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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 19.2 18.8 102.3% View Chart
P/BV x 2.9 3.2 90.6% View Chart
Dividend Yield % 0.2 3.9 4.4%  

Financials

 CITY UNION BANK   YES BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
YES BANK
Mar-17
CITY UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs1691,558 10.8%   
Low Rs93827 11.2%   
Income per share (Unadj.) Rs52.8359.8 14.7%  
Earnings per share (Unadj.) Rs8.473.2 11.4%  
Cash flow per share (Unadj.) Rs18.0184.6 9.7%  
Dividends per share (Unadj.) Rs0.3012.00 2.5%  
Avg Dividend yield %0.21.0 22.8%  
Book value per share (Unadj.) Rs59.4482.8 12.3%  
Shares outstanding (eoy) m601.06456.49 131.7%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x2.53.3 74.7%   
Avg P/E ratio x15.616.3 95.9%  
Avg P/CF ratio x9.813.2 74.3%  
Avg Price/Bookvalue ratio x2.22.5 89.1%  
Dividend payout %3.616.4 21.9%   
Avg Mkt Cap Rs m78,589544,273 14.4%   
No. of employees `0004.720.1 23.3%   
Total wages & salary Rs m2,98118,402 16.2%   
Avg. income/employee Rs Th6,768.68,161.5 82.9%   
Avg. wages/employee Rs Th635.8914.4 69.5%   
Avg. net profit/employee Rs Th1,072.21,659.6 64.6%   
INCOME DATA
Interest income Rs m31,738164,250 19.3%  
Other income Rs m4,84042,178 11.5%   
Interest expense Rs m19,750106,265 18.6%   
Net interest income Rs m11,98857,985 20.7%  
Operating expense Rs m6,89041,686 16.5%   
Gross profit Rs m5,09816,299 31.3%  
Gross profit margin %16.19.9 161.9%  
Provisions/contingencies Rs m3,0107,938 37.9%   
Profit before tax Rs m6,92850,539 13.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,90017,140 11.1%   
Profit after tax Rs m5,02833,399 15.1%  
Net profit margin %15.820.3 77.9%  
BALANCE SHEET DATA
Advances Rs m238,3271,322,627 18.0%   
Deposits Rs m301,1571,428,574 21.1%  
Credit/Deposit ratio x79.192.6 85.5%  
Yield on advances %10.99.2 117.7%   
Cost of deposits %6.45.7 112.3%   
Net Interest Margin %3.62.9 123.6%  
Net fixed assets Rs m2,1516,868 31.3%   
Share capital Rs m6014,565 13.2%   
Free reserves Rs m22,455177,869 12.6%   
Net worth Rs m35,702220,396 16.2%   
Borrowings Rs m5,310386,067 1.4%   
Investments Rs m70,315499,818 14.1%   
Total assets Rs m352,7082,150,597 16.4%  
Debt/equity ratio x8.68.2 104.3%   
Return on assets %1.41.6 91.8%  
Return on equity %14.115.2 92.9%  
Capital adequacy ratio %15.817.0 93.1%  
Net NPAs %1.70.8 211.1%  
CASH FLOW
From Operations Rs m2,83643,841 6.5%  
From Investments Rs m-503-44,739 1.1%  
From Financial Activity Rs m-44114,292 -0.0%  
Net Cashflow Rs m2,289113,395 2.0%  

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:   KARUR VYSYA BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  KOTAK MAH. BANK  BANK OF MAHARASHTRA  

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



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Feb 20, 2018 (Close)

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