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DHANLAXMI BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    DHANLAXMI BANK CITY UNION BANK DHANLAXMI BANK/
CITY UNION BANK
 
P/E (TTM) x 11.3 10.2 110.2% View Chart
P/BV x 1.1 1.3 81.0% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 DHANLAXMI BANK   CITY UNION BANK
EQUITY SHARE DATA
    DHANLAXMI BANK
Mar-23
CITY UNION BANK
Mar-23
DHANLAXMI BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs26205 12.9%   
Low Rs11118 8.9%   
Income per share (Unadj.) Rs42.363.7 66.5%  
Earnings per share (Unadj.) Rs2.012.7 15.4%  
Cash flow per share (Unadj.) Rs15.919.6 81.1%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs38.0100.7 37.7%  
Shares outstanding (eoy) m253.01740.42 34.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.42.5 17.2%   
Avg P/E ratio x9.512.7 74.3%  
Avg P/CF ratio x3.86.6 57.8%  
Avg Price/Bookvalue ratio x0.51.6 30.4%  
Dividend payout %07.9 0.0%   
Avg Mkt Cap Rs m4,674119,411 3.9%   
No. of employees `000NANA-   
Total wages & salary Rs m2,4735,304 46.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m10,71247,143 22.7%  
Other income Rs m7458,104 9.2%   
Interest expense Rs m5,95525,515 23.3%   
Net interest income Rs m4,75821,628 22.0%  
Operating expense Rs m4,27111,552 37.0%   
Gross profit Rs m48710,076 4.8%  
Gross profit margin %4.521.4 21.3%  
Provisions/contingencies Rs m7388,805 8.4%   
Profit before tax Rs m49411,775 4.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m02,400 0.0%   
Profit after tax Rs m4949,375 5.3%  
Net profit margin %4.619.9 23.2%  
BALANCE SHEET DATA
Advances Rs m94,515430,533 22.0%   
Deposits Rs m133,516523,979 25.5%  
Credit/Deposit ratio x70.882.2 86.2%  
Yield on advances %8.78.8 98.9%   
Cost of deposits %4.34.4 97.8%   
Net Interest Margin %3.63.8 94.6%  
Net fixed assets Rs m2,5092,393 104.8%   
Share capital Rs m2,530740 341.7%   
Free reserves Rs m7,08173,832 9.6%   
Net worth Rs m9,61274,572 12.9%   
Borrowings Rs m4,92446,881 10.5%   
Investments Rs m38,886143,326 27.1%   
Total assets Rs m151,321665,946 22.7%  
Debt/equity ratio x14.47.7 188.2%   
Return on assets %0.31.4 23.2%  
Return on equity %5.112.6 40.9%  
Capital adequacy ratio %12.322.3 55.1%  
Net NPAs %1.22.4 49.2%  
CASH FLOW
From Operations Rs m2,1641,004 215.5%  
From Investments Rs m-1,056-719 146.9%  
From Financial Activity Rs mNA-662 -0.0%  
Net Cashflow Rs m1,108-377 -294.2%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.0 59.0 20.3%  
FIIs % 11.9 26.6 44.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 100.0 100.0%  
Shareholders   125,389 216,019 58.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DHANLAXMI BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Dhanlaxmi 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:

Dhanlaxmi Bank vs City Union Bank Share Price Performance

Period Dhanlaxmi Bank City Union Bank S&P BSE BANKEX
1-Day 1.73% -0.22% 0.82%
1-Month -11.82% 0.97% 2.48%
1-Year 193.39% 11.70% 19.28%
3-Year CAGR 41.21% -4.26% 12.00%
5-Year CAGR 18.30% -7.66% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Dhanlaxmi Bank hold a 0.0% 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 Dhanlaxmi Bank and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, Dhanlaxmi Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

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 Dhanlaxmi Bank, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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