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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 5.7 18.5 30.7% View Chart
P/BV x 0.7 3.1 21.3% View Chart
Dividend Yield % 1.7 0.2 1,041.6%  

Financials

 SOUTH IND.BANK   CITY UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-17
CITY UNION BANK
Mar-17
SOUTH IND.BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs26169 15.2%   
Low Rs1793 18.6%   
Income per share (Unadj.) Rs32.452.8 61.4%  
Earnings per share (Unadj.) Rs2.28.4 26.0%  
Cash flow per share (Unadj.) Rs6.418.0 35.9%  
Dividends per share (Unadj.) Rs0.400.30 133.3%  
Avg Dividend yield %1.90.2 812.7%  
Book value per share (Unadj.) Rs26.959.4 45.3%  
Shares outstanding (eoy) m1,802.84601.06 299.9%   
Bonus/Rights/Conversions ESOSESOS-  
Avg Price / Income ratio x0.72.5 26.7%   
Avg P/E ratio x9.915.6 63.0%  
Avg P/CF ratio x3.89.8 39.3%  
Avg Price/Bookvalue ratio x0.82.2 36.2%  
Dividend payout %18.43.6 512.3%   
Avg Mkt Cap Rs m38,67178,589 49.2%   
No. of employees `0007.74.7 163.7%   
Total wages & salary Rs m6,7652,981 226.9%   
Avg. income/employee Rs Th7,616.46,768.6 112.5%   
Avg. wages/employee Rs Th881.2635.8 138.6%   
Avg. net profit/employee Rs Th511.31,072.2 47.7%   
INCOME DATA
Interest income Rs m58,47131,738 184.2%  
Other income Rs m7,1564,840 147.9%   
Interest expense Rs m41,71719,750 211.2%   
Net interest income Rs m16,75411,988 139.8%  
Operating expense Rs m11,7646,890 170.7%   
Gross profit Rs m4,9905,098 97.9%  
Gross profit margin %8.516.1 53.1%  
Provisions/contingencies Rs m6,1443,010 204.1%   
Profit before tax Rs m6,0026,928 86.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,0771,900 109.3%   
Profit after tax Rs m3,9255,028 78.1%  
Net profit margin %6.715.8 42.4%  
BALANCE SHEET DATA
Advances Rs m463,895238,327 194.6%   
Deposits Rs m661,175301,157 219.5%  
Credit/Deposit ratio x70.279.1 88.7%  
Yield on advances %9.610.9 88.2%   
Cost of deposits %6.06.4 92.7%   
Net Interest Margin %2.43.6 67.7%  
Net fixed assets Rs m6,5612,151 305.0%   
Share capital Rs m1,803601 299.9%   
Free reserves Rs m32,00922,455 142.5%   
Net worth Rs m48,48535,702 135.8%   
Borrowings Rs m19,5785,310 368.7%   
Investments Rs m194,29770,315 276.3%   
Total assets Rs m743,122352,708 210.7%  
Debt/equity ratio x14.08.6 163.6%   
Return on assets %0.51.4 37.1%  
Return on equity %8.114.1 57.5%  
Capital adequacy ratio %12.415.8 78.1%  
Net NPAs %1.51.7 84.8%  
CASH FLOW
From Operations Rs m19,5662,836 689.9%  
From Investments Rs m-18,415-503 3,659.6%  
From Financial Activity Rs m4,982-44 -11,374.4%  
Net Cashflow Rs m6,1332,289 267.9%  

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:   PNB  INDIAN OVERSEAS BANK  ICICI BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  

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



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