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Compare City Union Bank with Oriental Bank - Equitymaster

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CITY UNION BANK vs ORIENTAL 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

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    CITY UNION BANK ORIENTAL BANK CITY UNION BANK/
ORIENTAL BANK
 
P/E (TTM) x 18.5 -0.4 - View Chart
P/BV x 3.1 0.2 1,533.9% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   ORIENTAL BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
ORIENTAL BANK
Mar-18
CITY UNION BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs169191 88.3%   
Low Rs9384 110.7%   
Income per share (Unadj.) Rs52.8275.0 19.2%  
Earnings per share (Unadj.) Rs8.4-92.8 -9.0%  
Cash flow per share (Unadj.) Rs18.0-194.4 -9.2%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.4186.3 31.9%  
Shares outstanding (eoy) m601.06632.77 95.0%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.5 495.5%   
Avg P/E ratio x15.6-1.5 -1,055.7%  
Avg P/CF ratio x9.82.2 441.5%  
Avg Price/Bookvalue ratio x2.20.7 298.4%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,58986,943 90.4%   
No. of employees `0004.722.0 21.3%   
Total wages & salary Rs m2,98117,566 17.0%   
Avg. income/employee Rs Th6,768.67,916.9 85.5%   
Avg. wages/employee Rs Th635.8799.3 79.5%   
Avg. net profit/employee Rs Th1,072.2-2,671.8 -40.1%   
INCOME DATA
Interest income Rs m31,738173,989 18.2%  
Other income Rs m4,84027,824 17.4%   
Interest expense Rs m19,750128,881 15.3%   
Net interest income Rs m11,98845,108 26.6%  
Operating expense Rs m6,89035,900 19.2%   
Gross profit Rs m5,0989,208 55.4%  
Gross profit margin %16.15.3 303.5%  
Provisions/contingencies Rs m3,01097,976 3.1%   
Profit before tax Rs m6,928-60,944 -11.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,900-2,227 -85.3%   
Profit after tax Rs m5,028-58,717 -8.6%  
Net profit margin %15.8-33.7 -46.9%  
BALANCE SHEET DATA
Advances Rs m238,3271,363,679 17.5%   
Deposits Rs m301,1572,073,461 14.5%  
Credit/Deposit ratio x79.165.8 120.3%  
Yield on advances %10.98.9 122.2%   
Cost of deposits %6.45.8 111.0%   
Net Interest Margin %3.62.1 173.2%  
Net fixed assets Rs m2,15125,496 8.4%   
Share capital Rs m6016,328 9.5%   
Free reserves Rs m22,455115,677 19.4%   
Net worth Rs m35,702117,868 30.3%   
Borrowings Rs m5,31096,941 5.5%   
Investments Rs m70,315699,023 10.1%   
Total assets Rs m352,7082,333,440 15.1%  
Debt/equity ratio x8.618.4 46.6%   
Return on assets %1.4-2.5 -56.6%  
Return on equity %14.1-49.8 -28.3%  
Capital adequacy ratio %15.810.5 150.8%  
Net NPAs %1.710.5 16.3%  
CASH FLOW
From Operations Rs m2,836-36,389 -7.8%  
From Investments Rs m-503-4,506 11.2%  
From Financial Activity Rs m-443,447 -1.3%  
Net Cashflow Rs m2,289-37,448 -6.1%  

Share Holding

Indian Promoters % 0.0 59.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 24.0 42.5%  
FIIs % 33.4 9.9 337.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 7.0 800.0%  
Shareholders   82,699 114,330 72.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   DHANLAXMI BANK  BANK OF INDIA  SBI  SYNDICATE BANK  ICICI BANK  

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



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