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PUNJAB & SIND BANK vs UCO BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK UCO BANK PUNJAB & SIND BANK/
UCO BANK
 
P/E (TTM) x 44.3 36.5 121.3% View Chart
P/BV x 2.7 2.4 109.8% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 PUNJAB & SIND BANK   UCO BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
UCO BANK
Mar-23
PUNJAB & SIND BANK/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs4538 117.0%   
Low Rs1311 118.8%   
Income per share (Unadj.) Rs11.814.8 79.9%  
Earnings per share (Unadj.) Rs1.91.5 126.8%  
Cash flow per share (Unadj.) Rs5.84.9 118.0%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.321.4 104.1%  
Shares outstanding (eoy) m6,777.7911,955.96 56.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.6 147.0%   
Avg P/E ratio x14.815.9 92.6%  
Avg P/CF ratio x13.46.8 197.6%  
Avg Price/Bookvalue ratio x1.31.1 112.8%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,675290,948 66.6%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44438,727 39.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927176,505 45.3%  
Other income Rs m9,40025,085 37.5%   
Interest expense Rs m50,194103,074 48.7%   
Net interest income Rs m29,73473,431 40.5%  
Operating expense Rs m24,63455,109 44.7%   
Gross profit Rs m5,10018,322 27.8%  
Gross profit margin %6.410.4 61.5%  
Provisions/contingencies Rs m1,36924,783 5.5%   
Profit before tax Rs m16,19829,051 55.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-361 -0.0%   
Tax Rs m3,06810,428 29.4%   
Profit after tax Rs m13,13018,263 71.9%  
Net profit margin %16.410.3 158.8%  
BALANCE SHEET DATA
Advances Rs m768,1941,558,702 49.3%   
Deposits Rs m1,096,6552,493,377 44.0%  
Credit/Deposit ratio x70.062.5 112.1%  
Yield on advances %7.26.6 107.9%   
Cost of deposits %4.33.8 113.9%   
Net Interest Margin %2.42.9 83.5%  
Net fixed assets Rs m15,19434,445 44.1%   
Share capital Rs m67,778119,560 56.7%   
Free reserves Rs m83,307136,477 61.0%   
Net worth Rs m151,085256,037 59.0%   
Borrowings Rs m90,184205,011 44.0%   
Investments Rs m448,384950,085 47.2%   
Total assets Rs m1,364,5453,007,022 45.4%  
Debt/equity ratio x7.910.5 74.5%   
Return on assets %1.00.6 158.4%  
Return on equity %8.77.1 121.8%  
Capital adequacy ratio %17.116.5 103.6%  
Net NPAs %1.81.3 142.6%  
CASH FLOW
From Operations Rs m14,28429,829 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 m8525,801 0.3%  

Share Holding

Indian Promoters % 98.3 95.4 103.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 1.3 49.3%  
FIIs % 0.0 0.0 100.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 4.6 38.0%  
Shareholders   156,109 610,166 25.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs UCO 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 UCO Bank Share Price Performance

Period Punjab & Sind Bank UCO Bank S&P BSE BANKEX
1-Day 6.19% 5.35% 0.82%
1-Month -4.56% -5.21% 2.48%
1-Year 151.16% 131.68% 19.28%
3-Year CAGR 52.60% 68.32% 12.00%
5-Year CAGR 13.79% 22.35% 9.40%

* 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.



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