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Compare Oriental Bank with City Union Bank - Equitymaster
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ORIENTAL BANK vs CITY UNION BANK - Comparison Results

ORIENTAL BANK    Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    ORIENTAL BANK CITY UNION BANK ORIENTAL BANK/
CITY UNION BANK
 
P/E (TTM) x 2.5 21.3 11.6% View Chart
P/BV x 0.2 2.9 8.4% View Chart
Dividend Yield % 0.6 0.2 334.7%  

Financials

 ORIENTAL BANK   CITY UNION BANK
EQUITY SHARE DATA
    ORIENTAL BANK
Mar-16
CITY UNION BANK
Mar-17
ORIENTAL BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs235169 139.6%   
Low Rs7593 81.0%   
Income per share (Unadj.) Rs624.152.8 1,181.9%  
Earnings per share (Unadj.) Rs6.28.4 73.8%  
Cash flow per share (Unadj.) Rs14.618.0 81.5%  
Dividends per share (Unadj.) Rs0.700.30 233.3%  
Avg Dividend yield %0.50.2 196.5%  
Book value per share (Unadj.) Rs464.959.4 782.6%  
Shares outstanding (eoy) m321.40601.06 53.5%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x0.22.5 10.0%   
Avg P/E ratio x25.115.6 160.8%  
Avg P/CF ratio x1.49.8 14.4%  
Avg Price/Bookvalue ratio x0.32.2 15.2%  
Dividend payout %11.33.6 316.1%   
Avg Mkt Cap Rs m49,89778,589 63.5%   
No. of employees `000NA4.7 0.0%   
Total wages & salary Rs m20,3172,981 681.5%   
Avg. income/employee Rs ThNM6,768.6-  
Avg. wages/employee Rs ThNM635.8-  
Avg. net profit/employee Rs ThN.A.1,072.2-  
INCOME DATA
Interest income Rs m200,58731,738 632.0%  
Other income Rs m17,6634,840 365.0%   
Interest expense Rs m146,84119,750 743.5%   
Net interest income Rs m53,74611,988 448.3%  
Operating expense Rs m34,5886,890 502.0%   
Gross profit Rs m19,1585,098 375.8%  
Gross profit margin %9.616.1 59.5%  
Provisions/contingencies Rs m33,5623,010 1,115.1%   
Profit before tax Rs m3,6826,928 53.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,6981,900 89.3%   
Profit after tax Rs m1,9855,028 39.5%  
Net profit margin %1.015.8 6.2%  
BALANCE SHEET DATA
Advances Rs m1,488,800238,327 624.7%   
Deposits Rs m2,089,148301,157 693.7%  
Credit/Deposit ratio x71.379.1 90.1%  
Yield on advances %9.910.9 91.4%   
Cost of deposits %6.76.4 104.3%   
Net Interest Margin %2.43.6 67.4%  
Net fixed assets Rs m22,7192,151 1,056.3%   
Share capital Rs m3,214601 534.7%   
Free reserves Rs m90,59022,455 403.4%   
Net worth Rs m149,41135,702 418.5%   
Borrowings Rs m78,9745,310 1,487.3%   
Investments Rs m656,57870,315 933.8%   
Total assets Rs m2,375,415352,708 673.5%  
Debt/equity ratio x14.58.6 169.0%   
Return on assets %0.11.4 5.9%  
Return on equity %1.314.1 9.4%  
Capital adequacy ratio %11.815.8 74.3%  
Net NPAs %6.71.7 391.8%  
CASH FLOW
From Operations Rs m-14,1582,836 -499.2%  
From Investments Rs m-2,105-503 418.4%  
From Financial Activity Rs m8,130-44 -18,561.2%  
Net Cashflow Rs m-8,1342,289 -355.3%  

Share Holding

Indian Promoters % 59.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 24.0 10.2 235.3%  
FIIs % 9.9 33.4 29.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.0 56.0 12.5%  
Shareholders   114,330 82,699 138.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ORIENTAL BANK With:   CORPORATION BANK  BANK OF INDIA  FEDERAL BANK  SOUTH IND.BANK  BANK OF BARODA  

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



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