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Compare City Union Bank with Yes Bank - Equitymaster
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CITY UNION BANK vs YES 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

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    CITY UNION BANK YES BANK CITY UNION BANK/
YES BANK
 
P/E (TTM) x 18.9 20.4 92.9% View Chart
P/BV x 3.0 3.3 91.5% View Chart
Dividend Yield % 0.8 0.7 111.7%  

Financials

 CITY UNION BANK   YES BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
YES BANK
Mar-17
CITY UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs981,558 6.3%   
Low Rs77827 9.3%   
Income per share (Unadj.) Rs49.2359.8 13.7%  
Earnings per share (Unadj.) Rs7.473.2 10.2%  
Cash flow per share (Unadj.) Rs15.5184.6 8.4%  
Dividends per share (Unadj.) Rs1.2012.00 10.0%  
Avg Dividend yield %1.41.0 136.3%  
Book value per share (Unadj.) Rs51.0482.8 10.6%  
Shares outstanding (eoy) m598.19456.49 131.0%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x1.83.3 53.6%   
Avg P/E ratio x11.816.3 72.2%  
Avg P/CF ratio x7.713.2 58.8%  
Avg Price/Bookvalue ratio x1.72.5 69.4%  
Dividend payout %16.116.4 98.4%   
Avg Mkt Cap Rs m52,312544,273 9.6%   
No. of employees `0004.520.1 22.4%   
Total wages & salary Rs m2,13218,402 11.6%   
Avg. income/employee Rs Th6,518.18,161.5 79.9%   
Avg. wages/employee Rs Th471.9914.4 51.6%   
Avg. net profit/employee Rs Th984.51,659.6 59.3%   
INCOME DATA
Interest income Rs m29,442164,250 17.9%  
Other income Rs m4,10042,178 9.7%   
Interest expense Rs m19,632106,265 18.5%   
Net interest income Rs m9,81057,985 16.9%  
Operating expense Rs m5,57741,686 13.4%   
Gross profit Rs m4,23316,299 26.0%  
Gross profit margin %14.49.9 144.9%  
Provisions/contingencies Rs m2,3067,938 29.1%   
Profit before tax Rs m6,02750,539 11.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,58017,140 9.2%   
Profit after tax Rs m4,44733,399 13.3%  
Net profit margin %15.120.3 74.3%  
BALANCE SHEET DATA
Advances Rs m210,5691,322,627 15.9%   
Deposits Rs m271,5811,428,574 19.0%  
Credit/Deposit ratio x77.592.6 83.7%  
Yield on advances %11.29.2 121.8%   
Cost of deposits %7.15.7 123.3%   
Net Interest Margin %3.32.9 113.9%  
Net fixed assets Rs m2,1766,868 31.7%   
Share capital Rs m5984,565 13.1%   
Free reserves Rs m19,301177,869 10.9%   
Net worth Rs m30,520220,396 13.8%   
Borrowings Rs m1,126386,067 0.3%   
Investments Rs m63,245499,818 12.7%   
Total assets Rs m312,5202,150,597 14.5%  
Debt/equity ratio x8.98.2 108.5%   
Return on assets %1.41.6 91.6%  
Return on equity %14.615.2 96.1%  
Capital adequacy ratio %15.617.0 91.6%  
Net NPAs %1.50.8 188.9%  
CASH FLOW
From Operations Rs m1,98543,841 4.5%  
From Investments Rs m-600-44,739 1.3%  
From Financial Activity Rs m-752114,292 -0.7%  
Net Cashflow Rs m633113,395 0.6%  

Share Holding

Indian Promoters % 0.0 22.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 20.7 49.3%  
FIIs % 33.4 45.1 74.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 12.2 459.0%  
Shareholders   82,699 172,309 48.0%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   AXIS BANK  DHANLAXMI BANK  HDFC BANK  VIJAYA BANK  CORPORATION BANK  

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



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Aug 18, 2017 (Close)

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