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CITY UNION BANK vs KOTAK MAHINDRA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK KOTAK MAHINDRA BANK CITY UNION BANK/
KOTAK MAHINDRA BANK
 
P/E (TTM) x 9.7 20.2 48.0% View Chart
P/BV x 1.3 3.1 41.0% View Chart
Dividend Yield % 0.8 0.1 912.8%  

Financials

 CITY UNION BANK   KOTAK MAHINDRA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
KOTAK MAHINDRA BANK
Mar-23
CITY UNION BANK/
KOTAK MAHINDRA BANK
5-Yr Chart
Click to enlarge
High Rs2051,997 10.3%   
Low Rs1181,630 7.2%   
Income per share (Unadj.) Rs63.7212.2 30.0%  
Earnings per share (Unadj.) Rs12.775.1 16.9%  
Cash flow per share (Unadj.) Rs19.6242.3 8.1%  
Dividends per share (Unadj.) Rs1.001.50 66.7%  
Avg Dividend yield %0.60.1 749.7%  
Book value per share (Unadj.) Rs100.7565.1 17.8%  
Shares outstanding (eoy) m740.421,986.56 37.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.58.5 29.6%   
Avg P/E ratio x12.724.1 52.8%  
Avg P/CF ratio x6.617.8 36.9%  
Avg Price/Bookvalue ratio x1.63.2 49.9%  
Dividend payout %7.92.0 395.6%   
Avg Mkt Cap Rs m119,4113,602,620 3.3%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30484,790 6.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,143421,511 11.2%  
Other income Rs m8,104259,910 3.1%   
Interest expense Rs m25,515144,111 17.7%   
Net interest income Rs m21,628277,399 7.8%  
Operating expense Rs m11,552336,450 3.4%   
Gross profit Rs m10,076-59,051 -17.1%  
Gross profit margin %21.4-14.0 -152.6%  
Provisions/contingencies Rs m8,80553,054 16.6%   
Profit before tax Rs m11,775196,462 6.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m01,446 0.0%   
Tax Rs m2,40048,657 4.9%   
Profit after tax Rs m9,375149,250 6.3%  
Net profit margin %19.935.4 56.2%  
BALANCE SHEET DATA
Advances Rs m430,5333,591,075 12.0%   
Deposits Rs m523,9793,612,726 14.5%  
Credit/Deposit ratio x82.299.4 82.7%  
Yield on advances %8.88.6 103.2%   
Cost of deposits %4.43.3 133.6%   
Net Interest Margin %3.85.0 75.3%  
Net fixed assets Rs m2,39322,612 10.6%   
Share capital Rs m74014,933 5.0%   
Free reserves Rs m73,8321,107,608 6.7%   
Net worth Rs m74,5721,122,541 6.6%   
Borrowings Rs m46,881570,339 8.2%   
Investments Rs m143,3261,953,380 7.3%   
Total assets Rs m665,9466,204,297 10.7%  
Debt/equity ratio x7.73.7 205.4%   
Return on assets %1.42.4 58.5%  
Return on equity %12.613.3 94.6%  
Capital adequacy ratio %22.320.8 107.5%  
Net NPAs %2.40.4 637.8%  
CASH FLOW
From Operations Rs m1,004-12,424 -8.1%  
From Investments Rs m-719-105,502 0.7%  
From Financial Activity Rs m-66218,830 -3.5%  
Net Cashflow Rs m-377-97,401 0.4%  

Share Holding

Indian Promoters % 0.0 25.9 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 61.1 96.5%  
FIIs % 26.6 38.1 69.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 74.1 135.0%  
Shareholders   216,019 634,698 34.0%  
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    ICICI BANK    SBI    BANK OF BARODA    


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

Period City Union Bank Kotak Bank S&P BSE BANKEX
1-Day -0.27% 0.92% -0.30%
1-Month -7.08% 1.25% -0.19%
1-Year 0.67% 3.16% 17.94%
3-Year CAGR -9.03% -1.45% 11.06%
5-Year CAGR -7.83% 5.39% 9.54%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the Kotak 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 Kotak Bank the stake stands at 25.9%.

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 Kotak 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%.

Kotak Bank paid Rs 1.5, and its dividend payout ratio stood at 2.0%.

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

For a sector overview, read our banking sector report.



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