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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 19.4 - View Chart
P/BV x 0.2 3.1 7.4% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
CITY UNION BANK
Mar-16
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs3298 32.3%   
Low Rs1777 21.8%   
Income per share (Unadj.) Rs118.449.2 240.5%  
Earnings per share (Unadj.) Rs-3.47.4 -45.2%  
Cash flow per share (Unadj.) Rs-15.515.5 -99.4%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %01.4 0.0%  
Book value per share (Unadj.) Rs69.651.0 136.3%  
Shares outstanding (eoy) m839.51598.19 140.3%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.21.8 11.5%   
Avg P/E ratio x-7.211.8 -61.4%  
Avg P/CF ratio x0.97.7 11.7%  
Avg Price/Bookvalue ratio x0.31.7 20.3%  
Dividend payout %016.1 0.0%   
Avg Mkt Cap Rs m20,35852,312 38.9%   
No. of employees `00015.04.5 331.7%   
Total wages & salary Rs m10,9742,132 514.8%   
Avg. income/employee Rs Th6,632.86,518.1 101.8%   
Avg. wages/employee Rs Th732.5471.9 155.2%   
Avg. net profit/employee Rs Th-188.2984.5 -19.1%   
INCOME DATA
Interest income Rs m99,36729,442 337.5%  
Other income Rs m14,6754,100 358.0%   
Interest expense Rs m76,56119,632 390.0%   
Net interest income Rs m22,8069,810 232.5%  
Operating expense Rs m19,3635,577 347.2%   
Gross profit Rs m3,4434,233 81.3%  
Gross profit margin %3.514.4 24.1%  
Provisions/contingencies Rs m25,2282,306 1,094.0%   
Profit before tax Rs m-7,1106,027 -118.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,580 -271.5%   
Profit after tax Rs m-2,8204,447 -63.4%  
Net profit margin %-2.815.1 -18.8%  
BALANCE SHEET DATA
Advances Rs m680,602210,569 323.2%   
Deposits Rs m1,164,013271,581 428.6%  
Credit/Deposit ratio x58.577.5 75.4%  
Yield on advances %9.711.2 86.6%   
Cost of deposits %6.27.1 87.2%   
Net Interest Margin %1.93.3 57.5%  
Net fixed assets Rs m12,1092,176 556.6%   
Share capital Rs m8,395598 1,403.4%   
Free reserves Rs m17,69019,301 91.7%   
Net worth Rs m58,39230,520 191.3%   
Borrowings Rs m29,1251,126 2,587.7%   
Investments Rs m447,23463,245 707.2%   
Total assets Rs m1,294,318312,520 414.2%  
Debt/equity ratio x20.48.9 228.7%   
Return on assets %-0.21.4 -15.3%  
Return on equity %-4.814.6 -33.1%  
Capital adequacy ratio %10.515.6 67.1%  
Net NPAs %9.01.5 590.8%  
CASH FLOW
From Operations Rs m24,2761,985 1,223.2%  
From Investments Rs m-896-600 149.4%  
From Financial Activity Rs m-429-752 57.0%  
Net Cashflow Rs m22,951633 3,625.8%  

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:   PUNJAB & SIND BANK  UNION BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

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



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