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Compare Punjab & Sind Bank with United Bank of India - Equitymaster
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PUNJAB & SIND BANK vs UNITED BANK OF INDIA - Comparison Results

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Current Valuations

    PUNJAB & SIND BANK UNITED BANK OF INDIA PUNJAB & SIND BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 5.7 -0.7 - View Chart
P/BV x 0.3 0.2 154.5% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 PUNJAB & SIND BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
UNITED BANK OF INDIA
Mar-16
PUNJAB & SIND BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs8432 264.7%   
Low Rs4417 260.7%   
Income per share (Unadj.) Rs214.5118.4 181.2%  
Earnings per share (Unadj.) Rs3.0-3.4 -90.2%  
Cash flow per share (Unadj.) Rs21.3-15.5 -137.9%  
Dividends per share (Unadj.) Rs0.600-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs139.869.6 200.9%  
Shares outstanding (eoy) m400.41839.51 47.7%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.30.2 145.3%   
Avg P/E ratio x21.1-7.2 -291.8%  
Avg P/CF ratio x3.40.9 375.9%  
Avg Price/Bookvalue ratio x0.50.3 131.0%  
Dividend payout %19.80-   
Avg Mkt Cap Rs m25,56620,358 125.6%   
No. of employees `0009.215.0 61.3%   
Total wages & salary Rs m8,74310,974 79.7%   
Avg. income/employee Rs Th9,355.76,632.8 141.1%   
Avg. wages/employee Rs Th952.4732.5 130.0%   
Avg. net profit/employee Rs Th132.2-188.2 -70.2%   
INCOME DATA
Interest income Rs m85,88699,367 86.4%  
Other income Rs m4,28814,675 29.2%   
Interest expense Rs m69,09476,561 90.2%   
Net interest income Rs m16,79222,806 73.6%  
Operating expense Rs m13,32519,363 68.8%   
Gross profit Rs m3,4673,443 100.7%  
Gross profit margin %4.03.5 116.5%  
Provisions/contingencies Rs m6,27325,228 24.9%   
Profit before tax Rs m1,481-7,110 -20.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m268-4,290 -6.2%   
Profit after tax Rs m1,214-2,820 -43.0%  
Net profit margin %1.4-2.8 -49.8%  
BALANCE SHEET DATA
Advances Rs m638,702680,602 93.8%   
Deposits Rs m867,1471,164,013 74.5%  
Credit/Deposit ratio x73.758.5 126.0%  
Yield on advances %10.09.7 102.5%   
Cost of deposits %7.76.2 125.1%   
Net Interest Margin %1.81.9 94.0%  
Net fixed assets Rs m9,94812,109 82.2%   
Share capital Rs m4,0048,395 47.7%   
Free reserves Rs m31,06117,690 175.6%   
Net worth Rs m55,96258,392 95.8%   
Borrowings Rs m30,48229,125 104.7%   
Investments Rs m267,517447,234 59.8%   
Total assets Rs m977,5341,294,318 75.5%  
Debt/equity ratio x16.020.4 78.5%   
Return on assets %0.1-0.2 -57.0%  
Return on equity %2.2-4.8 -44.9%  
Capital adequacy ratio %11.210.5 107.5%  
Net NPAs %3.69.0 39.3%  
CASH FLOW
From Operations Rs m-19,81624,276 -81.6%  
From Investments Rs m-845-896 94.3%  
From Financial Activity Rs m-392-429 91.5%  
Net Cashflow Rs m-21,05322,951 -91.7%  

Share Holding

Indian Promoters % 79.6 88.0 90.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 5.2 207.7%  
FIIs % 1.8 0.3 600.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 6.5 120.0%  
Shareholders   150,895 78,272 192.8%  
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  SBI  KARNATAKA BANK  BANK OF INDIA  FEDERAL BANK  

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



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