6% | |
| Return on equity | % | 14.1 | 3.3 | 428.5% | |
| Capital adequacy ratio | % | 15.6 | 11.4 | 136.2% | |
| Net NPAs | % | 1.8 | 4.9 | 36.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 3,969 | 23,627 | 16.8% | |
| From Investments | Rs m | -867 | -1,639 | 52.9% | |
| From Financial Activity | Rs m | 166 | 6,684 | 2.5% | |
| Net Cashflow | Rs m | 3,269 | 28,672 | 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 | - |
Compare CITY UNION BANK With: INDUSIND BANK ICICI BANK SBI VIJAYA BANK CORPORATION BANK
Compare CITY UNION BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Today's Market
Sensex Ends 93 Points Higher; Oil & Gas and Realty Stocks Witness Buying(Closing)
Indian share markets traded on a volatile note throughout the day and ended marginally higher. Sectoral indices ended on a mixed note with stocks in the oil & gas sector.
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, 2019For 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, 2019For 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, 2019For 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, 2019For 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, 2019For 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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Oct 16, 2019 (Close)
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