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 
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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 -4.0 18.2 - View Chart
P/BV x 0.1 2.7 4.8% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 PUNJAB & SIND BANK   CITY UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
CITY UNION BANK
Mar-19
PUNJAB & SIND BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs40207 19.4%   
Low Rs24157 15.3%   
Income per share (Unadj.) Rs151.551.3 295.4%  
Earnings per share (Unadj.) Rs-9.69.3 -103.5%  
Cash flow per share (Unadj.) Rs-30.420.4 -149.4%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs97.965.9 148.6%  
Shares outstanding (eoy) m564.91734.50 76.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.23.6 6.0%   
Avg P/E ratio x-3.319.6 -17.1%  
Avg P/CF ratio x0.913.4 6.7%  
Avg Price/Bookvalue ratio x0.32.8 11.9%  
Dividend payout %05.4 0.0%   
Avg Mkt Cap Rs m18,162133,752 13.6%   
No. of employees `0008.95.5 162.2%   
Total wages & salary Rs m11,7583,644 322.6%   
Avg. income/employee Rs Th9,564.96,827.1 140.1%   
Avg. wages/employee Rs Th1,314.0660.5 199.0%   
Avg. net profit/employee Rs Th-607.41,237.5 -49.1%   
INCOME DATA
Interest income Rs m85,58737,672 227.2%  
Other income Rs m4,8865,144 95.0%   
Interest expense Rs m62,79021,557 291.3%   
Net interest income Rs m22,79716,115 141.5%  
Operating expense Rs m17,1118,859 193.2%   
Gross profit Rs m5,6867,256 78.4%  
Gross profit margin %6.619.3 34.5%  
Provisions/contingencies Rs m25,7093,151 815.8%   
Profit before tax Rs m-8,5889,249 -92.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-3,1532,420 -130.3%   
Profit after tax Rs m-5,4356,829 -79.6%  
Net profit margin %-6.318.1 -35.0%  
BALANCE SHEET DATA
Advances Rs m691,755326,733 211.7%   
Deposits Rs m985,576384,480 256.3%  
Credit/Deposit ratio x70.285.0 82.6%  
Yield on advances %8.79.7 89.6%   
Cost of deposits %6.15.5 110.9%   
Net Interest Margin %2.23.7 60.1%  
Net fixed assets Rs m12,3042,500 492.1%   
Share capital Rs m5,649735 769.1%   
Free reserves Rs m25,97647,673 54.5%   
Net worth Rs m55,31848,408 114.3%   
Borrowings Rs m27,1404,809 564.3%   
Investments Rs m261,72977,122 339.4%   
Total assets Rs m1,089,821452,589 240.8%  
Debt/equity ratio x18.38.0 227.6%   
Return on assets %-0.51.5 -33.1%  
Return on equity %-9.814.1 -69.6%  
Capital adequacy ratio %10.915.6 70.3%  
Net NPAs %7.21.8 398.9%  
CASH FLOW
From Operations Rs m-9733,969 -24.5%  
From Investments Rs m-611-867 70.4%  
From Financial Activity Rs m-3,561166 -2,141.1%  
Net Cashflow Rs m-5,1453,269 -157.4%  

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:   YES BANK  UNITED BANK OF INDIA  UNION BANK  SBI  KARUR VYSYA BANK  

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



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PUNJAB & SIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 92.4% (Quarterly Result Update)

Aug 13, 2019 | Updated on Aug 13, 2019

For the quarter ended June 2019, PUNJAB & SIND BANK has posted a net profit of Rs 303 m (up 92.4% YoY). Sales on the other hand came in at Rs 21 bn (down 5.2% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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