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UNION BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK CITY UNION BANK UNION BANK/
CITY UNION BANK
 
P/E (TTM) x 8.9 10.2 86.9% View Chart
P/BV x 1.5 1.3 110.8% View Chart
Dividend Yield % 2.0 0.7 264.0%  

Financials

 UNION BANK   CITY UNION BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
CITY UNION BANK
Mar-23
UNION BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs96205 47.0%   
Low Rs34118 28.5%   
Income per share (Unadj.) Rs118.863.7 186.5%  
Earnings per share (Unadj.) Rs12.512.7 98.4%  
Cash flow per share (Unadj.) Rs27.219.6 138.7%  
Dividends per share (Unadj.) Rs3.001.00 300.0%  
Avg Dividend yield %4.60.6 744.6%  
Book value per share (Unadj.) Rs115.3100.7 114.5%  
Shares outstanding (eoy) m6,834.75740.42 923.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.5 21.6%   
Avg P/E ratio x5.212.7 41.0%  
Avg P/CF ratio x1.76.6 26.4%  
Avg Price/Bookvalue ratio x0.61.6 35.2%  
Dividend payout %24.17.9 305.0%   
Avg Mkt Cap Rs m444,088119,411 371.9%   
No. of employees `000NANA-   
Total wages & salary Rs m125,2405,304 2,361.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,63247,143 1,721.6%  
Other income Rs m159,1548,104 1,964.0%   
Interest expense Rs m480,32825,515 1,882.5%   
Net interest income Rs m331,30321,628 1,531.8%  
Operating expense Rs m234,87311,552 2,033.2%   
Gross profit Rs m96,43010,076 957.0%  
Gross profit margin %11.921.4 55.6%  
Provisions/contingencies Rs m171,2808,805 1,945.3%   
Profit before tax Rs m121,46511,775 1,031.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1622,400 1,548.4%   
Profit after tax Rs m85,1179,375 907.9%  
Net profit margin %10.519.9 52.7%  
BALANCE SHEET DATA
Advances Rs m7,642,767430,533 1,775.2%   
Deposits Rs m11,203,219523,979 2,138.1%  
Credit/Deposit ratio x68.282.2 83.0%  
Yield on advances %7.48.8 84.3%   
Cost of deposits %4.04.4 91.0%   
Net Interest Margin %3.03.8 79.3%  
Net fixed assets Rs m88,2582,393 3,687.8%   
Share capital Rs m69,388740 9,371.4%   
Free reserves Rs m718,64873,832 973.4%   
Net worth Rs m788,03574,572 1,056.7%   
Borrowings Rs m427,36646,881 911.6%   
Investments Rs m3,437,270143,326 2,398.2%   
Total assets Rs m12,883,571665,946 1,934.6%  
Debt/equity ratio x14.87.7 192.8%   
Return on assets %0.71.4 46.9%  
Return on equity %10.812.6 85.9%  
Capital adequacy ratio %16.022.3 71.8%  
Net NPAs %1.72.4 72.0%  
CASH FLOW
From Operations Rs m61,1141,004 6,087.3%  
From Investments Rs m-25,611-719 3,562.7%  
From Financial Activity Rs m-106,541-662 16,101.9%  
Net Cashflow Rs m-71,038-377 18,865.4%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 59.0 27.6%  
FIIs % 4.0 26.6 14.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 100.0 23.0%  
Shareholders   874,309 216,019 404.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Union Bank vs City Union Bank

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

Here's a brief comparison:

Union Bank vs City Union Bank Share Price Performance

Period Union Bank City Union Bank S&P BSE BANKEX
1-Day 1.42% -0.22% 0.82%
1-Month 9.02% 0.97% 2.48%
1-Year 149.11% 11.70% 19.28%
3-Year CAGR 65.10% -4.26% 12.00%
5-Year CAGR 9.71% -7.66% 9.40%

* Compound Annual Growth Rate

Here are more details on the Union Bank share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of City Union Bank the stake stands at 0.0%.

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

Finally, a word on dividends...

In the most recent financial year, Union Bank paid a dividend of Rs 3.0 per share. This amounted to a Dividend Payout ratio of 24.1%.

City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.

You may visit here to review the dividend history of Union Bank, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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