PUNJAB & SIND BANK | UNITED BANK OF INDIA | PUNJAB & SIND BANK/ UNITED BANK OF INDIA |
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P/E (TTM) | x | 45.9 | 9.3 | 494.1% | View Chart |
P/BV | x | 2.8 | 0.4 | 784.6% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK UNITED BANK OF INDIA |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
UNITED BANK OF INDIA Mar-19 |
PUNJAB & SIND BANK/ UNITED BANK OF INDIA |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 15 | 301.7% | |
Low | Rs | 13 | 9 | 138.1% | |
Income per share (Unadj.) | Rs | 11.8 | 11.5 | 102.3% | |
Earnings per share (Unadj.) | Rs | 1.9 | -3.1 | -62.1% | |
Cash flow per share (Unadj.) | Rs | 5.8 | -7.2 | -80.7% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 15.5 | 144.0% | |
Shares outstanding (eoy) | m | 6,777.79 | 7,427.92 | 91.2% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.0 | 234.2% | |
Avg P/E ratio | x | 14.8 | -3.8 | -385.7% | |
Avg P/CF ratio | x | 13.4 | 6.3 | 212.9% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.8 | 166.4% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 88,578 | 218.6% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 19,545 | 79.0% | |
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 | 85,599 | 93.4% | |
Other income | Rs m | 9,400 | 23,846 | 39.4% | |
Interest expense | Rs m | 50,194 | 65,853 | 76.2% | |
Net interest income | Rs m | 29,734 | 19,746 | 150.6% | |
Operating expense | Rs m | 24,634 | 29,476 | 83.6% | |
Gross profit | Rs m | 5,100 | -9,730 | -52.4% | |
Gross profit margin | % | 6.4 | -11.4 | -56.1% | |
Provisions/contingencies | Rs m | 1,369 | 37,275 | 3.7% | |
Profit before tax | Rs m | 16,198 | -45,809 | -35.4% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 3,068 | -22,650 | -13.5% | |
Profit after tax | Rs m | 13,130 | -23,159 | -56.7% | |
Net profit margin | % | 16.4 | -27.1 | -60.7% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 669,551 | 114.7% | |
Deposits | Rs m | 1,096,655 | 1,349,833 | 81.2% | |
Credit/Deposit ratio | x | 70.0 | 49.6 | 141.2% | |
Yield on advances | % | 7.2 | 7.6 | 94.8% | |
Cost of deposits | % | 4.3 | 4.7 | 91.8% | |
Net Interest Margin | % | 2.4 | 1.5 | 158.3% | |
Net fixed assets | Rs m | 15,194 | 12,341 | 123.1% | |
Share capital | Rs m | 67,778 | 74,279 | 91.2% | |
Free reserves | Rs m | 83,307 | 40,710 | 204.6% | |
Net worth | Rs m | 151,085 | 114,989 | 131.4% | |
Borrowings | Rs m | 90,184 | 22,037 | 409.2% | |
Investments | Rs m | 448,384 | 609,760 | 73.5% | |
Total assets | Rs m | 1,364,545 | 1,515,299 | 90.1% | |
Debt/equity ratio | x | 7.9 | 11.9 | 65.8% | |
Return on assets | % | 1.0 | -1.5 | -63.0% | |
Return on equity | % | 8.7 | -20.1 | -43.2% | |
Capital adequacy ratio | % | 17.1 | 13.0 | 131.5% | |
Net NPAs | % | 1.8 | 8.7 | 21.2% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -150,737 | -9.5% | |
From Investments | Rs m | -882 | -732 | 120.4% | |
From Financial Activity | Rs m | -13,317 | 45,761 | -29.1% | |
Net Cashflow | Rs m | 85 | -105,708 | -0.1% |
Indian Promoters | % | 98.3 | 97.4 | 100.9% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 1.2 | 54.5% | |
FIIs | % | 0.0 | 0.0 | - | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 2.6 | 67.6% | |
Shareholders | 184,679 | 101,958 | 181.1% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI 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 | United Bank of India | S&P BSE BANKEX |
---|---|---|---|
1-Day | 1.95% | -0.44% | 0.71% |
1-Month | 7.14% | -42.19% | 4.08% |
1-Year | 88.19% | -59.60% | 13.57% |
3-Year CAGR | 54.22% | -43.77% | 14.40% |
5-Year CAGR | 16.38% | -31.10% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the United Bank of India share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of United Bank of India the stake stands at 97.4%.
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 United Bank of India.
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%.
United Bank of India 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 United Bank of India.
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.