PUNJAB & SIND BANK | UCO BANK | PUNJAB & SIND BANK/ UCO BANK |
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P/E (TTM) | x | 45.8 | 39.6 | 115.7% | View Chart |
P/BV | x | 2.8 | 2.6 | 104.8% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK UCO BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
UCO BANK Mar-23 |
PUNJAB & SIND BANK/ UCO BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 38 | 117.0% | |
Low | Rs | 13 | 11 | 118.8% | |
Income per share (Unadj.) | Rs | 11.8 | 14.8 | 79.9% | |
Earnings per share (Unadj.) | Rs | 1.9 | 1.5 | 126.8% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 4.9 | 118.0% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 21.4 | 104.1% | |
Shares outstanding (eoy) | m | 6,777.79 | 11,955.96 | 56.7% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.6 | 147.0% | |
Avg P/E ratio | x | 14.8 | 15.9 | 92.6% | |
Avg P/CF ratio | x | 13.4 | 6.8 | 197.6% | |
Avg Price/Bookvalue ratio | x | 1.3 | 1.1 | 112.8% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 290,948 | 66.6% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 38,727 | 39.9% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 176,505 | 45.3% | |
Other income | Rs m | 9,400 | 25,085 | 37.5% | |
Interest expense | Rs m | 50,194 | 103,074 | 48.7% | |
Net interest income | Rs m | 29,734 | 73,431 | 40.5% | |
Operating expense | Rs m | 24,634 | 55,109 | 44.7% | |
Gross profit | Rs m | 5,100 | 18,322 | 27.8% | |
Gross profit margin | % | 6.4 | 10.4 | 61.5% | |
Provisions/contingencies | Rs m | 1,369 | 24,783 | 5.5% | |
Profit before tax | Rs m | 16,198 | 29,051 | 55.8% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | -361 | -0.0% | |
Tax | Rs m | 3,068 | 10,428 | 29.4% | |
Profit after tax | Rs m | 13,130 | 18,263 | 71.9% | |
Net profit margin | % | 16.4 | 10.3 | 158.8% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 1,558,702 | 49.3% | |
Deposits | Rs m | 1,096,655 | 2,493,377 | 44.0% | |
Credit/Deposit ratio | x | 70.0 | 62.5 | 112.1% | |
Yield on advances | % | 7.2 | 6.6 | 107.9% | |
Cost of deposits | % | 4.3 | 3.8 | 113.9% | |
Net Interest Margin | % | 2.4 | 2.9 | 83.5% | |
Net fixed assets | Rs m | 15,194 | 34,445 | 44.1% | |
Share capital | Rs m | 67,778 | 119,560 | 56.7% | |
Free reserves | Rs m | 83,307 | 136,477 | 61.0% | |
Net worth | Rs m | 151,085 | 256,037 | 59.0% | |
Borrowings | Rs m | 90,184 | 205,011 | 44.0% | |
Investments | Rs m | 448,384 | 950,085 | 47.2% | |
Total assets | Rs m | 1,364,545 | 3,007,022 | 45.4% | |
Debt/equity ratio | x | 7.9 | 10.5 | 74.5% | |
Return on assets | % | 1.0 | 0.6 | 158.4% | |
Return on equity | % | 8.7 | 7.1 | 121.8% | |
Capital adequacy ratio | % | 17.1 | 16.5 | 103.6% | |
Net NPAs | % | 1.8 | 1.3 | 142.6% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | 29,829 | 47.9% | |
From Investments | Rs m | -882 | -2,673 | 33.0% | |
From Financial Activity | Rs m | -13,317 | -3,358 | 396.6% | |
Net Cashflow | Rs m | 85 | 25,801 | 0.3% |
Indian Promoters | % | 98.3 | 95.4 | 103.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 1.4 | 49.6% | |
FIIs | % | 0.0 | 0.0 | 66.7% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 4.6 | 38.0% | |
Shareholders | 184,679 | 739,097 | 25.0% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | UCO Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.86% | 3.98% | 0.71% |
1-Month | 7.06% | 12.25% | 4.08% |
1-Year | 88.03% | 103.85% | 13.57% |
3-Year CAGR | 54.17% | 72.83% | 14.40% |
5-Year CAGR | 16.36% | 25.14% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the UCO 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 UCO Bank the stake stands at 95.4%.
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 UCO 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%.
UCO Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of UCO Bank.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.