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 16.6 19.3 85.6% View Chart
P/BV x 1.6 0.1 1,140.9% View Chart
Dividend Yield % 0.4 0.0 -  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-19
PNB
Mar-19
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs207105 197.0%   
Low Rs15760 262.5%   
Income per share (Unadj.) Rs51.3113.3 45.3%  
Earnings per share (Unadj.) Rs9.3-21.8 -42.7%  
Cash flow per share (Unadj.) Rs20.4-53.9 -37.8%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.30-  
Book value per share (Unadj.) Rs65.998.9 66.7%  
Shares outstanding (eoy) m734.504,604.05 16.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x3.60.7 487.4%   
Avg P/E ratio x19.6-3.8 -517.0%  
Avg P/CF ratio x13.43.4 392.1%  
Avg Price/Bookvalue ratio x2.80.8 331.1%  
Dividend payout %5.40-   
Avg Mkt Cap Rs m133,752379,834 35.2%   
No. of employees `0005.570.8 7.8%   
Total wages & salary Rs m3,64470,475 5.2%   
Avg. income/employee Rs Th6,827.17,364.4 92.7%   
Avg. wages/employee Rs Th660.5995.3 66.4%   
Avg. net profit/employee Rs Th1,237.5-1,416.0 -87.4%   
INCOME DATA
Interest income Rs m37,672521,471 7.2%  
Other income Rs m5,14473,674 7.0%   
Interest expense Rs m21,557346,557 6.2%   
Net interest income Rs m16,115174,915 9.2%  
Operating expense Rs m8,859116,893 7.6%   
Gross profit Rs m7,25658,022 12.5%  
Gross profit margin %19.311.1 173.1%  
Provisions/contingencies Rs m3,151211,381 1.5%   
Profit before tax Rs m9,249-149,085 -6.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2,420-53,384 -4.5%   
Profit after tax Rs m6,829-100,264 -6.8%  
Net profit margin %18.1-19.2 -94.3%  
BALANCE SHEET DATA
Advances Rs m326,7334,624,162 7.1%   
Deposits Rs m384,4806,818,742 5.6%  
Credit/Deposit ratio x85.067.8 125.3%  
Yield on advances %9.77.7 127.0%   
Cost of deposits %5.54.7 115.7%   
Net Interest Margin %3.72.3 159.3%  
Net fixed assets Rs m2,50062,476 4.0%   
Share capital Rs m7359,208 8.0%   
Free reserves Rs m47,673445,973 10.7%   
Net worth Rs m48,408455,181 10.6%   
Borrowings Rs m4,809468,280 1.0%   
Investments Rs m77,1222,097,230 3.7%   
Total assets Rs m452,5897,892,658 5.7%  
Debt/equity ratio x8.016.0 50.2%   
Return on assets %1.5-1.3 -118.8%  
Return on equity %14.1-22.0 -64.0%  
Capital adequacy ratio %15.69.7 159.8%  
Net NPAs %1.86.6 27.6%  
CASH FLOW
From Operations Rs m3,969-341,580 -1.2%  
From Investments Rs m-8672,248 -38.6%  
From Financial Activity Rs m166137,410 0.1%  
Net Cashflow Rs m3,269-201,922 -1.6%  

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:   IDFC FIRST BANK  KARNATAKA BANK  VIJAYA BANK  YES BANK  DCB BANK  

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



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CITY UNION BANK Announces Quarterly Results (4QFY20); Net Profit Down 154.4% (Quarterly Result Update)

Jun 19, 2020 | Updated on Jun 19, 2020

For the quarter ended March 2020, CITY UNION BANK has posted a net profit of Rs 953 m (down 154.4% YoY). Sales on the other hand came in at Rs 10 bn (up 5.8% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (3QFY20); Net Profit Up 8.0% (Quarterly Result Update)

Feb 17, 2020 | Updated on Feb 17, 2020

For the quarter ended December 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 8.0% YoY). Sales on the other hand came in at Rs 11 bn (up 9.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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For the quarter ended September 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.2% YoY). Sales on the other hand came in at Rs 10 bn (up 11.9% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Jul 10, 2020 (Close)

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