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Compare City Union Bank with SBI - Equitymaster
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CITY UNION BANK vs SBI - 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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    CITY UNION BANK SBI CITY UNION BANK/
SBI
 
P/E (TTM) x 19.2 21.3 90.5% View Chart
P/BV x 3.1 1.2 259.7% View Chart
Dividend Yield % 0.8 0.9 80.8%  

Financials

 CITY UNION BANK   SBI
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
SBI
Mar-16
CITY UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs98305 32.1%   
Low Rs77148 51.9%   
Income per share (Unadj.) Rs49.2285.8 17.2%  
Earnings per share (Unadj.) Rs7.415.7 47.2%  
Cash flow per share (Unadj.) Rs15.568.8 22.6%  
Dividends per share (Unadj.) Rs1.202.60 46.2%  
Avg Dividend yield %1.41.1 119.6%  
Book value per share (Unadj.) Rs51.0232.6 21.9%  
Shares outstanding (eoy) m598.197,763.60 7.7%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x1.80.8 224.0%   
Avg P/E ratio x11.814.4 81.7%  
Avg P/CF ratio x7.73.5 220.8%  
Avg Price/Bookvalue ratio x1.71.0 175.9%  
Dividend payout %16.116.5 97.8%   
Avg Mkt Cap Rs m52,3121,759,620 3.0%   
No. of employees `0004.5207.7 2.2%   
Total wages & salary Rs m2,132325,256 0.7%   
Avg. income/employee Rs Th6,518.110,679.5 61.0%   
Avg. wages/employee Rs Th471.91,565.7 30.1%   
Avg. net profit/employee Rs Th984.5588.5 167.3%   
INCOME DATA
Interest income Rs m29,4422,218,548 1.3%  
Other income Rs m4,100510,162 0.8%   
Interest expense Rs m19,6321,430,474 1.4%   
Net interest income Rs m9,810788,075 1.2%  
Operating expense Rs m5,577737,171 0.8%   
Gross profit Rs m4,23350,904 8.3%  
Gross profit margin %14.42.3 626.6%  
Provisions/contingencies Rs m2,306379,298 0.6%   
Profit before tax Rs m6,027181,768 3.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,945 0.0%   
Prior Period Items Rs m02,758 0.0%   
Tax Rs m1,58054,335 2.9%   
Profit after tax Rs m4,447122,246 3.6%  
Net profit margin %15.15.5 274.1%  
BALANCE SHEET DATA
Advances Rs m210,56918,702,609 1.1%   
Deposits Rs m271,58122,538,576 1.2%  
Credit/Deposit ratio x77.583.0 93.4%  
Yield on advances %11.28.4 133.9%   
Cost of deposits %7.15.9 120.5%   
Net Interest Margin %3.32.8 115.4%  
Net fixed assets Rs m2,176152,557 1.4%   
Share capital Rs m5987,763 7.7%   
Free reserves Rs m19,3011,063,251 1.8%   
Net worth Rs m30,5201,805,924 1.7%   
Borrowings Rs m1,1262,582,144 0.0%   
Investments Rs m63,2457,051,891 0.9%   
Total assets Rs m312,52029,708,976 1.1%  
Debt/equity ratio x8.913.9 64.2%   
Return on assets %1.40.4 345.8%  
Return on equity %14.66.8 215.2%  
Capital adequacy ratio %15.613.9 111.8%  
Net NPAs %1.53.8 40.2%  
CASH FLOW
From Operations Rs m1,985140,767 1.4%  
From Investments Rs m-600-36,686 1.6%  
From Financial Activity Rs m-75243,485 -1.7%  
Net Cashflow Rs m633147,566 0.4%  

Share Holding

Indian Promoters % 0.0 58.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 20.9 48.8%  
FIIs % 33.4 9.7 344.3%  
ADR/GDR % 0.0 2.1 -  
Free float % 56.0 8.7 643.7%  
Shareholders   82,699 855,889 9.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   KOTAK MAH. BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  HDFC BANK  KARUR VYSYA BANK  

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



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Aug 22, 2017 03:36 PM

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