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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 16.9 -1.1 - View Chart
P/BV x 2.9 0.3 1,133.1% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
PNB
Mar-19
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs209105 198.5%   
Low Rs14560 242.5%   
Income per share (Unadj.) Rs51.2113.3 45.2%  
Earnings per share (Unadj.) Rs8.9-21.8 -40.9%  
Cash flow per share (Unadj.) Rs17.0-53.9 -31.5%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.698.9 63.3%  
Shares outstanding (eoy) m664.734,604.05 14.4%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.7 474.5%   
Avg P/E ratio x19.9-3.8 -524.3%  
Avg P/CF ratio x11.63.4 340.7%  
Avg Price/Bookvalue ratio x2.80.8 338.5%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,591379,834 31.0%   
No. of employees `0005.370.8 7.5%   
Total wages & salary Rs m3,15970,475 4.5%   
Avg. income/employee Rs Th6,396.77,364.4 86.9%   
Avg. wages/employee Rs Th593.9995.3 59.7%   
Avg. net profit/employee Rs Th1,113.0-1,416.0 -78.6%   
INCOME DATA
Interest income Rs m34,024521,471 6.5%  
Other income Rs m5,32173,674 7.2%   
Interest expense Rs m19,721346,557 5.7%   
Net interest income Rs m14,303174,915 8.2%  
Operating expense Rs m7,547116,893 6.5%   
Gross profit Rs m6,75758,022 11.6%  
Gross profit margin %19.911.1 178.5%  
Provisions/contingencies Rs m4,178211,381 2.0%   
Profit before tax Rs m7,900-149,085 -5.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,980-53,384 -3.7%   
Profit after tax Rs m5,920-100,264 -5.9%  
Net profit margin %17.4-19.2 -90.5%  
BALANCE SHEET DATA
Advances Rs m278,5284,624,162 6.0%   
Deposits Rs m328,5266,818,742 4.8%  
Credit/Deposit ratio x84.867.8 125.0%  
Yield on advances %10.27.7 133.1%   
Cost of deposits %5.94.7 123.8%   
Net Interest Margin %3.72.3 159.7%  
Net fixed assets Rs m2,23162,476 3.6%   
Share capital Rs m6659,208 7.2%   
Free reserves Rs m40,968445,973 9.2%   
Net worth Rs m41,632455,181 9.1%   
Borrowings Rs m17,359468,280 3.7%   
Investments Rs m78,7912,097,230 3.8%   
Total assets Rs m399,3737,892,658 5.1%  
Debt/equity ratio x8.316.0 51.9%   
Return on assets %1.5-1.3 -116.7%  
Return on equity %14.2-22.0 -64.6%  
Capital adequacy ratio %16.29.7 166.7%  
Net NPAs %1.76.6 25.9%  
CASH FLOW
From Operations Rs m-1,831-341,580 0.5%  
From Investments Rs m-6052,248 -26.9%  
From Financial Activity Rs m11137,410 0.0%  
Net Cashflow Rs m-2,425-201,922 1.2%  

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:   SBI  ORIENTAL BANK  DCB BANK  BANK OF BARODA  KOTAK MAHINDRA BANK  

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



Today's Market

Sensex Opens Lower; Metal and Banking Stocks Drag(09:30 am)

Asian share markets are higher today as Japanese and Hong Kong shares show gains. The Nikkei 225 is up 1% while the Hang Seng is up 1.1%.

Related Views on News

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

PNB Announces Quarterly Results (1QFY20); Net Profit Up 208.4% (Quarterly Result Update)

Jul 29, 2019 | Updated on Jul 29, 2019

For the quarter ended June 2019, PNB has posted a net profit of Rs 10 bn (up 208.4% YoY). Sales on the other hand came in at Rs 131 bn (down 0.2% YoY). Read on for a complete analysis of PNB's quarterly results.

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.

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