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DCB BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    DCB BANK CITY UNION BANK DCB BANK/
CITY UNION BANK
 
P/E (TTM) x 7.1 10.2 69.8% View Chart
P/BV x 0.8 1.3 60.9% View Chart
Dividend Yield % 1.0 0.7 141.7%  

Financials

 DCB BANK   CITY UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-23
CITY UNION BANK
Mar-23
DCB BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs141205 68.9%   
Low Rs69118 58.8%   
Income per share (Unadj.) Rs134.863.7 211.8%  
Earnings per share (Unadj.) Rs14.912.7 118.0%  
Cash flow per share (Unadj.) Rs52.819.6 269.4%  
Dividends per share (Unadj.) Rs1.251.00 125.0%  
Avg Dividend yield %1.20.6 191.7%  
Book value per share (Unadj.) Rs146.5100.7 145.4%  
Shares outstanding (eoy) m311.50740.42 42.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.82.5 30.8%   
Avg P/E ratio x7.012.7 55.2%  
Avg P/CF ratio x4.26.6 63.4%  
Avg Price/Bookvalue ratio x0.71.6 44.8%  
Dividend payout %8.47.9 105.9%   
Avg Mkt Cap Rs m32,762119,411 27.4%   
No. of employees `000NANA-   
Total wages & salary Rs m6,9295,304 130.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m42,00347,143 89.1%  
Other income Rs m4,0948,104 50.5%   
Interest expense Rs m24,83325,515 97.3%   
Net interest income Rs m17,17021,628 79.4%  
Operating expense Rs m13,39711,552 116.0%   
Gross profit Rs m3,77310,076 37.4%  
Gross profit margin %9.021.4 42.0%  
Provisions/contingencies Rs m3,2128,805 36.5%   
Profit before tax Rs m6,27611,775 53.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,6202,400 67.5%   
Profit after tax Rs m4,6569,375 49.7%  
Net profit margin %11.119.9 55.7%  
BALANCE SHEET DATA
Advances Rs m343,807430,533 79.9%   
Deposits Rs m412,389523,979 78.7%  
Credit/Deposit ratio x83.482.2 101.5%  
Yield on advances %9.98.8 111.8%   
Cost of deposits %5.44.4 124.1%   
Net Interest Margin %3.73.8 97.0%  
Net fixed assets Rs m7,8272,393 327.0%   
Share capital Rs m3,115740 420.7%   
Free reserves Rs m42,51573,832 57.6%   
Net worth Rs m45,63074,572 61.2%   
Borrowings Rs m41,18146,881 87.8%   
Investments Rs m125,825143,326 87.8%   
Total assets Rs m523,659665,946 78.6%  
Debt/equity ratio x9.97.7 129.8%   
Return on assets %0.91.4 63.2%  
Return on equity %10.212.6 81.2%  
Capital adequacy ratio %17.622.3 78.6%  
Net NPAs %1.02.4 44.1%  
CASH FLOW
From Operations Rs m-15,6571,004 -1,559.5%  
From Investments Rs m-1,648-719 229.2%  
From Financial Activity Rs m81-662 -12.3%  
Net Cashflow Rs m-17,223-377 4,574.0%  

Share Holding

Indian Promoters % 0.8 0.0 -  
Foreign collaborators % 14.0 0.0 -  
Indian inst/Mut Fund % 47.2 59.0 80.0%  
FIIs % 13.0 26.6 48.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 85.2 100.0 85.2%  
Shareholders   185,692 216,019 86.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on DCB Bank vs City Union Bank

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

Here's a brief comparison:

DCB Bank vs City Union Bank Share Price Performance

Period DCB Bank City Union Bank S&P BSE BANKEX
1-Day 1.32% -0.22% 0.82%
1-Month -7.50% 0.97% 2.48%
1-Year 12.62% 11.70% 19.28%
3-Year CAGR 4.01% -4.26% 12.00%
5-Year CAGR -10.29% -7.66% 9.40%

* Compound Annual Growth Rate

Here are more details on the DCB Bank share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of DCB Bank hold a 14.8% stake in the company. In case of City Union Bank the stake stands at 0.0%.

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

Finally, a word on dividends...

In the most recent financial year, DCB Bank paid a dividend of Rs 1.3 per share. This amounted to a Dividend Payout ratio of 8.4%.

City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.

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

For a sector overview, read our banking sector report.



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