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SOUTH IND.BANK vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    SOUTH IND.BANK BANK OF BARODA SOUTH IND.BANK/
BANK OF BARODA
 
P/E (TTM) x 6.4 7.4 86.6% View Chart
P/BV x 1.1 1.3 82.2% View Chart
Dividend Yield % 1.1 2.1 52.8%  

Financials

 SOUTH IND.BANK   BANK OF BARODA
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-23
BANK OF BARODA
Mar-23
SOUTH IND.BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs22197 11.1%   
Low Rs790 8.1%   
Income per share (Unadj.) Rs34.6182.0 19.0%  
Earnings per share (Unadj.) Rs3.728.8 12.9%  
Cash flow per share (Unadj.) Rs13.569.5 19.5%  
Dividends per share (Unadj.) Rs0.305.50 5.5%  
Avg Dividend yield %2.13.8 53.9%  
Book value per share (Unadj.) Rs31.9203.1 15.7%  
Shares outstanding (eoy) m2,092.745,171.36 40.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.40.8 53.3%   
Avg P/E ratio x3.95.0 78.8%  
Avg P/CF ratio x2.02.4 82.6%  
Avg Price/Bookvalue ratio x0.50.7 64.5%  
Dividend payout %8.119.1 42.4%   
Avg Mkt Cap Rs m30,418742,349 4.1%   
No. of employees `000NANA-   
Total wages & salary Rs m13,080143,427 9.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m72,332941,386 7.7%  
Other income Rs m8,114166,394 4.9%   
Interest expense Rs m42,211499,422 8.5%   
Net interest income Rs m30,121441,964 6.8%  
Operating expense Rs m23,158306,445 7.6%   
Gross profit Rs m6,963135,520 5.1%  
Gross profit margin %9.614.4 66.9%  
Provisions/contingencies Rs m7,323155,035 4.7%   
Profit before tax Rs m12,468205,645 6.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,000 -0.0%   
Prior Period Items Rs m03,173 0.0%   
Tax Rs m4,71558,767 8.0%   
Profit after tax Rs m7,753149,052 5.2%  
Net profit margin %10.715.8 67.7%  
BALANCE SHEET DATA
Advances Rs m698,0449,636,518 7.2%   
Deposits Rs m916,50112,346,820 7.4%  
Credit/Deposit ratio x76.278.0 97.6%  
Yield on advances %8.26.8 119.9%   
Cost of deposits %4.23.5 121.0%   
Net Interest Margin %3.23.2 98.2%  
Net fixed assets Rs m7,53988,760 8.5%   
Share capital Rs m2,09310,355 20.2%   
Free reserves Rs m64,6541,040,192 6.2%   
Net worth Rs m66,7461,050,547 6.4%   
Borrowings Rs m69,9391,079,102 6.5%   
Investments Rs m246,4133,974,872 6.2%   
Total assets Rs m1,076,97215,258,790 7.1%  
Debt/equity ratio x14.812.8 115.6%   
Return on assets %0.71.0 73.7%  
Return on equity %11.614.2 81.9%  
Capital adequacy ratio %17.316.2 106.2%  
Net NPAs %1.90.9 209.0%  
CASH FLOW
From Operations Rs m-72,608-212,706 34.1%  
From Investments Rs m-3,861-10,963 35.2%  
From Financial Activity Rs m35,239-54,884 -64.2%  
Net Cashflow Rs m-41,229-278,552 14.8%  

Share Holding

Indian Promoters % 0.0 64.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 22.3 28.3 78.8%  
FIIs % 14.7 12.3 119.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 36.0 277.5%  
Shareholders   888,397 1,289,443 68.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    KOTAK MAHINDRA BANK    


More on South Ind.Bank vs Bank of Baroda

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

South Ind.Bank vs Bank of Baroda Share Price Performance

Period South Ind.Bank Bank of Baroda S&P BSE BANKEX
1-Day -1.62% 2.07% 0.82%
1-Month -12.76% 0.96% 2.48%
1-Year 64.99% 64.35% 19.28%
3-Year CAGR 49.24% 54.03% 12.00%
5-Year CAGR 10.60% 15.31% 9.40%

* Compound Annual Growth Rate

Here are more details on the South Ind.Bank share price and the Bank of Baroda share price.

Moving on to shareholding structures...

The promoters of South Ind.Bank hold a 0.0% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of South Ind.Bank and the shareholding pattern of Bank of Baroda.

Finally, a word on dividends...

In the most recent financial year, South Ind.Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 8.1%.

Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.

You may visit here to review the dividend history of South Ind.Bank, and the dividend history of Bank of Baroda.

For a sector overview, read our banking sector report.



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