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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 -1.7 18.6 - View Chart
P/BV x 0.2 3.1 6.7% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 PUNJAB & SIND BANK   CITY UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
CITY UNION BANK
Mar-17
PUNJAB & SIND BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs59169 34.7%   
Low Rs3493 36.8%   
Income per share (Unadj.) Rs204.152.8 386.6%  
Earnings per share (Unadj.) Rs5.08.4 60.0%  
Cash flow per share (Unadj.) Rs18.818.0 104.8%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs153.459.4 258.3%  
Shares outstanding (eoy) m400.41601.06 66.6%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.22.5 9.2%   
Avg P/E ratio x9.215.6 59.0%  
Avg P/CF ratio x1.69.8 15.9%  
Avg Price/Bookvalue ratio x0.32.2 13.7%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m18,55978,589 23.6%   
No. of employees `0009.44.7 200.5%   
Total wages & salary Rs m9,9012,981 332.1%   
Avg. income/employee Rs Th8,694.56,768.6 128.5%   
Avg. wages/employee Rs Th1,053.3635.8 165.7%   
Avg. net profit/employee Rs Th213.91,072.2 20.0%   
INCOME DATA
Interest income Rs m81,72931,738 257.5%  
Other income Rs m5,7814,840 119.5%   
Interest expense Rs m60,13519,750 304.5%   
Net interest income Rs m21,59311,988 180.1%  
Operating expense Rs m14,9566,890 217.1%   
Gross profit Rs m6,6385,098 130.2%  
Gross profit margin %8.116.1 50.6%  
Provisions/contingencies Rs m9,9143,010 329.4%   
Profit before tax Rs m2,5056,928 36.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4941,900 26.0%   
Profit after tax Rs m2,0115,028 40.0%  
Net profit margin %2.515.8 15.5%  
BALANCE SHEET DATA
Advances Rs m583,345238,327 244.8%   
Deposits Rs m855,402301,157 284.0%  
Credit/Deposit ratio x68.279.1 86.2%  
Yield on advances %9.710.9 89.6%   
Cost of deposits %6.86.4 105.5%   
Net Interest Margin %2.43.6 66.9%  
Net fixed assets Rs m10,9542,151 509.3%   
Share capital Rs m4,004601 666.1%   
Free reserves Rs m32,84222,455 146.3%   
Net worth Rs m61,42535,702 172.0%   
Borrowings Rs m29,5845,310 557.1%   
Investments Rs m279,48570,315 397.5%   
Total assets Rs m966,434352,708 274.0%  
Debt/equity ratio x14.48.6 167.8%   
Return on assets %0.21.4 14.6%  
Return on equity %3.314.1 23.2%  
Capital adequacy ratio %11.115.8 69.8%  
Net NPAs %7.51.7 439.2%  
CASH FLOW
From Operations Rs m-5,0892,836 -179.4%  
From Investments Rs m-198-503 39.4%  
From Financial Activity Rs m2,159-44 -4,929.2%  
Net Cashflow Rs m-3,1282,289 -136.6%  

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:   BANK OF MAHARASHTRA  PNB  J&K BANK  KARUR VYSYA BANK  ANDHRA BANK  

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



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