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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 -0.6 18.5 - View Chart
P/BV x 0.1 3.1 3.6% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-17
CITY UNION BANK
Mar-17
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs29169 17.4%   
Low Rs1793 17.7%   
Income per share (Unadj.) Rs67.652.8 128.1%  
Earnings per share (Unadj.) Rs1.68.4 18.8%  
Cash flow per share (Unadj.) Rs-5.918.0 -32.7%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs52.559.4 88.5%  
Shares outstanding (eoy) m1,394.35601.06 232.0%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.32.5 13.7%   
Avg P/E ratio x14.515.6 93.1%  
Avg P/CF ratio x1.29.8 12.2%  
Avg Price/Bookvalue ratio x0.42.2 19.8%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m31,93178,589 40.6%   
No. of employees `00015.84.7 337.7%   
Total wages & salary Rs m16,2422,981 544.8%   
Avg. income/employee Rs Th5,953.56,768.6 88.0%   
Avg. wages/employee Rs Th1,025.6635.8 161.3%   
Avg. net profit/employee Rs Th138.61,072.2 12.9%   
INCOME DATA
Interest income Rs m94,27931,738 297.1%  
Other income Rs m21,8664,840 451.8%   
Interest expense Rs m75,00219,750 379.8%   
Net interest income Rs m19,27711,988 160.8%  
Operating expense Rs m25,6156,890 371.8%   
Gross profit Rs m-6,3375,098 -124.3%  
Gross profit margin %-6.716.1 -41.8%  
Provisions/contingencies Rs m24,6743,010 819.8%   
Profit before tax Rs m-9,1456,928 -132.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-11,3401,900 -596.8%   
Profit after tax Rs m2,1955,028 43.7%  
Net profit margin %2.315.8 14.7%  
BALANCE SHEET DATA
Advances Rs m661,393238,327 277.5%   
Deposits Rs m1,269,393301,157 421.5%  
Credit/Deposit ratio x52.179.1 65.8%  
Yield on advances %9.110.9 84.0%   
Cost of deposits %5.66.4 87.1%   
Net Interest Margin %1.53.6 41.0%  
Net fixed assets Rs m11,8172,151 549.4%   
Share capital Rs m13,944601 2,319.7%   
Free reserves Rs m25,71222,455 114.5%   
Net worth Rs m73,25835,702 205.2%   
Borrowings Rs m25,5185,310 480.6%   
Investments Rs m530,35570,315 754.3%   
Total assets Rs m1,410,531352,708 399.9%  
Debt/equity ratio x17.78.6 205.9%   
Return on assets %0.21.4 10.9%  
Return on equity %3.014.1 21.3%  
Capital adequacy ratio %11.415.8 72.1%  
Net NPAs %10.01.7 586.0%  
CASH FLOW
From Operations Rs m41,2302,836 1,453.7%  
From Investments Rs m-743-503 147.6%  
From Financial Activity Rs m6,417-44 -14,650.7%  
Net Cashflow Rs m46,9042,289 2,049.0%  

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:   DCB BANK  CANARA BANK  SYNDICATE BANK  YES BANK  ALLAHABAD BANK  

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



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