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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 6.9 17.5 39.5% View Chart
P/BV x 0.3 2.9 11.2% View Chart
Dividend Yield % 2.0 0.1 1,316.4%  

Financials

 SOUTH IND.BANK   CITY UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-19
CITY UNION BANK
Mar-18
SOUTH IND.BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs27209 13.1%   
Low Rs13145 8.6%   
Income per share (Unadj.) Rs38.051.2 74.2%  
Earnings per share (Unadj.) Rs1.48.9 15.4%  
Cash flow per share (Unadj.) Rs5.717.0 33.5%  
Dividends per share (Unadj.) Rs0.250.30 83.3%  
Avg Dividend yield %1.30.2 738.9%  
Book value per share (Unadj.) Rs29.562.6 47.1%  
Shares outstanding (eoy) m1,809.68664.73 272.2%   
Bonus/Rights/Conversions ESOSESOS-  
Avg Price / Income ratio x0.53.5 15.2%   
Avg P/E ratio x14.619.9 73.4%  
Avg P/CF ratio x3.311.6 28.0%  
Avg Price/Bookvalue ratio x0.72.8 24.0%  
Dividend payout %18.33.4 542.6%   
Avg Mkt Cap Rs m36,103117,591 30.7%   
No. of employees `0008.45.3 158.7%   
Total wages & salary Rs m8,2143,159 260.0%   
Avg. income/employee Rs Th8,147.56,396.7 127.4%   
Avg. wages/employee Rs Th973.3593.9 163.9%   
Avg. net profit/employee Rs Th293.31,113.0 26.4%   
INCOME DATA
Interest income Rs m68,76534,024 202.1%  
Other income Rs m7,2625,321 136.5%   
Interest expense Rs m48,56819,721 246.3%   
Net interest income Rs m20,19714,303 141.2%  
Operating expense Rs m15,0697,547 199.7%   
Gross profit Rs m5,1286,757 75.9%  
Gross profit margin %7.519.9 37.6%  
Provisions/contingencies Rs m8,5854,178 205.5%   
Profit before tax Rs m3,8057,900 48.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,3301,980 67.2%   
Profit after tax Rs m2,4755,920 41.8%  
Net profit margin %3.617.4 20.7%  
BALANCE SHEET DATA
Advances Rs m626,937278,528 225.1%   
Deposits Rs m804,201328,526 244.8%  
Credit/Deposit ratio x78.084.8 92.0%  
Yield on advances %8.610.2 84.4%   
Cost of deposits %5.75.9 96.4%   
Net Interest Margin %2.33.7 62.6%  
Net fixed assets Rs m7,0872,231 317.6%   
Share capital Rs m1,810665 272.3%   
Free reserves Rs m51,54440,968 125.8%   
Net worth Rs m53,35341,632 128.2%   
Borrowings Rs m49,03217,359 282.5%   
Investments Rs m190,81478,791 242.2%   
Total assets Rs m922,792399,373 231.1%  
Debt/equity ratio x16.08.3 192.5%   
Return on assets %0.31.5 18.1%  
Return on equity %4.614.2 32.6%  
Capital adequacy ratio %12.616.2 77.7%  
Net NPAs %3.51.7 202.9%  
CASH FLOW
From Operations Rs m16,779-1,831 -916.4%  
From Investments Rs m-11,745-605 1,940.4%  
From Financial Activity Rs m98311 9,019.3%  
Net Cashflow Rs m6,017-2,425 -248.1%  

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:   HDFC BANK  FEDERAL BANK  KARUR VYSYA BANK  BANK OF INDIA  KOTAK MAHINDRA BANK  

Compare SOUTH IND.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

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

SOUTH IND.BANK Announces Quarterly Results (4QFY19); Net Profit Down 38.2% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, SOUTH IND.BANK has posted a net profit of Rs 705 m (down 38.2% YoY). Sales on the other hand came in at Rs 18 bn (up 12.7% YoY). Read on for a complete analysis of SOUTH IND.BANK's quarterly results.

SOUTH IND.BANK Announces Quarterly Results (3QFY19); Net Profit Down 27.1% (Quarterly Result Update)

Jan 21, 2019 | Updated on Jan 21, 2019

For the quarter ended December 2018, SOUTH IND.BANK has posted a net profit of Rs 838 m (down 27.1% YoY). Sales on the other hand came in at Rs 17 bn (up 10.0% YoY). Read on for a complete analysis of SOUTH IND.BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

SOUTH IND.BANK Announces Quarterly Results (2QFY19); Net Profit Up 1523.4% (Quarterly Result Update)

Oct 16, 2018 | Updated on Oct 16, 2018

For the quarter ended September 2018, SOUTH IND.BANK has posted a net profit of Rs 701 m (up 1523.4% YoY). Sales on the other hand came in at Rs 17 bn (up 10.4% YoY). Read on for a complete analysis of SOUTH IND.BANK's quarterly results.

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