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Compare Punjab & Sind Bank with City Union Bank - Equitymaster
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PUNJAB & SIND BANK vs CITY UNION BANK - Comparison Results

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

    PUNJAB & SIND BANK CITY UNION BANK PUNJAB & SIND BANK/
CITY UNION BANK
 
P/E (TTM) x 5.7 21.4 26.5% View Chart
P/BV x 0.3 2.9 11.7% View Chart
Dividend Yield % 1.3 0.2 732.8%  

Financials

 PUNJAB & SIND BANK   CITY UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
CITY UNION BANK
Mar-17
PUNJAB & SIND BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs84169 49.8%   
Low Rs4493 47.1%   
Income per share (Unadj.) Rs214.552.8 406.2%  
Earnings per share (Unadj.) Rs3.08.4 36.2%  
Cash flow per share (Unadj.) Rs21.318.0 118.5%  
Dividends per share (Unadj.) Rs0.600.30 200.0%  
Avg Dividend yield %0.90.2 409.6%  
Book value per share (Unadj.) Rs139.859.4 235.3%  
Shares outstanding (eoy) m400.41601.06 66.6%   
Bonus/Rights/Conversions PAESOS-  
Avg Price / Income ratio x0.32.5 12.0%   
Avg P/E ratio x21.115.6 134.8%  
Avg P/CF ratio x3.49.8 34.9%  
Avg Price/Bookvalue ratio x0.52.2 20.8%  
Dividend payout %19.83.6 552.0%   
Avg Mkt Cap Rs m25,56678,589 32.5%   
No. of employees `0009.24.7 195.8%   
Total wages & salary Rs m8,7432,981 293.3%   
Avg. income/employee Rs Th9,355.76,768.6 138.2%   
Avg. wages/employee Rs Th952.4635.8 149.8%   
Avg. net profit/employee Rs Th132.21,072.2 12.3%   
INCOME DATA
Interest income Rs m85,88631,738 270.6%  
Other income Rs m4,2884,840 88.6%   
Interest expense Rs m69,09419,750 349.8%   
Net interest income Rs m16,79211,988 140.1%  
Operating expense Rs m13,3256,890 193.4%   
Gross profit Rs m3,4675,098 68.0%  
Gross profit margin %4.016.1 25.1%  
Provisions/contingencies Rs m6,2733,010 208.4%   
Profit before tax Rs m1,4816,928 21.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2681,900 14.1%   
Profit after tax Rs m1,2145,028 24.1%  
Net profit margin %1.415.8 8.9%  
BALANCE SHEET DATA
Advances Rs m638,702238,327 268.0%   
Deposits Rs m867,147301,157 287.9%  
Credit/Deposit ratio x73.779.1 93.1%  
Yield on advances %10.010.9 91.8%   
Cost of deposits %7.76.4 119.8%   
Net Interest Margin %1.83.6 49.8%  
Net fixed assets Rs m9,9482,151 462.5%   
Share capital Rs m4,004601 666.1%   
Free reserves Rs m31,06122,455 138.3%   
Net worth Rs m55,96235,702 156.7%   
Borrowings Rs m30,4825,310 574.1%   
Investments Rs m267,51770,315 380.5%   
Total assets Rs m977,534352,708 277.2%  
Debt/equity ratio x16.08.6 186.9%   
Return on assets %0.11.4 8.7%  
Return on equity %2.214.1 15.4%  
Capital adequacy ratio %11.215.8 71.0%  
Net NPAs %3.61.7 207.6%  
CASH FLOW
From Operations Rs m-19,8162,836 -698.7%  
From Investments Rs m-845-503 167.9%  
From Financial Activity Rs m-392-44 895.4%  
Net Cashflow Rs m-21,0532,289 -919.7%  

Share Holding

Indian Promoters % 79.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 10.2 105.9%  
FIIs % 1.8 33.4 5.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 56.0 13.9%  
Shareholders   150,895 82,699 182.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   VIJAYA BANK  SOUTH IND.BANK  BANK OF INDIA  ALLAHABAD BANK  AXIS BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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