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Compare City Union Bank with Union Bank - Equitymaster
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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 18.9 15.5 122.3% View Chart
P/BV x 3.0 0.4 826.7% View Chart
Dividend Yield % 0.8 1.5 52.8%  

Financials

 CITY UNION BANK   UNION BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
UNION BANK
Mar-16
CITY UNION BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs98223 44.0%   
Low Rs77104 73.9%   
Income per share (Unadj.) Rs49.2470.1 10.5%  
Earnings per share (Unadj.) Rs7.419.7 37.7%  
Cash flow per share (Unadj.) Rs15.567.4 23.1%  
Dividends per share (Unadj.) Rs1.201.95 61.5%  
Avg Dividend yield %1.41.2 114.9%  
Book value per share (Unadj.) Rs51.0335.3 15.2%  
Shares outstanding (eoy) m598.19687.44 87.0%   
Bonus/Rights/Conversions ESOSPI-  
Avg Price / Income ratio x1.80.3 511.5%   
Avg P/E ratio x11.88.3 142.2%  
Avg P/CF ratio x7.72.1 360.6%  
Avg Price/Bookvalue ratio x1.70.5 351.9%  
Dividend payout %16.19.9 163.4%   
Avg Mkt Cap Rs m52,312112,259 46.6%   
No. of employees `0004.535.5 12.7%   
Total wages & salary Rs m2,13237,681 5.7%   
Avg. income/employee Rs Th6,518.19,109.9 71.5%   
Avg. wages/employee Rs Th471.91,062.2 44.4%   
Avg. net profit/employee Rs Th984.5382.5 257.4%   
INCOME DATA
Interest income Rs m29,442323,157 9.1%  
Other income Rs m4,100393,443 1.0%   
Interest expense Rs m19,632238,940 8.2%   
Net interest income Rs m9,81084,216 11.6%  
Operating expense Rs m5,57767,159 8.3%   
Gross profit Rs m4,23317,057 24.8%  
Gross profit margin %14.45.3 272.4%  
Provisions/contingencies Rs m2,30638,682 6.0%   
Profit before tax Rs m6,02717,769 33.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,5804,291 36.8%   
Profit after tax Rs m4,44713,569 32.8%  
Net profit margin %15.14.2 359.7%  
BALANCE SHEET DATA
Advances Rs m210,5692,682,496 7.8%   
Deposits Rs m271,5813,441,175 7.9%  
Credit/Deposit ratio x77.578.0 99.5%  
Yield on advances %11.28.8 127.3%   
Cost of deposits %7.16.4 110.4%   
Net Interest Margin %3.32.2 150.9%  
Net fixed assets Rs m2,17639,519 5.5%   
Share capital Rs m5986,874 8.7%   
Free reserves Rs m19,301200,761 9.6%   
Net worth Rs m30,520230,481 13.2%   
Borrowings Rs m1,126306,366 0.4%   
Investments Rs m63,245905,732 7.0%   
Total assets Rs m312,5204,073,646 7.7%  
Debt/equity ratio x8.916.3 55.0%   
Return on assets %1.40.3 427.2%  
Return on equity %14.65.9 247.5%  
Capital adequacy ratio %15.611.1 139.9%  
Net NPAs %1.55.3 29.1%  
CASH FLOW
From Operations Rs m1,98582,741 2.4%  
From Investments Rs m-600-8,718 6.9%  
From Financial Activity Rs m-752-3,886 19.3%  
Net Cashflow Rs m63370,138 0.9%  

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:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  

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



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Aug 18, 2017 (Close)

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