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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 -1.8 -0.3 - View Chart
P/BV x 0.2 0.1 288.3% 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:   KARUR VYSYA BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  YES BANK  CANARA BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (2QFY19); Net Profit Down 156.1% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, UNITED BANK OF INDIA has posted a net profit of Rs 9 bn (down 156.1% YoY). Sales on the other hand came in at Rs 21 bn (up 2.3% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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