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UNITED BANK OF INDIA vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA CITY UNION BANK UNITED BANK OF INDIA/
CITY UNION BANK
 
P/E (TTM) x 9.3 9.7 95.6% View Chart
P/BV x 0.4 1.3 27.7% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
CITY UNION BANK
Mar-23
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs15205 7.2%   
Low Rs9118 7.7%   
Income per share (Unadj.) Rs11.563.7 18.1%  
Earnings per share (Unadj.) Rs-3.112.7 -24.6%  
Cash flow per share (Unadj.) Rs-7.219.6 -36.8%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs15.5100.7 15.4%  
Shares outstanding (eoy) m7,427.92740.42 1,003.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.02.5 40.9%   
Avg P/E ratio x-3.812.7 -30.0%  
Avg P/CF ratio x6.36.6 95.5%  
Avg Price/Bookvalue ratio x0.81.6 48.1%  
Dividend payout %07.9 -0.0%   
Avg Mkt Cap Rs m88,578119,411 74.2%   
No. of employees `000NANA-   
Total wages & salary Rs m19,5455,304 368.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,59947,143 181.6%  
Other income Rs m23,8468,104 294.3%   
Interest expense Rs m65,85325,515 258.1%   
Net interest income Rs m19,74621,628 91.3%  
Operating expense Rs m29,47611,552 255.2%   
Gross profit Rs m-9,73010,076 -96.6%  
Gross profit margin %-11.421.4 -53.2%  
Provisions/contingencies Rs m37,2758,805 423.3%   
Profit before tax Rs m-45,80911,775 -389.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,6502,400 -943.7%   
Profit after tax Rs m-23,1599,375 -247.0%  
Net profit margin %-27.119.9 -136.1%  
BALANCE SHEET DATA
Advances Rs m669,551430,533 155.5%   
Deposits Rs m1,349,833523,979 257.6%  
Credit/Deposit ratio x49.682.2 60.4%  
Yield on advances %7.68.8 85.6%   
Cost of deposits %4.74.4 107.7%   
Net Interest Margin %1.53.8 41.0%  
Net fixed assets Rs m12,3412,393 515.6%   
Share capital Rs m74,279740 10,032.0%   
Free reserves Rs m40,71073,832 55.1%   
Net worth Rs m114,98974,572 154.2%   
Borrowings Rs m22,03746,881 47.0%   
Investments Rs m609,760143,326 425.4%   
Total assets Rs m1,515,299665,946 227.5%  
Debt/equity ratio x11.97.7 155.8%   
Return on assets %-1.51.4 -108.6%  
Return on equity %-20.112.6 -160.2%  
Capital adequacy ratio %13.022.3 58.2%  
Net NPAs %8.72.4 367.4%  
CASH FLOW
From Operations Rs m-150,7371,004 -15,014.1%  
From Investments Rs m-732-719 101.9%  
From Financial Activity Rs m45,761-662 -6,916.0%  
Net Cashflow Rs m-105,708-377 28,072.8%  

Share Holding

Indian Promoters % 97.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 59.0 2.1%  
FIIs % 0.0 26.6 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 100.0 2.6%  
Shareholders   101,958 216,019 47.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on United Bank of India 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:

United Bank of India vs City Union Bank Share Price Performance

Period United Bank of India City Union Bank S&P BSE BANKEX
1-Day -0.44% -0.08% 0.04%
1-Month -42.19% -6.82% 0.11%
1-Year -59.60% 0.94% 18.30%
3-Year CAGR -43.77% -8.43% 11.49%
5-Year CAGR -31.10% -7.50% 9.74%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of United Bank of India hold a 97.4% 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 United Bank of India and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, United Bank of India paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

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 United Bank of India, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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