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CITY UNION BANK vs UNION 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    CITY UNION BANK UNION BANK CITY UNION BANK/
UNION BANK
 
P/E (TTM) x 16.7 -1.2 - View Chart
P/BV x 2.8 0.1 2,148.6% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   UNION BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
UNION BANK
Mar-19
CITY UNION BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs209106 197.4%   
Low Rs14561 236.2%   
Income per share (Unadj.) Rs51.2194.6 26.3%  
Earnings per share (Unadj.) Rs8.9-16.6 -53.7%  
Cash flow per share (Unadj.) Rs17.0-42.9 -39.5%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.6151.6 41.3%  
Shares outstanding (eoy) m664.731,763.02 37.7%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.4 804.6%   
Avg P/E ratio x19.9-5.0 -393.8%  
Avg P/CF ratio x11.61.7 679.0%  
Avg Price/Bookvalue ratio x2.80.6 512.3%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,591147,388 79.8%   
No. of employees `0005.337.3 14.3%   
Total wages & salary Rs m3,15932,372 9.8%   
Avg. income/employee Rs Th6,396.79,208.8 69.5%   
Avg. wages/employee Rs Th593.9868.8 68.4%   
Avg. net profit/employee Rs Th1,113.0-784.3 -141.9%   
INCOME DATA
Interest income Rs m34,024343,137 9.9%  
Other income Rs m5,32150,417 10.6%   
Interest expense Rs m19,721238,961 8.3%   
Net interest income Rs m14,303104,176 13.7%  
Operating expense Rs m7,54778,562 9.6%   
Gross profit Rs m6,75725,614 26.4%  
Gross profit margin %19.97.5 266.0%  
Provisions/contingencies Rs m4,178115,157 3.6%   
Profit before tax Rs m7,900-39,016 -20.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,980-9,792 -20.2%   
Profit after tax Rs m5,920-29,224 -20.3%  
Net profit margin %17.4-8.5 -204.3%  
BALANCE SHEET DATA
Advances Rs m278,5282,987,801 9.3%   
Deposits Rs m328,5264,175,048 7.9%  
Credit/Deposit ratio x84.871.6 118.5%  
Yield on advances %10.28.0 127.7%   
Cost of deposits %5.95.3 110.8%   
Net Interest Margin %3.72.2 168.3%  
Net fixed assets Rs m2,23137,745 5.9%   
Share capital Rs m66517,630 3.8%   
Free reserves Rs m40,968249,686 16.4%   
Net worth Rs m41,632267,317 15.6%   
Borrowings Rs m17,359432,756 4.0%   
Investments Rs m78,7911,283,912 6.1%   
Total assets Rs m399,3734,985,805 8.0%  
Debt/equity ratio x8.317.2 48.2%   
Return on assets %1.5-0.6 -252.9%  
Return on equity %14.2-10.9 -130.1%  
Capital adequacy ratio %16.211.8 137.7%  
Net NPAs %1.76.9 24.8%  
CASH FLOW
From Operations Rs m-1,831-77,784 2.4%  
From Investments Rs m-605-2,971 20.4%  
From Financial Activity Rs m1117,582 0.1%  
Net Cashflow Rs m-2,425-63,173 3.8%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 16.6 61.4%  
FIIs % 33.4 8.5 392.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 14.8 378.4%  
Shareholders   82,699 235,817 35.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   PNB  INDIAN OVERSEAS BANK  ICICI BANK  PUNJAB & SIND BANK  SYNDICATE BANK  

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



Today's Market

Sensex Slumps 470 Points; Energy and Banking Stocks Witness Selling(Closing)

Indian share markets witnessed negative trading activity throughout the day and ended deep in the red. The BSE Sensex fell over 550 points intraday and breached the 36,000 mark.

Related Views on News

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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Sep 19, 2019 03:35 PM

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