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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 -0.7 21.4 - View Chart
P/BV x 0.2 2.9 7.6% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
CITY UNION BANK
Mar-17
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs32169 18.8%   
Low Rs1793 18.1%   
Income per share (Unadj.) Rs118.452.8 224.2%  
Earnings per share (Unadj.) Rs-3.48.4 -40.2%  
Cash flow per share (Unadj.) Rs-15.518.0 -85.9%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs69.659.4 117.1%  
Shares outstanding (eoy) m839.51601.06 139.7%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.22.5 8.3%   
Avg P/E ratio x-7.215.6 -46.2%  
Avg P/CF ratio x0.99.8 9.3%  
Avg Price/Bookvalue ratio x0.32.2 15.8%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m20,35878,589 25.9%   
No. of employees `00015.04.7 319.5%   
Total wages & salary Rs m10,9742,981 368.1%   
Avg. income/employee Rs Th6,632.86,768.6 98.0%   
Avg. wages/employee Rs Th732.5635.8 115.2%   
Avg. net profit/employee Rs Th-188.21,072.2 -17.6%   
INCOME DATA
Interest income Rs m99,36731,738 313.1%  
Other income Rs m14,6754,840 303.2%   
Interest expense Rs m76,56119,750 387.6%   
Net interest income Rs m22,80611,988 190.2%  
Operating expense Rs m19,3636,890 281.0%   
Gross profit Rs m3,4435,098 67.5%  
Gross profit margin %3.516.1 21.6%  
Provisions/contingencies Rs m25,2283,010 838.2%   
Profit before tax Rs m-7,1106,928 -102.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,900 -225.8%   
Profit after tax Rs m-2,8205,028 -56.1%  
Net profit margin %-2.815.8 -17.9%  
BALANCE SHEET DATA
Advances Rs m680,602238,327 285.6%   
Deposits Rs m1,164,013301,157 386.5%  
Credit/Deposit ratio x58.579.1 73.9%  
Yield on advances %9.710.9 89.6%   
Cost of deposits %6.26.4 95.7%   
Net Interest Margin %1.93.6 53.0%  
Net fixed assets Rs m12,1092,151 563.0%   
Share capital Rs m8,395601 1,396.6%   
Free reserves Rs m17,69022,455 78.8%   
Net worth Rs m58,39235,702 163.6%   
Borrowings Rs m29,1255,310 548.5%   
Investments Rs m447,23470,315 636.0%   
Total assets Rs m1,294,318352,708 367.0%  
Debt/equity ratio x20.48.6 238.0%   
Return on assets %-0.21.4 -15.3%  
Return on equity %-4.814.1 -34.3%  
Capital adequacy ratio %10.515.8 66.1%  
Net NPAs %9.01.7 528.7%  
CASH FLOW
From Operations Rs m24,2762,836 856.0%  
From Investments Rs m-896-503 178.1%  
From Financial Activity Rs m-429-44 978.3%  
Net Cashflow Rs m22,9512,289 1,002.6%  

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:   DHANLAXMI BANK  BANK OF INDIA  SBI  SYNDICATE BANK  ICICI BANK  

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



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