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CITY UNION BANK vs PUNJAB & SIND 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

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Current Valuations

    CITY UNION BANK PUNJAB & SIND BANK CITY UNION BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 18.2 -4.0 - View Chart
P/BV x 2.7 0.1 2,085.1% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-19
PUNJAB & SIND BANK
Mar-19
CITY UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs20740 514.1%   
Low Rs15724 654.2%   
Income per share (Unadj.) Rs51.3151.5 33.9%  
Earnings per share (Unadj.) Rs9.3-9.6 -96.6%  
Cash flow per share (Unadj.) Rs20.4-30.4 -66.9%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.30-  
Book value per share (Unadj.) Rs65.997.9 67.3%  
Shares outstanding (eoy) m734.50564.91 130.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x3.60.2 1,673.1%   
Avg P/E ratio x19.6-3.3 -586.1%  
Avg P/CF ratio x13.40.9 1,496.1%  
Avg Price/Bookvalue ratio x2.80.3 841.6%  
Dividend payout %5.40-   
Avg Mkt Cap Rs m133,75218,162 736.4%   
No. of employees `0005.58.9 61.7%   
Total wages & salary Rs m3,64411,758 31.0%   
Avg. income/employee Rs Th6,827.19,564.9 71.4%   
Avg. wages/employee Rs Th660.51,314.0 50.3%   
Avg. net profit/employee Rs Th1,237.5-607.4 -203.7%   
INCOME DATA
Interest income Rs m37,67285,587 44.0%  
Other income Rs m5,1444,886 105.3%   
Interest expense Rs m21,55762,790 34.3%   
Net interest income Rs m16,11522,797 70.7%  
Operating expense Rs m8,85917,111 51.8%   
Gross profit Rs m7,2565,686 127.6%  
Gross profit margin %19.36.6 289.9%  
Provisions/contingencies Rs m3,15125,709 12.3%   
Profit before tax Rs m9,249-8,588 -107.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,420-3,153 -76.8%   
Profit after tax Rs m6,829-5,435 -125.6%  
Net profit margin %18.1-6.3 -285.5%  
BALANCE SHEET DATA
Advances Rs m326,733691,755 47.2%   
Deposits Rs m384,480985,576 39.0%  
Credit/Deposit ratio x85.070.2 121.1%  
Yield on advances %9.78.7 111.6%   
Cost of deposits %5.56.1 90.2%   
Net Interest Margin %3.72.2 166.3%  
Net fixed assets Rs m2,50012,304 20.3%   
Share capital Rs m7355,649 13.0%   
Free reserves Rs m47,67325,976 183.5%   
Net worth Rs m48,40855,318 87.5%   
Borrowings Rs m4,80927,140 17.7%   
Investments Rs m77,122261,729 29.5%   
Total assets Rs m452,5891,089,821 41.5%  
Debt/equity ratio x8.018.3 43.9%   
Return on assets %1.5-0.5 -302.6%  
Return on equity %14.1-9.8 -143.6%  
Capital adequacy ratio %15.610.9 142.3%  
Net NPAs %1.87.2 25.1%  
CASH FLOW
From Operations Rs m3,969-973 -407.8%  
From Investments Rs m-867-611 142.0%  
From Financial Activity Rs m166-3,561 -4.7%  
Net Cashflow Rs m3,269-5,145 -63.5%  

Share Holding

Indian Promoters % 0.0 79.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 10.8 94.4%  
FIIs % 33.4 1.8 1,855.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 7.8 717.9%  
Shareholders   82,699 150,895 54.8%  
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)  



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PUNJAB & SIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 92.4% (Quarterly Result Update)

Aug 13, 2019 | Updated on Aug 13, 2019

For the quarter ended June 2019, PUNJAB & SIND BANK has posted a net profit of Rs 303 m (up 92.4% YoY). Sales on the other hand came in at Rs 21 bn (down 5.2% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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.

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK'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.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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Oct 18, 2019 (Close)

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