Compare Development Credit Bank with City Union Bank - Equitymaster

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DCB BANK vs CITY UNION BANK - Comparison Results

DCB BANK     Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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

    DCB BANK CITY UNION BANK DCB BANK/
CITY UNION BANK
 
P/E (TTM) x 6.7 20.1 33.3% View Chart
P/BV x 0.7 1.8 39.1% View Chart
Dividend Yield % 1.3 0.3 374.7%  

Financials

 DCB BANK   CITY UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-19
CITY UNION BANK
Mar-19
DCB BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs209207 100.6%   
Low Rs140157 88.9%   
Income per share (Unadj.) Rs98.351.3 191.6%  
Earnings per share (Unadj.) Rs10.59.3 113.1%  
Cash flow per share (Unadj.) Rs39.420.4 193.4%  
Dividends per share (Unadj.) Rs1.000.50 200.0%  
Avg Dividend yield %0.60.3 209.3%  
Book value per share (Unadj.) Rs100.665.9 152.7%  
Shares outstanding (eoy) m309.55734.50 42.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.83.6 49.9%   
Avg P/E ratio x16.619.6 84.5%  
Avg P/CF ratio x11.613.4 86.3%  
Avg Price/Bookvalue ratio x1.72.8 62.6%  
Dividend payout %9.55.4 176.9%   
Avg Mkt Cap Rs m53,862133,752 40.3%   
No. of employees `0006.15.5 111.2%   
Total wages & salary Rs m4,3403,644 119.1%   
Avg. income/employee Rs Th4,958.46,827.1 72.6%   
Avg. wages/employee Rs Th707.5660.5 107.1%   
Avg. net profit/employee Rs Th530.41,237.5 42.9%   
INCOME DATA
Interest income Rs m30,41537,672 80.7%  
Other income Rs m3,5025,144 68.1%   
Interest expense Rs m18,92221,557 87.8%   
Net interest income Rs m11,49316,115 71.3%  
Operating expense Rs m8,5298,859 96.3%   
Gross profit Rs m2,9647,256 40.9%  
Gross profit margin %9.719.3 50.6%  
Provisions/contingencies Rs m1,4013,151 44.4%   
Profit before tax Rs m5,0659,249 54.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,8122,420 74.9%   
Profit after tax Rs m3,2546,829 47.6%  
Net profit margin %10.718.1 59.0%  
BALANCE SHEET DATA
Advances Rs m235,680326,733 72.1%   
Deposits Rs m284,351384,480 74.0%  
Credit/Deposit ratio x82.985.0 97.5%  
Yield on advances %10.49.7 106.8%   
Cost of deposits %6.05.5 109.6%   
Net Interest Margin %3.43.7 90.4%  
Net fixed assets Rs m5,2602,500 210.4%   
Share capital Rs m3,096735 421.4%   
Free reserves Rs m28,04947,673 58.8%   
Net worth Rs m31,14448,408 64.3%   
Borrowings Rs m27,2324,809 566.3%   
Investments Rs m78,44177,122 101.7%   
Total assets Rs m357,918452,589 79.1%  
Debt/equity ratio x10.08.0 124.4%   
Return on assets %0.91.5 60.3%  
Return on equity %10.414.1 74.1%  
Capital adequacy ratio %16.815.6 108.1%  
Net NPAs %0.71.8 35.9%  
CASH FLOW
From Operations Rs m-2,8133,969 -70.9%  
From Investments Rs m-764-867 88.2%  
From Financial Activity Rs m7,792166 4,685.2%  
Net Cashflow Rs m4,2143,269 128.9%  

Share Holding

Indian Promoters % 0.9 0.0 -  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 10.2 227.5%  
FIIs % 15.0 33.4 44.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 56.0 81.3%  
Shareholders   184,073 82,699 222.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   FEDERAL BANK  YES BANK  PUNJAB & SIND BANK  DENA BANK  ORIENTAL BANK  

Compare DCB BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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CITY UNION BANK Announces Quarterly Results (1QFY21); Net Profit Down 17.0% (Quarterly Result Update)

Sep 14, 2020 | Updated on Sep 14, 2020

For the quarter ended June 2020, CITY UNION BANK has posted a net profit of Rs 2 bn (down 17.0% YoY). Sales on the other hand came in at Rs 10 bn (up 2.0% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (1QFY21); Net Profit Down 2.1% (Quarterly Result Update)

Aug 10, 2020 | Updated on Aug 10, 2020

For the quarter ended June 2020, DCB BANK has posted a net profit of Rs 794 m (down 2.1% YoY). Sales on the other hand came in at Rs 9 bn (up 1.8% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

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CITY UNION BANK Announces Quarterly Results (4QFY20); Net Profit Down 154.4% (Quarterly Result Update)

Jun 19, 2020 | Updated on Jun 19, 2020

For the quarter ended March 2020, CITY UNION BANK has posted a net profit of Rs 953 m (down 154.4% YoY). Sales on the other hand came in at Rs 10 bn (up 5.8% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Oct 20, 2020 (Close)

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