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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 17.5 -0.9 - View Chart
P/BV x 3.0 0.2 1,653.0% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   UNION BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
UNION BANK
Mar-18
CITY UNION BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs169205 82.2%   
Low Rs9386 108.1%   
Income per share (Unadj.) Rs52.8282.0 18.7%  
Earnings per share (Unadj.) Rs8.4-44.6 -18.8%  
Cash flow per share (Unadj.) Rs18.0-115.2 -15.6%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.4216.1 27.5%  
Shares outstanding (eoy) m601.061,168.57 51.4%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.5 479.9%   
Avg P/E ratio x15.6-3.3 -479.2%  
Avg P/CF ratio x9.81.9 517.2%  
Avg Price/Bookvalue ratio x2.20.7 326.9%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,589170,027 46.2%   
No. of employees `0004.737.6 12.5%   
Total wages & salary Rs m2,98133,322 8.9%   
Avg. income/employee Rs Th6,768.68,766.7 77.2%   
Avg. wages/employee Rs Th635.8886.5 71.7%   
Avg. net profit/employee Rs Th1,072.2-1,386.8 -77.3%   
INCOME DATA
Interest income Rs m31,738329,516 9.6%  
Other income Rs m4,84054,621 8.9%   
Interest expense Rs m19,750234,709 8.4%   
Net interest income Rs m11,98894,807 12.6%  
Operating expense Rs m6,89073,508 9.4%   
Gross profit Rs m5,09821,298 23.9%  
Gross profit margin %16.16.5 248.5%  
Provisions/contingencies Rs m3,010142,063 2.1%   
Profit before tax Rs m6,928-66,062 -10.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,900-13,938 -13.6%   
Profit after tax Rs m5,028-52,125 -9.6%  
Net profit margin %15.8-15.8 -100.1%  
BALANCE SHEET DATA
Advances Rs m238,3272,905,715 8.2%   
Deposits Rs m301,1574,102,884 7.3%  
Credit/Deposit ratio x79.170.8 111.7%  
Yield on advances %10.97.9 138.2%   
Cost of deposits %6.45.3 122.6%   
Net Interest Margin %3.62.0 174.5%  
Net fixed assets Rs m2,15138,461 5.6%   
Share capital Rs m60111,686 5.1%   
Free reserves Rs m22,455228,925 9.8%   
Net worth Rs m35,702252,518 14.1%   
Borrowings Rs m5,310456,804 1.2%   
Investments Rs m70,3151,255,107 5.6%   
Total assets Rs m352,7084,911,464 7.2%  
Debt/equity ratio x8.618.1 47.5%   
Return on assets %1.4-1.1 -134.3%  
Return on equity %14.1-20.6 -68.2%  
Capital adequacy ratio %15.811.5 137.7%  
Net NPAs %1.78.4 20.3%  
CASH FLOW
From Operations Rs m2,83660,893 4.7%  
From Investments Rs m-503-3,068 16.4%  
From Financial Activity Rs m-44107,919 -0.0%  
Net Cashflow Rs m2,289165,744 1.4%  

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:   SBI  ORIENTAL BANK  KARNATAKA BANK  DENA BANK  YES BANK  

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



Today's Market

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After opening the day flat share markets in India are trading on a negative note and are presently trading below the dotted line.

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UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 11.1% (Quarterly Result Update)

Aug 13, 2018 | Updated on Aug 13, 2018

For the quarter ended June 2018, UNION BANK has posted a net profit of Rs 1 bn (up 11.1% YoY). Sales on the other hand came in at Rs 87 bn (up 6.7% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 15.2% (Quarterly Result Update)

Aug 10, 2018 | Updated on Aug 10, 2018

For the quarter ended June 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.2% YoY). Sales on the other hand came in at Rs 9 bn (up 7.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Sep 24, 2018 03:09 PM

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