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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 16.6 -0.8 - View Chart
P/BV x 2.5 0.2 1,422.8% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
PUNJAB & SIND BANK
Mar-17
CITY UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs20959 356.9%   
Low Rs14534 424.0%   
Income per share (Unadj.) Rs51.2204.1 25.1%  
Earnings per share (Unadj.) Rs8.95.0 177.3%  
Cash flow per share (Unadj.) Rs17.018.8 90.0%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.6153.4 40.8%  
Shares outstanding (eoy) m664.73400.41 166.0%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.2 1,522.0%   
Avg P/E ratio x19.99.2 215.2%  
Avg P/CF ratio x11.61.6 748.3%  
Avg Price/Bookvalue ratio x2.80.3 934.8%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,59118,559 633.6%   
No. of employees `0005.39.4 56.6%   
Total wages & salary Rs m3,1599,901 31.9%   
Avg. income/employee Rs Th6,396.78,694.5 73.6%   
Avg. wages/employee Rs Th593.91,053.3 56.4%   
Avg. net profit/employee Rs Th1,113.0213.9 520.3%   
INCOME DATA
Interest income Rs m34,02481,729 41.6%  
Other income Rs m5,3215,781 92.0%   
Interest expense Rs m19,72160,135 32.8%   
Net interest income Rs m14,30321,593 66.2%  
Operating expense Rs m7,54714,956 50.5%   
Gross profit Rs m6,7576,638 101.8%  
Gross profit margin %19.98.1 244.5%  
Provisions/contingencies Rs m4,1789,914 42.1%   
Profit before tax Rs m7,9002,505 315.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,980494 400.9%   
Profit after tax Rs m5,9202,011 294.4%  
Net profit margin %17.42.5 707.2%  
BALANCE SHEET DATA
Advances Rs m278,528583,345 47.7%   
Deposits Rs m328,526855,402 38.4%  
Credit/Deposit ratio x84.868.2 124.3%  
Yield on advances %10.29.7 104.7%   
Cost of deposits %5.96.8 86.2%   
Net Interest Margin %3.72.4 156.9%  
Net fixed assets Rs m2,23110,954 20.4%   
Share capital Rs m6654,004 16.6%   
Free reserves Rs m40,96832,842 124.7%   
Net worth Rs m41,63261,425 67.8%   
Borrowings Rs m17,35929,584 58.7%   
Investments Rs m78,791279,485 28.2%   
Total assets Rs m399,373966,434 41.3%  
Debt/equity ratio x8.314.4 57.7%   
Return on assets %1.50.2 712.4%  
Return on equity %14.23.3 434.4%  
Capital adequacy ratio %16.211.1 146.8%  
Net NPAs %1.77.5 22.6%  
CASH FLOW
From Operations Rs m-1,831-5,089 36.0%  
From Investments Rs m-605-198 305.1%  
From Financial Activity Rs m112,159 0.5%  
Net Cashflow Rs m-2,425-3,128 77.5%  

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:   AXIS BANK  CORPORATION BANK  IDBI BANK  VIJAYA BANK  DHANLAXMI BANK  

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



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For the quarter ended September 2018, PUNJAB & SIND BANK has posted a net profit of Rs 1 bn (down 897.3% YoY). Sales on the other hand came in at Rs 22 bn (up 10.1% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Dec 11, 2018 (Close)

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