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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 9.7 6.6 145.7% View Chart
P/BV x 1.3 1.1 114.4% View Chart
Dividend Yield % 0.8 1.1 73.9%  

Financials

 CITY UNION BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
SOUTH IND.BANK
Mar-23
CITY UNION BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs20522 940.1%   
Low Rs1187 1,617.6%   
Income per share (Unadj.) Rs63.734.6 184.2%  
Earnings per share (Unadj.) Rs12.73.7 341.8%  
Cash flow per share (Unadj.) Rs19.613.5 145.0%  
Dividends per share (Unadj.) Rs1.000.30 333.3%  
Avg Dividend yield %0.62.1 30.0%  
Book value per share (Unadj.) Rs100.731.9 315.8%  
Shares outstanding (eoy) m740.422,092.74 35.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.50.4 602.3%   
Avg P/E ratio x12.73.9 324.7%  
Avg P/CF ratio x6.62.0 325.5%  
Avg Price/Bookvalue ratio x1.60.5 351.4%  
Dividend payout %7.98.1 97.5%   
Avg Mkt Cap Rs m119,41130,418 392.6%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30413,080 40.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,14372,332 65.2%  
Other income Rs m8,1048,114 99.9%   
Interest expense Rs m25,51542,211 60.4%   
Net interest income Rs m21,62830,121 71.8%  
Operating expense Rs m11,55223,158 49.9%   
Gross profit Rs m10,0766,963 144.7%  
Gross profit margin %21.49.6 222.0%  
Provisions/contingencies Rs m8,8057,323 120.2%   
Profit before tax Rs m11,77512,468 94.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,4004,715 50.9%   
Profit after tax Rs m9,3757,753 120.9%  
Net profit margin %19.910.7 185.5%  
BALANCE SHEET DATA
Advances Rs m430,533698,044 61.7%   
Deposits Rs m523,979916,501 57.2%  
Credit/Deposit ratio x82.276.2 107.9%  
Yield on advances %8.88.2 107.9%   
Cost of deposits %4.44.2 103.5%   
Net Interest Margin %3.83.2 118.2%  
Net fixed assets Rs m2,3937,539 31.7%   
Share capital Rs m7402,093 35.4%   
Free reserves Rs m73,83264,654 114.2%   
Net worth Rs m74,57266,746 111.7%   
Borrowings Rs m46,88169,939 67.0%   
Investments Rs m143,326246,413 58.2%   
Total assets Rs m665,9461,076,972 61.8%  
Debt/equity ratio x7.714.8 51.8%   
Return on assets %1.40.7 195.5%  
Return on equity %12.611.6 108.2%  
Capital adequacy ratio %22.317.3 129.5%  
Net NPAs %2.41.9 126.9%  
CASH FLOW
From Operations Rs m1,004-72,608 -1.4%  
From Investments Rs m-719-3,861 18.6%  
From Financial Activity Rs m-66235,239 -1.9%  
Net Cashflow Rs m-377-41,229 0.9%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 22.3 264.7%  
FIIs % 26.6 14.7 181.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 100.0 100.0%  
Shareholders   216,019 888,397 24.3%  
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 -0.47% -2.65% -0.34%
1-Month -7.26% -15.81% -0.23%
1-Year 0.47% 62.29% 17.89%
3-Year CAGR -9.09% 46.81% 11.04%
5-Year CAGR -7.87% 12.06% 9.53%

* 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 7.9%.

South Ind.Bank paid Rs 0.3, and its dividend payout ratio stood at 8.1%.

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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