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KARNATAKA BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    KARNATAKA BANK CITY UNION BANK KARNATAKA BANK/
CITY UNION BANK
 
P/E (TTM) x 5.7 10.2 55.7% View Chart
P/BV x 1.0 1.3 71.7% View Chart
Dividend Yield % 2.2 0.7 300.0%  

Financials

 KARNATAKA BANK   CITY UNION BANK
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-23
CITY UNION BANK
Mar-23
KARNATAKA BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs169205 82.2%   
Low Rs56118 47.4%   
Income per share (Unadj.) Rs231.263.7 363.1%  
Earnings per share (Unadj.) Rs37.812.7 298.3%  
Cash flow per share (Unadj.) Rs76.319.6 388.9%  
Dividends per share (Unadj.) Rs5.001.00 500.0%  
Avg Dividend yield %4.50.6 719.3%  
Book value per share (Unadj.) Rs262.9100.7 261.0%  
Shares outstanding (eoy) m312.34740.42 42.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.5 19.1%   
Avg P/E ratio x3.012.7 23.3%  
Avg P/CF ratio x1.66.6 24.1%  
Avg Price/Bookvalue ratio x0.41.6 26.6%  
Dividend payout %13.27.9 167.6%   
Avg Mkt Cap Rs m35,014119,411 29.3%   
No. of employees `000NANA-   
Total wages & salary Rs m10,7355,304 202.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m72,20247,143 153.2%  
Other income Rs m9,9268,104 122.5%   
Interest expense Rs m40,35125,515 158.1%   
Net interest income Rs m31,85121,628 147.3%  
Operating expense Rs m19,70011,552 170.5%   
Gross profit Rs m12,15110,076 120.6%  
Gross profit margin %16.821.4 78.7%  
Provisions/contingencies Rs m10,2808,805 116.7%   
Profit before tax Rs m14,40511,775 122.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,6082,400 108.7%   
Profit after tax Rs m11,7979,375 125.8%  
Net profit margin %16.319.9 82.2%  
BALANCE SHEET DATA
Advances Rs m599,516430,533 139.2%   
Deposits Rs m873,679523,979 166.7%  
Credit/Deposit ratio x68.682.2 83.5%  
Yield on advances %9.38.8 105.5%   
Cost of deposits %4.34.4 99.6%   
Net Interest Margin %3.83.8 101.5%  
Net fixed assets Rs m8,4622,393 353.6%   
Share capital Rs m3,124740 421.9%   
Free reserves Rs m78,99773,832 107.0%   
Net worth Rs m82,12074,572 110.1%   
Borrowings Rs m15,62746,881 33.3%   
Investments Rs m233,249143,326 162.7%   
Total assets Rs m990,571665,946 148.7%  
Debt/equity ratio x10.87.7 141.5%   
Return on assets %1.21.4 84.6%  
Return on equity %14.412.6 114.3%  
Capital adequacy ratio %17.522.3 78.1%  
Net NPAs %1.72.4 72.0%  
CASH FLOW
From Operations Rs m18,2971,004 1,822.5%  
From Investments Rs m-875-719 121.8%  
From Financial Activity Rs m-195-662 29.4%  
Net Cashflow Rs m17,227-377 -4,575.0%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 36.7 59.0 62.3%  
FIIs % 19.0 26.6 71.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 100.0 100.0%  
Shareholders   267,637 216,019 123.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Karnataka 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:

Karnataka Bank vs City Union Bank Share Price Performance

Period Karnataka Bank City Union Bank S&P BSE BANKEX
1-Day -1.53% -0.22% 0.82%
1-Month -2.22% 0.97% 2.48%
1-Year 78.09% 11.70% 19.28%
3-Year CAGR 55.04% -4.26% 12.00%
5-Year CAGR 13.14% -7.66% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Karnataka 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 Karnataka Bank and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, Karnataka Bank paid a dividend of Rs 5.0 per share. This amounted to a Dividend Payout ratio of 13.2%.

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

For a sector overview, read our banking sector report.



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