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UNION BANK vs SOUTH IND.BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK SOUTH IND.BANK UNION BANK/
SOUTH IND.BANK
 
P/E (TTM) x 8.8 6.7 130.5% View Chart
P/BV x 1.5 1.1 130.6% View Chart
Dividend Yield % 2.0 1.0 189.2%  

Financials

 UNION BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
SOUTH IND.BANK
Mar-23
UNION BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs9622 442.2%   
Low Rs347 461.5%   
Income per share (Unadj.) Rs118.834.6 343.6%  
Earnings per share (Unadj.) Rs12.53.7 336.1%  
Cash flow per share (Unadj.) Rs27.213.5 201.1%  
Dividends per share (Unadj.) Rs3.000.30 1,000.0%  
Avg Dividend yield %4.62.1 223.7%  
Book value per share (Unadj.) Rs115.331.9 361.5%  
Shares outstanding (eoy) m6,834.752,092.74 326.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.4 130.1%   
Avg P/E ratio x5.23.9 133.0%  
Avg P/CF ratio x1.72.0 85.8%  
Avg Price/Bookvalue ratio x0.60.5 123.7%  
Dividend payout %24.18.1 297.5%   
Avg Mkt Cap Rs m444,08830,418 1,460.0%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24013,080 957.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,63272,332 1,122.1%  
Other income Rs m159,1548,114 1,961.5%   
Interest expense Rs m480,32842,211 1,137.9%   
Net interest income Rs m331,30330,121 1,099.9%  
Operating expense Rs m234,87323,158 1,014.2%   
Gross profit Rs m96,4306,963 1,385.0%  
Gross profit margin %11.99.6 123.4%  
Provisions/contingencies Rs m171,2807,323 2,338.9%   
Profit before tax Rs m121,46512,468 974.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1624,715 788.2%   
Profit after tax Rs m85,1177,753 1,097.8%  
Net profit margin %10.510.7 97.8%  
BALANCE SHEET DATA
Advances Rs m7,642,767698,044 1,094.9%   
Deposits Rs m11,203,219916,501 1,222.4%  
Credit/Deposit ratio x68.276.2 89.6%  
Yield on advances %7.48.2 90.9%   
Cost of deposits %4.04.2 94.2%   
Net Interest Margin %3.03.2 93.8%  
Net fixed assets Rs m88,2587,539 1,170.6%   
Share capital Rs m69,3882,093 3,315.6%   
Free reserves Rs m718,64864,654 1,111.5%   
Net worth Rs m788,03566,746 1,180.6%   
Borrowings Rs m427,36669,939 611.1%   
Investments Rs m3,437,270246,413 1,394.9%   
Total assets Rs m12,883,5711,076,972 1,196.3%  
Debt/equity ratio x14.814.8 99.9%   
Return on assets %0.70.7 91.8%  
Return on equity %10.811.6 93.0%  
Capital adequacy ratio %16.017.3 93.0%  
Net NPAs %1.71.9 91.4%  
CASH FLOW
From Operations Rs m61,114-72,608 -84.2%  
From Investments Rs m-25,611-3,861 663.4%  
From Financial Activity Rs m-106,54135,239 -302.3%  
Net Cashflow Rs m-71,038-41,229 172.3%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 22.3 72.9%  
FIIs % 4.0 14.7 27.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 100.0 23.0%  
Shareholders   874,309 888,397 98.4%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Union Bank vs South Ind.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 South Ind.Bank Share Price Performance

Period Union Bank South Ind.Bank S&P BSE BANKEX
1-Day -0.91% -1.20% -0.19%
1-Month 7.58% -14.57% -0.08%
1-Year 138.91% 64.70% 18.07%
3-Year CAGR 62.73% 47.53% 11.10%
5-Year CAGR 11.60% 12.39% 9.56%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of South Ind.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 South Ind.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%.

South Ind.Bank paid Rs 0.3, and its dividend payout ratio stood at 8.1%.

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

For a sector overview, read our banking sector report.



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