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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 21.4 -7.4 - View Chart
P/BV x 2.9 0.4 751.0% View Chart
Dividend Yield % 0.2 1.4 12.4%  

Financials

 CITY UNION BANK   UNION BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
UNION BANK
Mar-16
CITY UNION BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs169223 75.7%   
Low Rs93104 89.3%   
Income per share (Unadj.) Rs52.8470.1 11.2%  
Earnings per share (Unadj.) Rs8.419.7 42.4%  
Cash flow per share (Unadj.) Rs18.067.4 26.7%  
Dividends per share (Unadj.) Rs0.301.95 15.4%  
Avg Dividend yield %0.21.2 19.2%  
Book value per share (Unadj.) Rs59.4335.3 17.7%  
Shares outstanding (eoy) m601.06687.44 87.4%   
Bonus/Rights/Conversions ESOSPI-  
Avg Price / Income ratio x2.50.3 712.8%   
Avg P/E ratio x15.68.3 188.9%  
Avg P/CF ratio x9.82.1 455.1%  
Avg Price/Bookvalue ratio x2.20.5 451.9%  
Dividend payout %3.69.9 36.3%   
Avg Mkt Cap Rs m78,589112,259 70.0%   
No. of employees `0004.735.5 13.2%   
Total wages & salary Rs m2,98137,681 7.9%   
Avg. income/employee Rs Th6,768.69,109.9 74.3%   
Avg. wages/employee Rs Th635.81,062.2 59.9%   
Avg. net profit/employee Rs Th1,072.2382.5 280.3%   
INCOME DATA
Interest income Rs m31,738323,157 9.8%  
Other income Rs m4,840393,443 1.2%   
Interest expense Rs m19,750238,940 8.3%   
Net interest income Rs m11,98884,216 14.2%  
Operating expense Rs m6,89067,159 10.3%   
Gross profit Rs m5,09817,057 29.9%  
Gross profit margin %16.15.3 304.3%  
Provisions/contingencies Rs m3,01038,682 7.8%   
Profit before tax Rs m6,92817,769 39.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,9004,291 44.3%   
Profit after tax Rs m5,02813,569 37.1%  
Net profit margin %15.84.2 377.3%  
BALANCE SHEET DATA
Advances Rs m238,3272,682,496 8.9%   
Deposits Rs m301,1573,441,175 8.8%  
Credit/Deposit ratio x79.178.0 101.5%  
Yield on advances %10.98.8 123.1%   
Cost of deposits %6.46.4 100.5%   
Net Interest Margin %3.62.2 163.9%  
Net fixed assets Rs m2,15139,519 5.4%   
Share capital Rs m6016,874 8.7%   
Free reserves Rs m22,455200,761 11.2%   
Net worth Rs m35,702230,481 15.5%   
Borrowings Rs m5,310306,366 1.7%   
Investments Rs m70,315905,732 7.8%   
Total assets Rs m352,7084,073,646 8.7%  
Debt/equity ratio x8.616.3 52.8%   
Return on assets %1.40.3 428.0%  
Return on equity %14.15.9 239.2%  
Capital adequacy ratio %15.811.1 142.1%  
Net NPAs %1.75.3 32.6%  
CASH FLOW
From Operations Rs m2,83682,741 3.4%  
From Investments Rs m-503-8,718 5.8%  
From Financial Activity Rs m-44-3,886 1.1%  
Net Cashflow Rs m2,28970,138 3.3%  

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:   KOTAK MAH. BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  IDBI BANK  KARUR VYSYA BANK  

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



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Jan 22, 2018 (Close)

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