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UNION BANK vs PUNJAB & SIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK PUNJAB & SIND BANK UNION BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 8.9 44.3 20.0% View Chart
P/BV x 1.5 2.7 55.5% View Chart
Dividend Yield % 2.0 0.8 243.3%  

Financials

 UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
PUNJAB & SIND BANK
Mar-23
UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs9645 215.9%   
Low Rs3413 268.4%   
Income per share (Unadj.) Rs118.811.8 1,007.0%  
Earnings per share (Unadj.) Rs12.51.9 642.8%  
Cash flow per share (Unadj.) Rs27.25.8 467.1%  
Dividends per share (Unadj.) Rs3.000.48 625.0%  
Avg Dividend yield %4.61.7 274.9%  
Book value per share (Unadj.) Rs115.322.3 517.2%  
Shares outstanding (eoy) m6,834.756,777.79 100.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.4 22.6%   
Avg P/E ratio x5.214.8 35.4%  
Avg P/CF ratio x1.713.4 13.0%  
Avg Price/Bookvalue ratio x0.61.3 44.0%  
Dividend payout %24.124.8 97.2%   
Avg Mkt Cap Rs m444,088193,675 229.3%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24015,444 810.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,63279,927 1,015.5%  
Other income Rs m159,1549,400 1,693.2%   
Interest expense Rs m480,32850,194 957.0%   
Net interest income Rs m331,30329,734 1,114.2%  
Operating expense Rs m234,87324,634 953.4%   
Gross profit Rs m96,4305,100 1,890.9%  
Gross profit margin %11.96.4 186.2%  
Provisions/contingencies Rs m171,2801,369 12,510.4%   
Profit before tax Rs m121,46516,198 749.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1623,068 1,211.2%   
Profit after tax Rs m85,11713,130 648.2%  
Net profit margin %10.516.4 63.8%  
BALANCE SHEET DATA
Advances Rs m7,642,767768,194 994.9%   
Deposits Rs m11,203,2191,096,655 1,021.6%  
Credit/Deposit ratio x68.270.0 97.4%  
Yield on advances %7.47.2 103.9%   
Cost of deposits %4.04.3 92.1%   
Net Interest Margin %3.02.4 122.3%  
Net fixed assets Rs m88,25815,194 580.9%   
Share capital Rs m69,38867,778 102.4%   
Free reserves Rs m718,64883,307 862.6%   
Net worth Rs m788,035151,085 521.6%   
Borrowings Rs m427,36690,184 473.9%   
Investments Rs m3,437,270448,384 766.6%   
Total assets Rs m12,883,5711,364,545 944.2%  
Debt/equity ratio x14.87.9 187.9%   
Return on assets %0.71.0 68.7%  
Return on equity %10.88.7 124.3%  
Capital adequacy ratio %16.017.1 93.8%  
Net NPAs %1.71.8 92.4%  
CASH FLOW
From Operations Rs m61,11414,284 427.9%  
From Investments Rs m-25,611-882 2,905.0%  
From Financial Activity Rs m-106,541-13,317 800.0%  
Net Cashflow Rs m-71,03885 -83,603.3%  

Share Holding

Indian Promoters % 77.0 98.3 78.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 0.7 2,463.6%  
FIIs % 4.0 0.0 39,700.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 1.8 1,314.9%  
Shareholders   874,309 156,109 560.1%  
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 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:

Union Bank vs Punjab & Sind Bank Share Price Performance

Period Union Bank Punjab & Sind Bank S&P BSE BANKEX
1-Day 1.42% 6.26% 0.82%
1-Month 9.02% -4.49% 2.48%
1-Year 149.11% 151.33% 19.28%
3-Year CAGR 65.10% 52.63% 12.00%
5-Year CAGR 9.71% 13.80% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% 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 Union Bank and the shareholding pattern of Punjab & Sind 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%.

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 Union Bank, and the dividend history of Punjab & Sind Bank.

For a sector overview, read our banking sector report.



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