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KARNATAKA BANK vs UNITED BANK OF INDIA - Comparison Results

Rs 100 invested in...

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Current Valuations

    KARNATAKA BANK UNITED BANK OF INDIA KARNATAKA BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 5.7 9.3 61.3% View Chart
P/BV x 1.0 0.4 272.0% View Chart
Dividend Yield % 2.2 0.0 -  

Financials

 KARNATAKA BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-23
UNITED BANK OF INDIA
Mar-19
KARNATAKA BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs16915 1,138.5%   
Low Rs569 615.5%   
Income per share (Unadj.) Rs231.211.5 2,006.0%  
Earnings per share (Unadj.) Rs37.8-3.1 -1,211.4%  
Cash flow per share (Unadj.) Rs76.3-7.2 -1,056.9%  
Dividends per share (Unadj.) Rs5.000-  
Avg Dividend yield %4.50-  
Book value per share (Unadj.) Rs262.915.5 1,698.4%  
Shares outstanding (eoy) m312.347,427.92 4.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.51.0 46.9%   
Avg P/E ratio x3.0-3.8 -77.6%  
Avg P/CF ratio x1.66.3 25.3%  
Avg Price/Bookvalue ratio x0.40.8 55.3%  
Dividend payout %13.20-   
Avg Mkt Cap Rs m35,01488,578 39.5%   
No. of employees `000NANA-   
Total wages & salary Rs m10,73519,545 54.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m72,20285,599 84.3%  
Other income Rs m9,92623,846 41.6%   
Interest expense Rs m40,35165,853 61.3%   
Net interest income Rs m31,85119,746 161.3%  
Operating expense Rs m19,70029,476 66.8%   
Gross profit Rs m12,151-9,730 -124.9%  
Gross profit margin %16.8-11.4 -148.1%  
Provisions/contingencies Rs m10,28037,275 27.6%   
Profit before tax Rs m14,405-45,809 -31.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,608-22,650 -11.5%   
Profit after tax Rs m11,797-23,159 -50.9%  
Net profit margin %16.3-27.1 -60.4%  
BALANCE SHEET DATA
Advances Rs m599,516669,551 89.5%   
Deposits Rs m873,6791,349,833 64.7%  
Credit/Deposit ratio x68.649.6 138.3%  
Yield on advances %9.37.6 123.3%   
Cost of deposits %4.34.7 92.5%   
Net Interest Margin %3.81.5 247.8%  
Net fixed assets Rs m8,46212,341 68.6%   
Share capital Rs m3,12474,279 4.2%   
Free reserves Rs m78,99740,710 194.0%   
Net worth Rs m82,120114,989 71.4%   
Borrowings Rs m15,62722,037 70.9%   
Investments Rs m233,249609,760 38.3%   
Total assets Rs m990,5711,515,299 65.4%  
Debt/equity ratio x10.811.9 90.8%   
Return on assets %1.2-1.5 -77.9%  
Return on equity %14.4-20.1 -71.3%  
Capital adequacy ratio %17.513.0 134.2%  
Net NPAs %1.78.7 19.6%  
CASH FLOW
From Operations Rs m18,297-150,737 -12.1%  
From Investments Rs m-875-732 119.5%  
From Financial Activity Rs m-19545,761 -0.4%  
Net Cashflow Rs m17,227-105,708 -16.3%  

Share Holding

Indian Promoters % 0.0 97.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 36.7 1.2 2,986.2%  
FIIs % 19.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 2.6 3,861.0%  
Shareholders   267,637 101,958 262.5%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Karnataka Bank vs United Bank of India

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 United Bank of India Share Price Performance

Period Karnataka Bank United Bank of India S&P BSE BANKEX
1-Day -1.53% -0.44% 0.82%
1-Month -2.22% -42.19% 2.48%
1-Year 78.09% -59.60% 19.28%
3-Year CAGR 55.04% -43.77% 12.00%
5-Year CAGR 13.14% -31.10% 9.40%

* Compound Annual Growth Rate

Here are more details on the Karnataka Bank share price and the United Bank of India share price.

Moving on to shareholding structures...

The promoters of Karnataka Bank hold a 0.0% stake in the company. In case of United Bank of India the stake stands at 97.4%.

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 United Bank of India.

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%.

United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of Karnataka Bank, and the dividend history of United Bank of India.

For a sector overview, read our banking sector report.



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