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UCO BANK vs DCB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK DCB BANK UCO BANK/
DCB BANK
 
P/E (TTM) x 36.5 7.1 512.3% View Chart
P/BV x 2.4 0.8 298.7% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 UCO BANK   DCB BANK
EQUITY SHARE DATA
    UCO BANK
Mar-23
DCB BANK
Mar-23
UCO BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs38141 27.0%   
Low Rs1169 15.2%   
Income per share (Unadj.) Rs14.8134.8 10.9%  
Earnings per share (Unadj.) Rs1.514.9 10.2%  
Cash flow per share (Unadj.) Rs4.952.8 9.3%  
Dividends per share (Unadj.) Rs01.25 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs21.4146.5 14.6%  
Shares outstanding (eoy) m11,955.96311.50 3,838.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.60.8 211.3%   
Avg P/E ratio x15.97.0 226.4%  
Avg P/CF ratio x6.84.2 162.3%  
Avg Price/Bookvalue ratio x1.10.7 158.3%  
Dividend payout %08.4 0.0%   
Avg Mkt Cap Rs m290,94832,762 888.1%   
No. of employees `000NANA-   
Total wages & salary Rs m38,7276,929 558.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m176,50542,003 420.2%  
Other income Rs m25,0854,094 612.7%   
Interest expense Rs m103,07424,833 415.1%   
Net interest income Rs m73,43117,170 427.7%  
Operating expense Rs m55,10913,397 411.4%   
Gross profit Rs m18,3223,773 485.6%  
Gross profit margin %10.49.0 115.5%  
Provisions/contingencies Rs m24,7833,212 771.6%   
Profit before tax Rs m29,0516,276 462.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-3610-   
Tax Rs m10,4281,620 643.7%   
Profit after tax Rs m18,2634,656 392.3%  
Net profit margin %10.311.1 93.3%  
BALANCE SHEET DATA
Advances Rs m1,558,702343,807 453.4%   
Deposits Rs m2,493,377412,389 604.6%  
Credit/Deposit ratio x62.583.4 75.0%  
Yield on advances %6.69.9 67.2%   
Cost of deposits %3.85.4 69.9%   
Net Interest Margin %2.93.7 80.1%  
Net fixed assets Rs m34,4457,827 440.1%   
Share capital Rs m119,5603,115 3,838.2%   
Free reserves Rs m136,47742,515 321.0%   
Net worth Rs m256,03745,630 561.1%   
Borrowings Rs m205,01141,181 497.8%   
Investments Rs m950,085125,825 755.1%   
Total assets Rs m3,007,022523,659 574.2%  
Debt/equity ratio x10.59.9 106.0%   
Return on assets %0.60.9 68.3%  
Return on equity %7.110.2 69.9%  
Capital adequacy ratio %16.517.6 94.1%  
Net NPAs %1.31.0 124.0%  
CASH FLOW
From Operations Rs m29,829-15,657 -190.5%  
From Investments Rs m-2,673-1,648 162.2%  
From Financial Activity Rs m-3,35881 -4,122.9%  
Net Cashflow Rs m25,801-17,223 -149.8%  

Share Holding

Indian Promoters % 95.4 0.8 12,074.7%  
Foreign collaborators % 0.0 14.0 -  
Indian inst/Mut Fund % 1.3 47.2 2.8%  
FIIs % 0.0 13.0 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 85.2 5.4%  
Shareholders   610,166 185,692 328.6%  
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    SBI    ICICI BANK    PNB    


More on UCO Bank vs DCB 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 DCB Bank Share Price Performance

Period UCO Bank DCB Bank S&P BSE BANKEX
1-Day 5.35% 1.32% 0.82%
1-Month -5.21% -7.50% 2.48%
1-Year 131.68% 12.62% 19.28%
3-Year CAGR 68.32% 4.01% 12.00%
5-Year CAGR 22.35% -10.29% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of DCB Bank the stake stands at 14.8%.

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 DCB 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%.

DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 8.4%.

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

For a sector overview, read our banking sector report.



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