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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 21.4 5.6 381.5% View Chart
P/BV x 2.9 0.3 865.1% View Chart
Dividend Yield % 0.2 1.3 13.5%  

Financials

 CITY UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
PUNJAB & SIND BANK
Mar-15
CITY UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs16984 200.8%   
Low Rs9344 212.3%   
Income per share (Unadj.) Rs52.8214.5 24.6%  
Earnings per share (Unadj.) Rs8.43.0 276.0%  
Cash flow per share (Unadj.) Rs18.021.3 84.4%  
Dividends per share (Unadj.) Rs0.300.60 50.0%  
Avg Dividend yield %0.20.9 24.4%  
Book value per share (Unadj.) Rs59.4139.8 42.5%  
Shares outstanding (eoy) m601.06400.41 150.1%   
Bonus/Rights/Conversions ESOSPA-  
Avg Price / Income ratio x2.50.3 831.8%   
Avg P/E ratio x15.621.1 74.2%  
Avg P/CF ratio x9.83.4 286.3%  
Avg Price/Bookvalue ratio x2.20.5 481.8%  
Dividend payout %3.619.8 18.1%   
Avg Mkt Cap Rs m78,58925,566 307.4%   
No. of employees `0004.79.2 51.1%   
Total wages & salary Rs m2,9818,743 34.1%   
Avg. income/employee Rs Th6,768.69,355.7 72.3%   
Avg. wages/employee Rs Th635.8952.4 66.8%   
Avg. net profit/employee Rs Th1,072.2132.2 811.1%   
INCOME DATA
Interest income Rs m31,73885,886 37.0%  
Other income Rs m4,8404,288 112.9%   
Interest expense Rs m19,75069,094 28.6%   
Net interest income Rs m11,98816,792 71.4%  
Operating expense Rs m6,89013,325 51.7%   
Gross profit Rs m5,0983,467 147.0%  
Gross profit margin %16.14.0 397.9%  
Provisions/contingencies Rs m3,0106,273 48.0%   
Profit before tax Rs m6,9281,481 467.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,900268 709.7%   
Profit after tax Rs m5,0281,214 414.3%  
Net profit margin %15.81.4 1,121.2%  
BALANCE SHEET DATA
Advances Rs m238,327638,702 37.3%   
Deposits Rs m301,157867,147 34.7%  
Credit/Deposit ratio x79.173.7 107.4%  
Yield on advances %10.910.0 108.9%   
Cost of deposits %6.47.7 83.5%   
Net Interest Margin %3.61.8 200.7%  
Net fixed assets Rs m2,1519,948 21.6%   
Share capital Rs m6014,004 15.0%   
Free reserves Rs m22,45531,061 72.3%   
Net worth Rs m35,70255,962 63.8%   
Borrowings Rs m5,31030,482 17.4%   
Investments Rs m70,315267,517 26.3%   
Total assets Rs m352,708977,534 36.1%  
Debt/equity ratio x8.616.0 53.5%   
Return on assets %1.40.1 1,148.3%  
Return on equity %14.12.2 649.4%  
Capital adequacy ratio %15.811.2 140.8%  
Net NPAs %1.73.6 48.2%  
CASH FLOW
From Operations Rs m2,836-19,816 -14.3%  
From Investments Rs m-503-845 59.6%  
From Financial Activity Rs m-44-392 11.2%  
Net Cashflow Rs m2,289-21,053 -10.9%  

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:   ORIENTAL BANK  UNITED BANK OF INDIA  PNB  IDBI BANK  KARUR VYSYA BANK  

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



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Jan 23, 2018 03:30 PM

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