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CITY UNION BANK vs KARNATAKA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK KARNATAKA BANK CITY UNION BANK/
KARNATAKA BANK
 
P/E (TTM) x 10.3 5.8 177.0% View Chart
P/BV x 1.4 1.0 137.7% View Chart
Dividend Yield % 0.7 2.2 33.8%  

Financials

 CITY UNION BANK   KARNATAKA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
KARNATAKA BANK
Mar-23
CITY UNION BANK/
KARNATAKA BANK
5-Yr Chart
Click to enlarge
High Rs205169 121.6%   
Low Rs11856 211.1%   
Income per share (Unadj.) Rs63.7231.2 27.5%  
Earnings per share (Unadj.) Rs12.737.8 33.5%  
Cash flow per share (Unadj.) Rs19.676.3 25.7%  
Dividends per share (Unadj.) Rs1.005.00 20.0%  
Avg Dividend yield %0.64.5 13.9%  
Book value per share (Unadj.) Rs100.7262.9 38.3%  
Shares outstanding (eoy) m740.42312.34 237.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.50.5 522.3%   
Avg P/E ratio x12.73.0 429.2%  
Avg P/CF ratio x6.61.6 414.1%  
Avg Price/Bookvalue ratio x1.60.4 375.6%  
Dividend payout %7.913.2 59.7%   
Avg Mkt Cap Rs m119,41135,014 341.0%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30410,735 49.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,14372,202 65.3%  
Other income Rs m8,1049,926 81.6%   
Interest expense Rs m25,51540,351 63.2%   
Net interest income Rs m21,62831,851 67.9%  
Operating expense Rs m11,55219,700 58.6%   
Gross profit Rs m10,07612,151 82.9%  
Gross profit margin %21.416.8 127.0%  
Provisions/contingencies Rs m8,80510,280 85.7%   
Profit before tax Rs m11,77514,405 81.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,4002,608 92.0%   
Profit after tax Rs m9,37511,797 79.5%  
Net profit margin %19.916.3 121.7%  
BALANCE SHEET DATA
Advances Rs m430,533599,516 71.8%   
Deposits Rs m523,979873,679 60.0%  
Credit/Deposit ratio x82.268.6 119.7%  
Yield on advances %8.89.3 94.8%   
Cost of deposits %4.44.3 100.4%   
Net Interest Margin %3.83.8 98.5%  
Net fixed assets Rs m2,3938,462 28.3%   
Share capital Rs m7403,124 23.7%   
Free reserves Rs m73,83278,997 93.5%   
Net worth Rs m74,57282,120 90.8%   
Borrowings Rs m46,88115,627 300.0%   
Investments Rs m143,326233,249 61.4%   
Total assets Rs m665,946990,571 67.2%  
Debt/equity ratio x7.710.8 70.7%   
Return on assets %1.41.2 118.2%  
Return on equity %12.614.4 87.5%  
Capital adequacy ratio %22.317.5 128.0%  
Net NPAs %2.41.7 138.8%  
CASH FLOW
From Operations Rs m1,00418,297 5.5%  
From Investments Rs m-719-875 82.1%  
From Financial Activity Rs m-662-195 340.1%  
Net Cashflow Rs m-37717,227 -2.2%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 36.7 160.6%  
FIIs % 26.6 19.0 139.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 100.0 100.0%  
Shareholders   216,019 267,637 80.7%  
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    KOTAK MAHINDRA BANK    


More on City Union Bank vs Karnataka 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 Karnataka Bank Share Price Performance

Period City Union Bank Karnataka Bank S&P BSE BANKEX
1-Day 0.44% 0.44% 1.33%
1-Month 1.64% -0.26% 2.99%
1-Year 12.45% 81.65% 19.88%
3-Year CAGR -4.05% 56.07% 12.19%
5-Year CAGR -7.54% 13.59% 9.51%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the Karnataka 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 Karnataka Bank the stake stands at 0.0%.

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 Karnataka 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%.

Karnataka Bank paid Rs 5.0, and its dividend payout ratio stood at 13.2%.

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

For a sector overview, read our banking sector report.



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