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PUNJAB & SIND BANK vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK UNION BANK PUNJAB & SIND BANK/
UNION BANK
 
P/E (TTM) x 44.3 8.9 498.2% View Chart
P/BV x 2.7 1.5 179.8% View Chart
Dividend Yield % 0.8 2.0 41.2%  

Financials

 PUNJAB & SIND BANK   UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
UNION BANK
Mar-23
PUNJAB & SIND BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs4596 46.3%   
Low Rs1334 37.3%   
Income per share (Unadj.) Rs11.8118.8 9.9%  
Earnings per share (Unadj.) Rs1.912.5 15.6%  
Cash flow per share (Unadj.) Rs5.827.2 21.4%  
Dividends per share (Unadj.) Rs0.483.00 16.0%  
Avg Dividend yield %1.74.6 36.4%  
Book value per share (Unadj.) Rs22.3115.3 19.3%  
Shares outstanding (eoy) m6,777.796,834.75 99.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.40.5 442.9%   
Avg P/E ratio x14.85.2 282.7%  
Avg P/CF ratio x13.41.7 771.2%  
Avg Price/Bookvalue ratio x1.30.6 227.5%  
Dividend payout %24.824.1 102.9%   
Avg Mkt Cap Rs m193,675444,088 43.6%   
No. of employees `000NANA-   
Total wages & salary Rs m15,444125,240 12.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927811,632 9.8%  
Other income Rs m9,400159,154 5.9%   
Interest expense Rs m50,194480,328 10.4%   
Net interest income Rs m29,734331,303 9.0%  
Operating expense Rs m24,634234,873 10.5%   
Gross profit Rs m5,10096,430 5.3%  
Gross profit margin %6.411.9 53.7%  
Provisions/contingencies Rs m1,369171,280 0.8%   
Profit before tax Rs m16,198121,465 13.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0813 0.0%   
Tax Rs m3,06837,162 8.3%   
Profit after tax Rs m13,13085,117 15.4%  
Net profit margin %16.410.5 156.6%  
BALANCE SHEET DATA
Advances Rs m768,1947,642,767 10.1%   
Deposits Rs m1,096,65511,203,219 9.8%  
Credit/Deposit ratio x70.068.2 102.7%  
Yield on advances %7.27.4 96.3%   
Cost of deposits %4.34.0 108.6%   
Net Interest Margin %2.43.0 81.7%  
Net fixed assets Rs m15,19488,258 17.2%   
Share capital Rs m67,77869,388 97.7%   
Free reserves Rs m83,307718,648 11.6%   
Net worth Rs m151,085788,035 19.2%   
Borrowings Rs m90,184427,366 21.1%   
Investments Rs m448,3843,437,270 13.0%   
Total assets Rs m1,364,54512,883,571 10.6%  
Debt/equity ratio x7.914.8 53.2%   
Return on assets %1.00.7 145.6%  
Return on equity %8.710.8 80.5%  
Capital adequacy ratio %17.116.0 106.6%  
Net NPAs %1.81.7 108.2%  
CASH FLOW
From Operations Rs m14,28461,114 23.4%  
From Investments Rs m-882-25,611 3.4%  
From Financial Activity Rs m-13,317-106,541 12.5%  
Net Cashflow Rs m85-71,038 -0.1%  

Share Holding

Indian Promoters % 98.3 77.0 127.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 16.3 4.1%  
FIIs % 0.0 4.0 0.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 23.0 7.6%  
Shareholders   156,109 874,309 17.9%  
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 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 Union Bank Share Price Performance

Period Punjab & Sind Bank Union Bank S&P BSE BANKEX
1-Day 6.19% 1.65% 0.82%
1-Month -4.56% 9.27% 2.48%
1-Year 151.16% 149.68% 19.28%
3-Year CAGR 52.60% 65.22% 12.00%
5-Year CAGR 13.79% 9.76% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the 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 Union Bank the stake stands at 77.0%.

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 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%.

Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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