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Compare City Union Bank with PNB - Equitymaster
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CITY UNION BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    CITY UNION BANK PNB CITY UNION BANK/
PNB
 
P/E (TTM) x 19.3 -19.1 - View Chart
P/BV x 3.1 0.6 491.1% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
PNB
Mar-16
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs98167 58.7%   
Low Rs7771 107.9%   
Income per share (Unadj.) Rs49.2258.7 19.0%  
Earnings per share (Unadj.) Rs7.4-19.6 -38.0%  
Cash flow per share (Unadj.) Rs15.5-60.5 -25.7%  
Dividends per share (Unadj.) Rs1.200-  
Avg Dividend yield %1.40-  
Book value per share (Unadj.) Rs51.0212.9 24.0%  
Shares outstanding (eoy) m598.191,963.60 30.5%   
Bonus/Rights/Conversions ESOSPI-  
Avg Price / Income ratio x1.80.5 386.0%   
Avg P/E ratio x11.8-6.1 -193.3%  
Avg P/CF ratio x7.71.8 428.0%  
Avg Price/Bookvalue ratio x1.70.6 306.4%  
Dividend payout %16.10-   
Avg Mkt Cap Rs m52,312233,865 22.4%   
No. of employees `0004.570.8 6.4%   
Total wages & salary Rs m2,13265,645 3.2%   
Avg. income/employee Rs Th6,518.17,175.6 90.8%   
Avg. wages/employee Rs Th471.9927.2 50.9%   
Avg. net profit/employee Rs Th984.5-542.8 -181.4%   
INCOME DATA
Interest income Rs m29,442508,039 5.8%  
Other income Rs m4,10069,766 5.9%   
Interest expense Rs m19,632343,306 5.7%   
Net interest income Rs m9,810164,733 6.0%  
Operating expense Rs m5,577103,499 5.4%   
Gross profit Rs m4,23361,234 6.9%  
Gross profit margin %14.412.1 119.3%  
Provisions/contingencies Rs m2,306167,633 1.4%   
Profit before tax Rs m6,027-52,931 -11.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,580-16,299 -9.7%   
Profit after tax Rs m4,447-38,430 -11.6%  
Net profit margin %15.1-7.6 -199.7%  
BALANCE SHEET DATA
Advances Rs m210,5694,460,830 4.7%   
Deposits Rs m271,5815,703,826 4.8%  
Credit/Deposit ratio x77.578.2 99.1%  
Yield on advances %11.28.4 134.5%   
Cost of deposits %7.15.4 132.0%   
Net Interest Margin %3.32.4 136.7%  
Net fixed assets Rs m2,17653,081 4.1%   
Share capital Rs m5983,927 15.2%   
Free reserves Rs m19,301295,310 6.5%   
Net worth Rs m30,520418,043 7.3%   
Borrowings Rs m1,126816,737 0.1%   
Investments Rs m63,2451,651,265 3.8%   
Total assets Rs m312,5207,127,930 4.4%  
Debt/equity ratio x8.915.6 57.3%   
Return on assets %1.4-0.5 -263.9%  
Return on equity %14.6-9.2 -158.5%  
Capital adequacy ratio %15.613.7 114.1%  
Net NPAs %1.58.6 17.8%  
CASH FLOW
From Operations Rs m1,985141,670 1.4%  
From Investments Rs m-600-13,515 4.4%  
From Financial Activity Rs m-75259,747 -1.3%  
Net Cashflow Rs m633187,902 0.3%  

Share Holding

Indian Promoters % 0.0 58.9 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 18.7 54.5%  
FIIs % 33.4 17.2 194.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 5.3 1,056.6%  
Shareholders   82,699 215,441 38.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   UNION BANK  INDIAN OVERSEAS BANK  CORPORATION BANK  PUNJAB & SIND BANK  SYNDICATE BANK  

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



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