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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 17.4 -1.1 - View Chart
P/BV x 3.0 0.3 863.1% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
PNB
Mar-18
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs169214 78.9%   
Low Rs9393 99.8%   
Income per share (Unadj.) Rs52.8176.5 29.9%  
Earnings per share (Unadj.) Rs8.4-45.7 -18.3%  
Cash flow per share (Unadj.) Rs18.0-79.6 -22.6%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.4153.9 38.6%  
Shares outstanding (eoy) m601.062,760.57 21.8%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.9 284.9%   
Avg P/E ratio x15.6-3.4 -465.2%  
Avg P/CF ratio x9.813.4 72.8%  
Avg Price/Bookvalue ratio x2.21.0 220.8%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,589423,471 18.6%   
No. of employees `0004.774.9 6.3%   
Total wages & salary Rs m2,98192,424 3.2%   
Avg. income/employee Rs Th6,768.66,505.6 104.0%   
Avg. wages/employee Rs Th635.81,234.0 51.5%   
Avg. net profit/employee Rs Th1,072.2-1,682.7 -63.7%   
INCOME DATA
Interest income Rs m31,738487,249 6.5%  
Other income Rs m4,84088,833 5.4%   
Interest expense Rs m19,750335,304 5.9%   
Net interest income Rs m11,988151,945 7.9%  
Operating expense Rs m6,890136,426 5.1%   
Gross profit Rs m5,09815,519 32.9%  
Gross profit margin %16.13.2 504.3%  
Provisions/contingencies Rs m3,010157,577 1.9%   
Profit before tax Rs m6,928-198,462 -3.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-188 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,900-72,618 -2.6%   
Profit after tax Rs m5,028-126,031 -4.0%  
Net profit margin %15.8-25.9 -61.2%  
BALANCE SHEET DATA
Advances Rs m238,3274,387,980 5.4%   
Deposits Rs m301,1576,484,390 4.6%  
Credit/Deposit ratio x79.167.7 116.9%  
Yield on advances %10.97.4 146.5%   
Cost of deposits %6.44.7 136.7%   
Net Interest Margin %3.62.0 173.5%  
Net fixed assets Rs m2,15163,743 3.4%   
Share capital Rs m6015,521 10.9%   
Free reserves Rs m22,455268,284 8.4%   
Net worth Rs m35,702424,851 8.4%   
Borrowings Rs m5,310653,297 0.8%   
Investments Rs m70,3152,059,102 3.4%   
Total assets Rs m352,7087,789,949 4.5%  
Debt/equity ratio x8.616.8 51.1%   
Return on assets %1.4-1.6 -88.1%  
Return on equity %14.1-29.7 -47.5%  
Capital adequacy ratio %15.89.2 172.1%  
Net NPAs %1.711.2 15.2%  
CASH FLOW
From Operations Rs m2,836-1,402 -202.3%  
From Investments Rs m-503-11,032 4.6%  
From Financial Activity Rs m-4473,524 -0.1%  
Net Cashflow Rs m2,28961,091 3.7%  

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:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  SOUTH IND.BANK  ICICI BANK  

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



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Sep 19, 2018 (Close)

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