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Compare South Ind.Bank with United Bank of India - Equitymaster
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SOUTH IND.BANK vs UNITED BANK OF INDIA - Comparison Results

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Current Valuations

    SOUTH IND.BANK UNITED BANK OF INDIA SOUTH IND.BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 4.6 -0.5 - View Chart
P/BV x 1.0 0.2 598.1% View Chart
Dividend Yield % 2.2 0.0 -  

Financials

 SOUTH IND.BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-15
UNITED BANK OF INDIA
Mar-16
SOUTH IND.BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs3532 110.7%   
Low Rs2217 129.8%   
Income per share (Unadj.) Rs39.2118.4 33.1%  
Earnings per share (Unadj.) Rs2.3-3.4 -67.7%  
Cash flow per share (Unadj.) Rs7.7-15.5 -49.6%  
Dividends per share (Unadj.) Rs0.600-  
Avg Dividend yield %2.10-  
Book value per share (Unadj.) Rs26.669.6 38.2%  
Shares outstanding (eoy) m1,350.15839.51 160.8%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x0.70.2 354.7%   
Avg P/E ratio x12.5-7.2 -173.2%  
Avg P/CF ratio x5.30.9 586.2%  
Avg Price/Bookvalue ratio x1.10.3 306.7%  
Dividend payout %26.40-   
Avg Mkt Cap Rs m38,41220,358 188.7%   
No. of employees `0007.815.0 52.2%   
Total wages & salary Rs m6,33710,974 57.7%   
Avg. income/employee Rs Th6,755.66,632.8 101.8%   
Avg. wages/employee Rs Th809.8732.5 110.6%   
Avg. net profit/employee Rs Th392.6-188.2 -208.6%   
INCOME DATA
Interest income Rs m52,86299,367 53.2%  
Other income Rs m4,97114,675 33.9%   
Interest expense Rs m39,20076,561 51.2%   
Net interest income Rs m13,66222,806 59.9%  
Operating expense Rs m9,81319,363 50.7%   
Gross profit Rs m3,8493,443 111.8%  
Gross profit margin %7.33.5 210.2%  
Provisions/contingencies Rs m4,14125,228 16.4%   
Profit before tax Rs m4,680-7,110 -65.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,608-4,290 -37.5%   
Profit after tax Rs m3,072-2,820 -109.0%  
Net profit margin %5.8-2.8 -204.8%  
BALANCE SHEET DATA
Advances Rs m373,916680,602 54.9%   
Deposits Rs m519,1251,164,013 44.6%  
Credit/Deposit ratio x72.058.5 123.2%  
Yield on advances %11.19.7 114.0%   
Cost of deposits %7.16.2 114.3%   
Net Interest Margin %2.41.9 125.7%  
Net fixed assets Rs m4,79112,109 39.6%   
Share capital Rs m1,3508,395 16.1%   
Free reserves Rs m23,79417,690 134.5%   
Net worth Rs m35,91858,392 61.5%   
Borrowings Rs m22,32529,125 76.7%   
Investments Rs m167,172447,234 37.4%   
Total assets Rs m591,1631,294,318 45.7%  
Debt/equity ratio x15.120.4 73.8%   
Return on assets %0.5-0.2 -238.5%  
Return on equity %8.6-4.8 -177.1%  
Capital adequacy ratio %12.110.5 115.3%  
Net NPAs %1.09.0 10.6%  
CASH FLOW
From Operations Rs m6,87024,276 28.3%  
From Investments Rs m-1,726-896 192.6%  
From Financial Activity Rs m-1,372-429 320.3%  
Net Cashflow Rs m3,77222,951 16.4%  

Share Holding

Indian Promoters % 0.0 88.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.0 5.2 230.8%  
FIIs % 41.7 0.3 13,900.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 46.3 6.5 712.3%  
Shareholders   247,922 78,272 316.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   CANARA BANK  PNB  J&K BANK  KARNATAKA BANK  ANDHRA BANK  

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



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