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DCB BANK vs 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    DCB BANK UNION BANK DCB BANK/
UNION BANK
 
P/E (TTM) x 16.8 -1.3 - View Chart
P/BV x 1.8 0.1 1,291.7% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 DCB BANK   UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-19
UNION BANK
Mar-19
DCB BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs209106 197.1%   
Low Rs14061 227.2%   
Income per share (Unadj.) Rs98.3194.6 50.5%  
Earnings per share (Unadj.) Rs10.5-16.6 -63.4%  
Cash flow per share (Unadj.) Rs39.4-42.9 -91.8%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.6151.6 66.4%  
Shares outstanding (eoy) m309.551,763.02 17.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.80.4 412.3%   
Avg P/E ratio x16.6-5.0 -328.2%  
Avg P/CF ratio x11.61.7 674.7%  
Avg Price/Bookvalue ratio x1.70.6 313.7%  
Dividend payout %9.50-   
Avg Mkt Cap Rs m53,862147,388 36.5%   
No. of employees `0006.137.3 16.5%   
Total wages & salary Rs m4,34032,372 13.4%   
Avg. income/employee Rs Th4,958.49,208.8 53.8%   
Avg. wages/employee Rs Th707.5868.8 81.4%   
Avg. net profit/employee Rs Th530.4-784.3 -67.6%   
INCOME DATA
Interest income Rs m30,415343,137 8.9%  
Other income Rs m3,50250,417 6.9%   
Interest expense Rs m18,922238,961 7.9%   
Net interest income Rs m11,493104,176 11.0%  
Operating expense Rs m8,52978,562 10.9%   
Gross profit Rs m2,96425,614 11.6%  
Gross profit margin %9.77.5 130.6%  
Provisions/contingencies Rs m1,401115,157 1.2%   
Profit before tax Rs m5,065-39,016 -13.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,812-9,792 -18.5%   
Profit after tax Rs m3,254-29,224 -11.1%  
Net profit margin %10.7-8.5 -125.6%  
BALANCE SHEET DATA
Advances Rs m235,6802,987,801 7.9%   
Deposits Rs m284,3514,175,048 6.8%  
Credit/Deposit ratio x82.971.6 115.8%  
Yield on advances %10.48.0 130.0%   
Cost of deposits %6.05.3 113.6%   
Net Interest Margin %3.42.2 151.7%  
Net fixed assets Rs m5,26037,745 13.9%   
Share capital Rs m3,09617,630 17.6%   
Free reserves Rs m28,049249,686 11.2%   
Net worth Rs m31,144267,317 11.7%   
Borrowings Rs m27,232432,756 6.3%   
Investments Rs m78,4411,283,912 6.1%   
Total assets Rs m357,9184,985,805 7.2%  
Debt/equity ratio x10.017.2 58.0%   
Return on assets %0.9-0.6 -155.1%  
Return on equity %10.4-10.9 -95.6%  
Capital adequacy ratio %16.811.8 142.7%  
Net NPAs %0.76.9 9.5%  
CASH FLOW
From Operations Rs m-2,813-77,784 3.6%  
From Investments Rs m-764-2,971 25.7%  
From Financial Activity Rs m7,79217,582 44.3%  
Net Cashflow Rs m4,214-63,173 -6.7%  

Share Holding

Indian Promoters % 0.9 60.1 1.5%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 16.6 139.8%  
FIIs % 15.0 8.5 176.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 14.8 307.4%  
Shareholders   184,073 235,817 78.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   SOUTH IND.BANK  J&K BANK  DENA BANK  ANDHRA BANK  INDUSIND BANK  

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



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Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (1QFY20); Net Profit Up 16.6% (Quarterly Result Update)

Jul 17, 2019 | Updated on Jul 17, 2019

For the quarter ended June 2019, DCB BANK has posted a net profit of Rs 811 m (up 16.6% YoY). Sales on the other hand came in at Rs 9 bn (up 22.3% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (4QFY19); Net Profit Up 50.0% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, DCB BANK has posted a net profit of Rs 963 m (up 50.0% YoY). Sales on the other hand came in at Rs 8 bn (up 27.4% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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Sep 13, 2019 (Close)

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