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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 -0.5 0.7 - View Chart
P/BV x 0.1 0.0 341.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
UNITED BANK OF INDIA
Mar-19
PUNJAB & SIND BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs4015 272.3%   
Low Rs249 263.7%   
Income per share (Unadj.) Rs151.511.5 1,314.7%  
Earnings per share (Unadj.) Rs-9.6-3.1 308.6%  
Cash flow per share (Unadj.) Rs-30.4-10.3 296.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs97.915.5 632.6%  
Shares outstanding (eoy) m564.917,427.92 7.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.21.0 20.5%   
Avg P/E ratio x-3.3-3.8 87.2%  
Avg P/CF ratio x0.92.4 37.1%  
Avg Price/Bookvalue ratio x0.30.8 42.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,16288,764 20.5%   
No. of employees `0008.914.3 62.6%   
Total wages & salary Rs m11,75819,545 60.2%   
Avg. income/employee Rs Th9,564.95,987.6 159.7%   
Avg. wages/employee Rs Th1,314.01,367.2 96.1%   
Avg. net profit/employee Rs Th-607.4-1,620.0 37.5%   
INCOME DATA
Interest income Rs m85,58785,599 100.0%  
Other income Rs m4,88623,846 20.5%   
Interest expense Rs m62,79065,853 95.3%   
Net interest income Rs m22,79719,746 115.5%  
Operating expense Rs m17,11129,476 58.1%   
Gross profit Rs m5,686-9,730 -58.4%  
Gross profit margin %6.6-11.4 -58.4%  
Provisions/contingencies Rs m25,70959,925 42.9%   
Profit before tax Rs m-8,588-45,809 18.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-3,153-22,650 13.9%   
Profit after tax Rs m-5,435-23,159 23.5%  
Net profit margin %-6.3-27.1 23.5%  
BALANCE SHEET DATA
Advances Rs m691,755669,551 103.3%   
Deposits Rs m985,5761,349,833 73.0%  
Credit/Deposit ratio x70.249.6 141.5%  
Yield on advances %8.77.6 115.3%   
Cost of deposits %6.14.7 129.7%   
Net Interest Margin %2.21.4 155.8%  
Net fixed assets Rs m12,30412,401 99.2%   
Share capital Rs m5,64974,279 7.6%   
Free reserves Rs m25,97640,710 63.8%   
Net worth Rs m55,318114,989 48.1%   
Borrowings Rs m27,14022,037 123.2%   
Investments Rs m261,729609,760 42.9%   
Total assets Rs m1,089,8211,515,299 71.9%  
Debt/equity ratio x18.311.9 153.4%   
Return on assets %-0.5-1.5 32.6%  
Return on equity %-9.8-20.1 48.8%  
Capital adequacy ratio %10.913.0 84.1%  
Net NPAs %7.28.7 83.3%  
CASH FLOW
From Operations Rs m-973-150,737 0.6%  
From Investments Rs m-611-732 83.4%  
From Financial Activity Rs m-3,56145,761 -7.8%  
Net Cashflow Rs m-5,145-105,708 4.9%  

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:   SBI  ORIENTAL BANK  KARNATAKA BANK  BANK OF BARODA  KOTAK MAHINDRA BANK  

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



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UNITED BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 114.0% (Quarterly Result Update)

Nov 5, 2019 | Updated on Nov 5, 2019

For the quarter ended September 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 114.0% YoY). Sales on the other hand came in at Rs 24 bn (up 14.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 92.4% (Quarterly Result Update)

Aug 13, 2019 | Updated on Aug 13, 2019

For the quarter ended June 2019, PUNJAB & SIND BANK has posted a net profit of Rs 303 m (up 92.4% YoY). Sales on the other hand came in at Rs 21 bn (down 5.2% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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