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Compare United Bank of India with City Union Bank - Equitymaster

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UNITED BANK OF INDIA vs CITY UNION BANK - Comparison Results

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    UNITED BANK OF INDIA CITY UNION BANK UNITED BANK OF INDIA/
CITY UNION BANK
 
P/E (TTM) x -0.5 17.4 - View Chart
P/BV x 0.1 3.0 3.1% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
CITY UNION BANK
Mar-17
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs23169 13.5%   
Low Rs1193 11.3%   
Income per share (Unadj.) Rs27.852.8 52.7%  
Earnings per share (Unadj.) Rs-4.88.4 -58.0%  
Cash flow per share (Unadj.) Rs-14.118.0 -78.6%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs28.959.4 48.6%  
Shares outstanding (eoy) m2,999.99601.06 499.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.62.5 24.2%   
Avg P/E ratio x-3.415.6 -22.0%  
Avg P/CF ratio x2.09.8 20.3%  
Avg Price/Bookvalue ratio x0.62.2 26.2%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m49,95078,589 63.6%   
No. of employees `000NA4.7 0.0%   
Total wages & salary Rs m17,1262,981 574.4%   
Avg. income/employee Rs ThNM6,768.6-  
Avg. wages/employee Rs ThNM635.8-  
Avg. net profit/employee Rs ThN.A.1,072.2-  
INCOME DATA
Interest income Rs m83,41631,738 262.8%  
Other income Rs m22,1464,840 457.6%   
Interest expense Rs m68,48819,750 346.8%   
Net interest income Rs m14,92911,988 124.5%  
Operating expense Rs m26,8346,890 389.5%   
Gross profit Rs m-11,9055,098 -233.5%  
Gross profit margin %-14.316.1 -88.9%  
Provisions/contingencies Rs m39,7283,010 1,320.0%   
Profit before tax Rs m-29,4876,928 -425.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-14,9421,900 -786.4%   
Profit after tax Rs m-14,5455,028 -289.3%  
Net profit margin %-17.415.8 -110.1%  
BALANCE SHEET DATA
Advances Rs m624,902238,327 262.2%   
Deposits Rs m1,293,264301,157 429.4%  
Credit/Deposit ratio x48.379.1 61.1%  
Yield on advances %8.110.9 74.5%   
Cost of deposits %5.16.4 79.1%   
Net Interest Margin %1.13.6 31.6%  
Net fixed assets Rs m12,9312,151 601.2%   
Share capital Rs m30,000601 4,990.9%   
Free reserves Rs m22,24422,455 99.1%   
Net worth Rs m86,61635,702 242.6%   
Borrowings Rs m33,0615,310 622.6%   
Investments Rs m504,01870,315 716.8%   
Total assets Rs m1,447,487352,708 410.4%  
Debt/equity ratio x15.38.6 178.4%   
Return on assets %-1.01.4 -70.5%  
Return on equity %-16.814.1 -119.2%  
Capital adequacy ratio %12.615.8 79.7%  
Net NPAs %16.51.7 964.3%  
CASH FLOW
From Operations Rs m46,5882,836 1,642.7%  
From Investments Rs m-2,347-503 466.3%  
From Financial Activity Rs m27,942-44 -63,793.8%  
Net Cashflow Rs m72,1832,289 3,153.3%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 10.2 51.0%  
FIIs % 0.3 33.4 0.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 56.0 11.6%  
Shareholders   78,272 82,699 94.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ANDHRA BANK  SOUTH IND.BANK  BANK OF INDIA  ALLAHABAD BANK  AXIS BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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