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Compare City Union Bank with Karnataka Bank - Equitymaster
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CITY UNION BANK vs KARNATAKA 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

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Current Valuations

    CITY UNION BANK KARNATAKA BANK CITY UNION BANK/
KARNATAKA BANK
 
P/E (TTM) x 19.1 7.8 246.0% View Chart
P/BV x 2.9 1.0 295.9% View Chart
Dividend Yield % 0.2 3.2 5.4%  

Financials

 CITY UNION BANK   KARNATAKA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
KARNATAKA BANK
Mar-16
CITY UNION BANK/
KARNATAKA BANK
5-Yr Chart
Click to enlarge
High Rs169155 108.7%   
Low Rs9386 108.3%   
Income per share (Unadj.) Rs52.8264.9 19.9%  
Earnings per share (Unadj.) Rs8.422.1 37.9%  
Cash flow per share (Unadj.) Rs18.063.3 28.4%  
Dividends per share (Unadj.) Rs0.305.00 6.0%  
Avg Dividend yield %0.24.2 5.5%  
Book value per share (Unadj.) Rs59.4195.8 30.3%  
Shares outstanding (eoy) m601.06188.46 318.9%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.5 544.6%   
Avg P/E ratio x15.65.5 286.2%  
Avg P/CF ratio x9.83.1 319.7%  
Avg Price/Bookvalue ratio x2.20.6 357.9%  
Dividend payout %3.622.7 15.8%   
Avg Mkt Cap Rs m78,58922,700 346.2%   
No. of employees `0004.77.8 60.2%   
Total wages & salary Rs m2,9814,430 67.3%   
Avg. income/employee Rs Th6,768.66,406.8 105.6%   
Avg. wages/employee Rs Th635.8568.5 111.8%   
Avg. net profit/employee Rs Th1,072.2533.5 201.0%   
INCOME DATA
Interest income Rs m31,73849,922 63.6%  
Other income Rs m4,8405,429 89.1%   
Interest expense Rs m19,75036,893 53.5%   
Net interest income Rs m11,98813,029 92.0%  
Operating expense Rs m6,8909,912 69.5%   
Gross profit Rs m5,0983,117 163.6%  
Gross profit margin %16.16.2 257.3%  
Provisions/contingencies Rs m3,0103,265 92.2%   
Profit before tax Rs m6,9285,284 131.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9001,127 168.6%   
Profit after tax Rs m5,0284,157 120.9%  
Net profit margin %15.88.3 190.2%  
BALANCE SHEET DATA
Advances Rs m238,327339,024 70.3%   
Deposits Rs m301,157504,882 59.6%  
Credit/Deposit ratio x79.167.1 117.9%  
Yield on advances %10.910.9 99.6%   
Cost of deposits %6.47.1 90.7%   
Net Interest Margin %3.62.4 145.1%  
Net fixed assets Rs m2,1513,066 70.2%   
Share capital Rs m6011,885 31.9%   
Free reserves Rs m22,45512,672 177.2%   
Net worth Rs m35,70236,906 96.7%   
Borrowings Rs m5,31010,515 50.5%   
Investments Rs m70,315162,567 43.3%   
Total assets Rs m352,708565,003 62.4%  
Debt/equity ratio x8.614.0 61.5%   
Return on assets %1.40.7 193.7%  
Return on equity %14.111.3 125.0%  
Capital adequacy ratio %15.812.0 131.6%  
Net NPAs %1.72.4 72.8%  
CASH FLOW
From Operations Rs m2,8366,359 44.6%  
From Investments Rs m-503-579 86.9%  
From Financial Activity Rs m-44-1,473 3.0%  
Net Cashflow Rs m2,2894,308 53.1%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 21.1 48.3%  
FIIs % 33.4 10.0 334.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 68.9 81.3%  
Shareholders   82,699 123,252 67.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF BARODA  UNION BANK  J&K BANK  

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



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