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UCO BANK vs PUNJAB & SIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK PUNJAB & SIND BANK UCO BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 36.5 44.3 82.4% View Chart
P/BV x 2.4 2.7 91.0% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 UCO BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    UCO BANK
Mar-23
PUNJAB & SIND BANK
Mar-23
UCO BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs3845 85.4%   
Low Rs1113 84.2%   
Income per share (Unadj.) Rs14.811.8 125.2%  
Earnings per share (Unadj.) Rs1.51.9 78.8%  
Cash flow per share (Unadj.) Rs4.95.8 84.8%  
Dividends per share (Unadj.) Rs00.48 0.0%  
Avg Dividend yield %01.7 0.0%  
Book value per share (Unadj.) Rs21.422.3 96.1%  
Shares outstanding (eoy) m11,955.966,777.79 176.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.62.4 68.0%   
Avg P/E ratio x15.914.8 108.0%  
Avg P/CF ratio x6.813.4 50.6%  
Avg Price/Bookvalue ratio x1.11.3 88.6%  
Dividend payout %024.8 0.0%   
Avg Mkt Cap Rs m290,948193,675 150.2%   
No. of employees `000NANA-   
Total wages & salary Rs m38,72715,444 250.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m176,50579,927 220.8%  
Other income Rs m25,0859,400 266.9%   
Interest expense Rs m103,07450,194 205.4%   
Net interest income Rs m73,43129,734 247.0%  
Operating expense Rs m55,10924,634 223.7%   
Gross profit Rs m18,3225,100 359.3%  
Gross profit margin %10.46.4 162.7%  
Provisions/contingencies Rs m24,7831,369 1,810.2%   
Profit before tax Rs m29,05116,198 179.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-3610-   
Tax Rs m10,4283,068 339.9%   
Profit after tax Rs m18,26313,130 139.1%  
Net profit margin %10.316.4 63.0%  
BALANCE SHEET DATA
Advances Rs m1,558,702768,194 202.9%   
Deposits Rs m2,493,3771,096,655 227.4%  
Credit/Deposit ratio x62.570.0 89.2%  
Yield on advances %6.67.2 92.6%   
Cost of deposits %3.84.3 87.8%   
Net Interest Margin %2.92.4 119.8%  
Net fixed assets Rs m34,44515,194 226.7%   
Share capital Rs m119,56067,778 176.4%   
Free reserves Rs m136,47783,307 163.8%   
Net worth Rs m256,037151,085 169.5%   
Borrowings Rs m205,01190,184 227.3%   
Investments Rs m950,085448,384 211.9%   
Total assets Rs m3,007,0221,364,545 220.4%  
Debt/equity ratio x10.57.9 134.2%   
Return on assets %0.61.0 63.1%  
Return on equity %7.18.7 82.1%  
Capital adequacy ratio %16.517.1 96.5%  
Net NPAs %1.31.8 70.1%  
CASH FLOW
From Operations Rs m29,82914,284 208.8%  
From Investments Rs m-2,673-882 303.2%  
From Financial Activity Rs m-3,358-13,317 25.2%  
Net Cashflow Rs m25,80185 30,364.9%  

Share Holding

Indian Promoters % 95.4 98.3 97.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 0.7 203.0%  
FIIs % 0.0 0.0 100.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 1.8 263.4%  
Shareholders   610,166 156,109 390.9%  
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 Punjab & Sind 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 Punjab & Sind Bank Share Price Performance

Period UCO Bank Punjab & Sind Bank S&P BSE BANKEX
1-Day 5.35% 6.26% 0.82%
1-Month -5.21% -4.49% 2.48%
1-Year 131.68% 151.33% 19.28%
3-Year CAGR 68.32% 52.63% 12.00%
5-Year CAGR 22.35% 13.80% 9.40%

* Compound Annual Growth Rate

Here are more details on the UCO Bank share price and the Punjab & Sind Bank share price.

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.

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 Punjab & Sind 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%.

Punjab & Sind Bank paid Rs 0.5, and its dividend payout ratio stood at 24.8%.

You may visit here to review the dividend history of UCO Bank, and the dividend history of Punjab & Sind Bank.

For a sector overview, read our banking sector report.



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