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Compare City Union Bank with Punjab & Sind Bank - Equitymaster

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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 17.4 -1.0 - View Chart
P/BV x 3.0 0.2 1,541.0% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
PUNJAB & SIND BANK
Mar-17
CITY UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs16959 288.0%   
Low Rs9334 271.9%   
Income per share (Unadj.) Rs52.8204.1 25.9%  
Earnings per share (Unadj.) Rs8.45.0 166.6%  
Cash flow per share (Unadj.) Rs18.018.8 95.4%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.4153.4 38.7%  
Shares outstanding (eoy) m601.06400.41 150.1%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.2 1,090.4%   
Avg P/E ratio x15.69.2 169.4%  
Avg P/CF ratio x9.81.6 628.3%  
Avg Price/Bookvalue ratio x2.20.3 728.5%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,58918,559 423.5%   
No. of employees `0004.79.4 49.9%   
Total wages & salary Rs m2,9819,901 30.1%   
Avg. income/employee Rs Th6,768.68,694.5 77.8%   
Avg. wages/employee Rs Th635.81,053.3 60.4%   
Avg. net profit/employee Rs Th1,072.2213.9 501.2%   
INCOME DATA
Interest income Rs m31,73881,729 38.8%  
Other income Rs m4,8405,781 83.7%   
Interest expense Rs m19,75060,135 32.8%   
Net interest income Rs m11,98821,593 55.5%  
Operating expense Rs m6,89014,956 46.1%   
Gross profit Rs m5,0986,638 76.8%  
Gross profit margin %16.18.1 197.8%  
Provisions/contingencies Rs m3,0109,914 30.4%   
Profit before tax Rs m6,9282,505 276.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,900494 384.7%   
Profit after tax Rs m5,0282,011 250.0%  
Net profit margin %15.82.5 643.9%  
BALANCE SHEET DATA
Advances Rs m238,327583,345 40.9%   
Deposits Rs m301,157855,402 35.2%  
Credit/Deposit ratio x79.168.2 116.0%  
Yield on advances %10.99.7 111.6%   
Cost of deposits %6.46.8 94.7%   
Net Interest Margin %3.62.4 149.5%  
Net fixed assets Rs m2,15110,954 19.6%   
Share capital Rs m6014,004 15.0%   
Free reserves Rs m22,45532,842 68.4%   
Net worth Rs m35,70261,425 58.1%   
Borrowings Rs m5,31029,584 17.9%   
Investments Rs m70,315279,485 25.2%   
Total assets Rs m352,708966,434 36.5%  
Debt/equity ratio x8.614.4 59.6%   
Return on assets %1.40.2 685.1%  
Return on equity %14.13.3 430.2%  
Capital adequacy ratio %15.811.1 143.3%  
Net NPAs %1.77.5 22.8%  
CASH FLOW
From Operations Rs m2,836-5,089 -55.7%  
From Investments Rs m-503-198 253.6%  
From Financial Activity Rs m-442,159 -2.0%  
Net Cashflow Rs m2,289-3,128 -73.2%  

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:   KARNATAKA BANK  ALLAHABAD BANK  AXIS BANK  IDFC BANK LTD  PNB  

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



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CITY UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 15.2% (Quarterly Result Update)

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For the quarter ended June 2018, 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 9 bn (up 7.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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