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- PUNJAB & SIND BANK - CITY UNION BANK
PUNJAB & SIND BANK vs CITY UNION BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | CITY UNION BANK | PUNJAB & SIND BANK/ CITY UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.0 | 11.7 | 375.3% | View Chart |
| P/BV | x | 2.7 | 1.5 | 172.8% | View Chart |
| Dividend Yield | % | 0.8 | 0.6 | 125.5% |
Financials
 PUNJAB & SIND BANK  CITY UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
CITY UNION BANK Mar-23 |
PUNJAB & SIND BANK/ CITY UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 205 | 21.8% | |
| Low | Rs | 13 | 118 | 10.6% | |
| Income per share (Unadj.) | Rs | 11.8 | 63.7 | 18.5% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 12.7 | 15.3% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 19.6 | 29.7% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.00 | 48.0% | |
| Avg Dividend yield | % | 1.7 | 0.6 | 270.9% | |
| Book value per share (Unadj.) | Rs | 22.3 | 100.7 | 22.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 740.42 | 915.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 2.5 | 95.7% | |
| Avg P/E ratio | x | 14.8 | 12.7 | 115.8% | |
| Avg P/CF ratio | x | 13.4 | 6.6 | 203.4% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 1.6 | 80.1% | |
| Dividend payout | % | 24.8 | 7.9 | 313.7% | |
| Avg Mkt Cap | Rs m | 193,675 | 119,411 | 162.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 5,304 | 291.2% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 47,143 | 169.5% | |
| Other income | Rs m | 9,400 | 8,104 | 116.0% | |
| Interest expense | Rs m | 50,194 | 25,515 | 196.7% | |
| Net interest income | Rs m | 29,734 | 21,628 | 137.5% | |
| Operating expense | Rs m | 24,634 | 11,552 | 213.2% | |
| Gross profit | Rs m | 5,100 | 10,076 | 50.6% | |
| Gross profit margin | % | 6.4 | 21.4 | 29.9% | |
| Provisions/contingencies | Rs m | 1,369 | 8,805 | 15.5% | |
| Profit before tax | Rs m | 16,198 | 11,775 | 137.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,068 | 2,400 | 127.8% | |
| Profit after tax | Rs m | 13,130 | 9,375 | 140.1% | |
| Net profit margin | % | 16.4 | 19.9 | 82.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 430,533 | 178.4% | |
| Deposits | Rs m | 1,096,655 | 523,979 | 209.3% | |
| Credit/Deposit ratio | x | 70.0 | 82.2 | 85.3% | |
| Yield on advances | % | 7.2 | 8.8 | 81.1% | |
| Cost of deposits | % | 4.3 | 4.4 | 98.8% | |
| Net Interest Margin | % | 2.4 | 3.8 | 64.8% | |
| Net fixed assets | Rs m | 15,194 | 2,393 | 634.9% | |
| Share capital | Rs m | 67,778 | 740 | 9,154.0% | |
| Free reserves | Rs m | 83,307 | 73,832 | 112.8% | |
| Net worth | Rs m | 151,085 | 74,572 | 202.6% | |
| Borrowings | Rs m | 90,184 | 46,881 | 192.4% | |
| Investments | Rs m | 448,384 | 143,326 | 312.8% | |
| Total assets | Rs m | 1,364,545 | 665,946 | 204.9% | |
| Debt/equity ratio | x | 7.9 | 7.7 | 102.6% | |
| Return on assets | % | 1.0 | 1.4 | 68.4% | |
| Return on equity | % | 8.7 | 12.6 | 69.1% | |
| Capital adequacy ratio | % | 17.1 | 22.3 | 76.5% | |
| Net NPAs | % | 1.8 | 2.4 | 78.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 1,004 | 1,422.7% | |
| From Investments | Rs m | -882 | -719 | 122.6% | |
| From Financial Activity | Rs m | -13,317 | -662 | 2,012.6% | |
| Net Cashflow | Rs m | 85 | -377 | -22.6% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 56.5 | 1.2% | |
| FIIs | % | 0.0 | 27.0 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 184,679 | 248,815 | 74.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind 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:
Punjab & Sind Bank vs City Union Bank Share Price Performance
| Period | Punjab & Sind Bank | City Union Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.10% | 1.28% | 0.33% |
| 1-Month | 5.17% | 21.31% | 1.35% |
| 1-Year | 86.43% | 20.23% | 11.53% |
| 3-Year CAGR | 50.57% | -0.65% | 14.65% |
| 5-Year CAGR | 15.47% | -5.06% | 9.85% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the City Union Bank share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% 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 Punjab & Sind Bank and the shareholding pattern of City Union Bank.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.
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 Punjab & Sind Bank, and the dividend history of City Union Bank.
For a sector overview, read our banking sector report.
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