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UCO BANK vs CSB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK CSB BANK UCO BANK/
CSB BANK
 
P/E (TTM) x 39.6 12.2 323.6% View Chart
P/BV x 2.6 2.2 120.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UCO BANK   CSB BANK
EQUITY SHARE DATA
    UCO BANK
Mar-23
CSB BANK
Mar-23
UCO BANK/
CSB BANK
5-Yr Chart
Click to enlarge
High Rs38275 13.9%   
Low Rs11178 5.9%   
Income per share (Unadj.) Rs14.8133.7 11.0%  
Earnings per share (Unadj.) Rs1.531.6 4.8%  
Cash flow per share (Unadj.) Rs4.987.4 5.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs21.4183.6 11.7%  
Shares outstanding (eoy) m11,955.96173.49 6,891.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.61.7 97.3%   
Avg P/E ratio x15.97.2 221.9%  
Avg P/CF ratio x6.85.6 121.7%  
Avg Price/Bookvalue ratio x1.11.2 92.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m290,94839,295 740.4%   
No. of employees `000NANA-   
Total wages & salary Rs m38,7275,585 693.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m176,50523,197 760.9%  
Other income Rs m25,0853,160 793.8%   
Interest expense Rs m103,0749,858 1,045.6%   
Net interest income Rs m73,43113,338 550.5%  
Operating expense Rs m55,1099,425 584.7%   
Gross profit Rs m18,3223,914 468.1%  
Gross profit margin %10.416.9 61.5%  
Provisions/contingencies Rs m24,7831,600 1,548.6%   
Profit before tax Rs m29,0517,336 396.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-3610-   
Tax Rs m10,4281,863 559.9%   
Profit after tax Rs m18,2635,474 333.7%  
Net profit margin %10.323.6 43.8%  
BALANCE SHEET DATA
Advances Rs m1,558,702206,506 754.8%   
Deposits Rs m2,493,377245,058 1,017.5%  
Credit/Deposit ratio x62.584.3 74.2%  
Yield on advances %6.69.1 72.6%   
Cost of deposits %3.83.7 100.9%   
Net Interest Margin %2.95.0 58.1%  
Net fixed assets Rs m34,4453,194 1,078.6%   
Share capital Rs m119,5601,735 6,889.5%   
Free reserves Rs m136,47730,118 453.1%   
Net worth Rs m256,03731,853 803.8%   
Borrowings Rs m205,0117,830 2,618.4%   
Investments Rs m950,08558,487 1,624.4%   
Total assets Rs m3,007,022291,623 1,031.1%  
Debt/equity ratio x10.57.9 132.7%   
Return on assets %0.61.9 32.4%  
Return on equity %7.117.2 41.5%  
Capital adequacy ratio %16.527.1 60.9%  
Net NPAs %1.30.4 368.6%  
CASH FLOW
From Operations Rs m29,82922,115 134.9%  
From Investments Rs m-2,673-7,243 36.9%  
From Financial Activity Rs m-3,358-12,242 27.4%  
Net Cashflow Rs m25,8012,629 981.2%  

Share Holding

Indian Promoters % 95.4 0.0 -  
Foreign collaborators % 0.0 49.7 -  
Indian inst/Mut Fund % 1.4 20.9 6.5%  
FIIs % 0.0 4.9 0.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 50.3 9.2%  
Shareholders   739,097 63,497 1,164.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UCO BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on UCO Bank vs CSB BANK

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

Here's a brief comparison:

UCO Bank vs CSB BANK Share Price Performance

Period UCO Bank CSB BANK S&P BSE BANKEX
1-Day -0.14% 0.10% -0.29%
1-Month 12.33% 16.71% 3.78%
1-Year 101.39% 38.17% 12.82%
3-Year CAGR 72.87% 16.38% 14.29%
5-Year CAGR 25.37% 6.11% 10.20%

* Compound Annual Growth Rate

Here are more details on the UCO Bank share price and the CSB BANK share price.

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of CSB BANK the stake stands at 49.7%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of UCO Bank and the shareholding pattern of CSB BANK.

Finally, a word on dividends...

In the most recent financial year, UCO Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

CSB BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of UCO Bank, and the dividend history of CSB BANK.

For a sector overview, read our banking sector report.



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