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CITY UNION BANK vs UNITED BANK OF INDIA - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK UNITED BANK OF INDIA CITY UNION BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 9.7 9.3 104.2% View Chart
P/BV x 1.3 0.4 359.5% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 CITY UNION BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
UNITED BANK OF INDIA
Mar-19
CITY UNION BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs20515 1,384.8%   
Low Rs1189 1,299.4%   
Income per share (Unadj.) Rs63.711.5 552.5%  
Earnings per share (Unadj.) Rs12.7-3.1 -406.1%  
Cash flow per share (Unadj.) Rs19.6-7.2 -271.8%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.715.5 650.6%  
Shares outstanding (eoy) m740.427,427.92 10.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.51.0 244.8%   
Avg P/E ratio x12.7-3.8 -333.0%  
Avg P/CF ratio x6.66.3 104.7%  
Avg Price/Bookvalue ratio x1.60.8 207.9%  
Dividend payout %7.90-   
Avg Mkt Cap Rs m119,41188,578 134.8%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30419,545 27.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,14385,599 55.1%  
Other income Rs m8,10423,846 34.0%   
Interest expense Rs m25,51565,853 38.7%   
Net interest income Rs m21,62819,746 109.5%  
Operating expense Rs m11,55229,476 39.2%   
Gross profit Rs m10,076-9,730 -103.6%  
Gross profit margin %21.4-11.4 -188.0%  
Provisions/contingencies Rs m8,80537,275 23.6%   
Profit before tax Rs m11,775-45,809 -25.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,400-22,650 -10.6%   
Profit after tax Rs m9,375-23,159 -40.5%  
Net profit margin %19.9-27.1 -73.5%  
BALANCE SHEET DATA
Advances Rs m430,533669,551 64.3%   
Deposits Rs m523,9791,349,833 38.8%  
Credit/Deposit ratio x82.249.6 165.6%  
Yield on advances %8.87.6 116.8%   
Cost of deposits %4.44.7 92.9%   
Net Interest Margin %3.81.5 244.2%  
Net fixed assets Rs m2,39312,341 19.4%   
Share capital Rs m74074,279 1.0%   
Free reserves Rs m73,83240,710 181.4%   
Net worth Rs m74,572114,989 64.9%   
Borrowings Rs m46,88122,037 212.7%   
Investments Rs m143,326609,760 23.5%   
Total assets Rs m665,9461,515,299 43.9%  
Debt/equity ratio x7.711.9 64.2%   
Return on assets %1.4-1.5 -92.1%  
Return on equity %12.6-20.1 -62.4%  
Capital adequacy ratio %22.313.0 171.8%  
Net NPAs %2.48.7 27.2%  
CASH FLOW
From Operations Rs m1,004-150,737 -0.7%  
From Investments Rs m-719-732 98.2%  
From Financial Activity Rs m-66245,761 -1.4%  
Net Cashflow Rs m-377-105,708 0.4%  

Share Holding

Indian Promoters % 0.0 97.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.0 1.2 4,796.7%  
FIIs % 26.6 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 2.6 3,861.0%  
Shareholders   216,019 101,958 211.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on City Union Bank vs United Bank of India

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

City Union Bank vs United Bank of India Share Price Performance

Period City Union Bank United Bank of India S&P BSE BANKEX
1-Day -0.39% -0.44% -0.37%
1-Month -7.18% -42.19% -0.26%
1-Year 0.55% -59.60% 17.86%
3-Year CAGR -9.07% -43.77% 11.03%
5-Year CAGR -7.86% -31.10% 9.52%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the United Bank of India share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of United Bank of India the stake stands at 97.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of City Union Bank and the shareholding pattern of United Bank of India.

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 7.9%.

United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of United Bank of India.

For a sector overview, read our banking sector report.



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