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CITY UNION BANK vs UNITED BANK OF INDIA - 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

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Current Valuations

    CITY UNION BANK UNITED BANK OF INDIA CITY UNION BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 18.0 -0.4 - View Chart
P/BV x 3.1 0.1 5,255.6% View Chart
Dividend Yield % 0.1 0.0 -  

Financials

 CITY UNION BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
UNITED BANK OF INDIA
Mar-19
CITY UNION BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs20915 1,410.8%   
Low Rs1459 1,593.4%   
Income per share (Unadj.) Rs51.211.5 444.2%  
Earnings per share (Unadj.) Rs8.9-3.1 -285.6%  
Cash flow per share (Unadj.) Rs17.0-10.3 -165.1%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.615.5 404.6%  
Shares outstanding (eoy) m664.737,427.92 8.9%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.51.0 333.3%   
Avg P/E ratio x19.9-3.8 -518.3%  
Avg P/CF ratio x11.62.4 482.4%  
Avg Price/Bookvalue ratio x2.80.8 365.9%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,59188,764 132.5%   
No. of employees `0005.314.3 37.2%   
Total wages & salary Rs m3,15919,545 16.2%   
Avg. income/employee Rs Th6,396.75,987.6 106.8%   
Avg. wages/employee Rs Th593.91,367.2 43.4%   
Avg. net profit/employee Rs Th1,113.0-1,620.0 -68.7%   
INCOME DATA
Interest income Rs m34,02485,599 39.7%  
Other income Rs m5,32123,846 22.3%   
Interest expense Rs m19,72165,853 29.9%   
Net interest income Rs m14,30319,746 72.4%  
Operating expense Rs m7,54729,476 25.6%   
Gross profit Rs m6,757-9,730 -69.4%  
Gross profit margin %19.9-11.4 -174.7%  
Provisions/contingencies Rs m4,17859,925 7.0%   
Profit before tax Rs m7,900-45,809 -17.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,980-22,650 -8.7%   
Profit after tax Rs m5,920-23,159 -25.6%  
Net profit margin %17.4-27.1 -64.3%  
BALANCE SHEET DATA
Advances Rs m278,528669,551 41.6%   
Deposits Rs m328,5261,349,833 24.3%  
Credit/Deposit ratio x84.849.6 170.9%  
Yield on advances %10.27.6 134.9%   
Cost of deposits %5.94.7 125.2%   
Net Interest Margin %3.71.4 259.8%  
Net fixed assets Rs m2,23112,401 18.0%   
Share capital Rs m66574,279 0.9%   
Free reserves Rs m40,96840,710 100.6%   
Net worth Rs m41,632114,989 36.2%   
Borrowings Rs m17,35922,037 78.8%   
Investments Rs m78,791609,760 12.9%   
Total assets Rs m399,3731,515,299 26.4%  
Debt/equity ratio x8.311.9 69.6%   
Return on assets %1.5-1.5 -97.0%  
Return on equity %14.2-20.1 -70.6%  
Capital adequacy ratio %16.213.0 124.8%  
Net NPAs %1.78.7 19.6%  
CASH FLOW
From Operations Rs m-1,831-150,737 1.2%  
From Investments Rs m-605-732 82.7%  
From Financial Activity Rs m1145,761 0.0%  
Net Cashflow Rs m-2,425-105,708 2.3%  

Share Holding

Indian Promoters % 0.0 88.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 5.2 196.2%  
FIIs % 33.4 0.3 11,133.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 6.5 861.5%  
Shareholders   82,699 78,272 105.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   INDUSIND BANK  ICICI BANK  SBI  INDIAN OVERSEAS BANK  CORPORATION BANK  

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



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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.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA'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.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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Sep 20, 2019 (Close)

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