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CITY UNION BANK vs SOUTH IND.BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK SOUTH IND.BANK CITY UNION BANK/
SOUTH IND.BANK
 
P/E (TTM) x 15.6 6.3 250.1% View Chart
P/BV x 2.2 0.6 359.5% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 CITY UNION BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-22
SOUTH IND.BANK
Mar-22
CITY UNION BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs18414 1,316.5%   
Low Rs1097 1,457.7%   
Income per share (Unadj.) Rs55.531.5 176.3%  
Earnings per share (Unadj.) Rs10.30.2 4,800.5%  
Cash flow per share (Unadj.) Rs16.63.5 475.8%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.70-  
Book value per share (Unadj.) Rs89.028.0 318.4%  
Shares outstanding (eoy) m739.582,092.74 35.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.60.3 774.4%   
Avg P/E ratio x14.250.0 28.4%  
Avg P/CF ratio x6.81.8 377.4%  
Avg Price/Bookvalue ratio x1.60.4 428.9%  
Dividend payout %9.70-   
Avg Mkt Cap Rs m108,07222,392 482.6%   
No. of employees `000NANA-   
Total wages & salary Rs m5,03611,983 42.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,04865,865 62.3%  
Other income Rs m7,59110,339 73.4%   
Interest expense Rs m21,88343,468 50.3%   
Net interest income Rs m19,16522,398 85.6%  
Operating expense Rs m10,80320,263 53.3%   
Gross profit Rs m8,3622,134 391.8%  
Gross profit margin %20.43.2 628.7%  
Provisions/contingencies Rs m8,35112,025 69.4%   
Profit before tax Rs m9,852-922 -1,068.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,250-1,370 -164.3%   
Profit after tax Rs m7,602448 1,696.5%  
Net profit margin %18.50.7 2,722.2%  
BALANCE SHEET DATA
Advances Rs m403,585599,934 67.3%   
Deposits Rs m476,897891,417 53.5%  
Credit/Deposit ratio x84.667.3 125.7%  
Yield on advances %8.68.4 101.3%   
Cost of deposits %4.44.6 97.5%   
Net Interest Margin %3.62.8 132.5%  
Net fixed assets Rs m2,1477,520 28.5%   
Share capital Rs m7402,093 35.3%   
Free reserves Rs m65,11756,437 115.4%   
Net worth Rs m65,85758,530 112.5%   
Borrowings Rs m53,11832,945 161.2%   
Investments Rs m122,212214,445 57.0%   
Total assets Rs m615,3091,000,519 61.5%  
Debt/equity ratio x8.015.8 51.0%   
Return on assets %1.20 2,758.6%  
Return on equity %11.50.8 1,507.7%  
Capital adequacy ratio %20.915.9 131.5%  
Net NPAs %3.03.0 99.3%  
CASH FLOW
From Operations Rs m11,65543,516 26.8%  
From Investments Rs m-628-17,406 3.6%  
From Financial Activity Rs m-308-1,754 17.6%  
Net Cashflow Rs m10,71924,356 44.0%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.5 19.5 315.8%  
FIIs % 21.3 7.8 272.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 100.0 100.0%  
Shareholders   135,282 697,657 19.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on City Union Bank vs South Ind.Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

City Union Bank vs South Ind.Bank Share Price Performance

Period City Union Bank South Ind.Bank S&P BSE BANKEX
1-Day 1.11% -0.30% -0.32%
1-Month 2.82% 21.82% 4.24%
1-Year 31.59% 87.57% 18.20%
3-Year CAGR -6.02% 14.98% 10.79%
5-Year CAGR 1.74% -11.95% 11.65%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the South Ind.Bank share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of South Ind.Bank the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of City Union Bank and the shareholding pattern of South Ind.Bank.

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 9.7%.

South Ind.Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of South Ind.Bank.

For a sector overview, read our banking sector report.



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