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Compare South Ind.Bank with City Union Bank - Equitymaster

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SOUTH IND.BANK vs CITY UNION BANK - Comparison Results

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    SOUTH IND.BANK CITY UNION BANK SOUTH IND.BANK/
CITY UNION BANK
 
P/E (TTM) x 6.5 17.0 38.3% View Chart
P/BV x 0.4 2.6 15.4% View Chart
Dividend Yield % 2.6 0.2 1,557.0%  

Financials

 SOUTH IND.BANK   CITY UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-18
CITY UNION BANK
Mar-18
SOUTH IND.BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs35209 16.7%   
Low Rs20145 13.8%   
Income per share (Unadj.) Rs34.251.2 66.9%  
Earnings per share (Unadj.) Rs1.98.9 20.8%  
Cash flow per share (Unadj.) Rs4.617.0 27.4%  
Dividends per share (Unadj.) Rs0.400.30 133.3%  
Avg Dividend yield %1.50.2 860.8%  
Book value per share (Unadj.) Rs29.062.6 46.3%  
Shares outstanding (eoy) m1,808.83664.73 272.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.83.5 23.2%   
Avg P/E ratio x14.819.9 74.5%  
Avg P/CF ratio x3.811.6 32.3%  
Avg Price/Bookvalue ratio x0.92.8 33.5%  
Dividend payout %21.63.4 641.4%   
Avg Mkt Cap Rs m49,562117,591 42.1%   
No. of employees `0007.95.3 149.4%   
Total wages & salary Rs m7,1323,159 225.8%   
Avg. income/employee Rs Th7,793.66,396.7 121.8%   
Avg. wages/employee Rs Th897.6593.9 151.1%   
Avg. net profit/employee Rs Th421.51,113.0 37.9%   
INCOME DATA
Interest income Rs m61,92834,024 182.0%  
Other income Rs m8,3735,321 157.3%   
Interest expense Rs m42,27319,721 214.4%   
Net interest income Rs m19,65514,303 137.4%  
Operating expense Rs m13,2207,547 175.2%   
Gross profit Rs m6,4356,757 95.2%  
Gross profit margin %10.419.9 52.3%  
Provisions/contingencies Rs m9,8094,178 234.8%   
Profit before tax Rs m4,9997,900 63.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,6501,980 83.3%   
Profit after tax Rs m3,3495,920 56.6%  
Net profit margin %5.417.4 31.1%  
BALANCE SHEET DATA
Advances Rs m545,629278,528 195.9%   
Deposits Rs m720,296328,526 219.3%  
Credit/Deposit ratio x75.884.8 89.3%  
Yield on advances %8.710.2 85.7%   
Cost of deposits %5.65.9 95.1%   
Net Interest Margin %2.53.7 68.3%  
Net fixed assets Rs m6,8082,231 305.1%   
Share capital Rs m1,809665 272.1%   
Free reserves Rs m33,99440,968 83.0%   
Net worth Rs m52,43241,632 125.9%   
Borrowings Rs m40,43417,359 232.9%   
Investments Rs m183,63178,791 233.1%   
Total assets Rs m826,859399,373 207.0%  
Debt/equity ratio x14.58.3 174.6%   
Return on assets %0.41.5 27.3%  
Return on equity %6.414.2 44.9%  
Capital adequacy ratio %12.716.2 78.3%  
Net NPAs %2.61.7 152.9%  
CASH FLOW
From Operations Rs m7,929-1,831 -433.0%  
From Investments Rs m-8,238-605 1,360.9%  
From Financial Activity Rs m3,64311 33,417.4%  
Net Cashflow Rs m3,333-2,425 -137.4%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.0 10.2 117.6%  
FIIs % 41.7 33.4 124.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 46.3 56.0 82.7%  
Shareholders   247,922 82,699 299.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  SYNDICATE BANK  BANK OF BARODA  

Compare SOUTH IND.BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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