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UNITED BANK OF INDIA vs CITY UNION BANK - Comparison Results

CITY UNION BANK 
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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 -0.4 16.8 - View Chart
P/BV x 0.1 2.9 2.1% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED BANK OF INDIA   CITY UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
CITY UNION BANK
Mar-18
UNITED BANK OF INDIA/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs15209 7.1%   
Low Rs9145 6.3%   
Income per share (Unadj.) Rs11.551.2 22.5%  
Earnings per share (Unadj.) Rs-3.18.9 -35.0%  
Cash flow per share (Unadj.) Rs-10.317.0 -60.6%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs15.562.6 24.7%  
Shares outstanding (eoy) m7,427.92664.73 1,117.4%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.03.5 30.0%   
Avg P/E ratio x-3.819.9 -19.3%  
Avg P/CF ratio x2.411.6 20.7%  
Avg Price/Bookvalue ratio x0.82.8 27.3%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m88,764117,591 75.5%   
No. of employees `00014.35.3 268.8%   
Total wages & salary Rs m19,5453,159 618.7%   
Avg. income/employee Rs Th5,987.66,396.7 93.6%   
Avg. wages/employee Rs Th1,367.2593.9 230.2%   
Avg. net profit/employee Rs Th-1,620.01,113.0 -145.6%   
INCOME DATA
Interest income Rs m85,59934,024 251.6%  
Other income Rs m23,8465,321 448.1%   
Interest expense Rs m65,85319,721 333.9%   
Net interest income Rs m19,74614,303 138.1%  
Operating expense Rs m29,4767,547 390.6%   
Gross profit Rs m-9,7306,757 -144.0%  
Gross profit margin %-11.419.9 -57.2%  
Provisions/contingencies Rs m59,9254,178 1,434.5%   
Profit before tax Rs m-45,8097,900 -579.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,6501,980 -1,143.9%   
Profit after tax Rs m-23,1595,920 -391.2%  
Net profit margin %-27.117.4 -155.5%  
BALANCE SHEET DATA
Advances Rs m669,551278,528 240.4%   
Deposits Rs m1,349,833328,526 410.9%  
Credit/Deposit ratio x49.684.8 58.5%  
Yield on advances %7.610.2 74.1%   
Cost of deposits %4.75.9 79.9%   
Net Interest Margin %1.43.7 38.5%  
Net fixed assets Rs m12,4012,231 555.8%   
Share capital Rs m74,279665 11,174.8%   
Free reserves Rs m40,71040,968 99.4%   
Net worth Rs m114,98941,632 276.2%   
Borrowings Rs m22,03717,359 127.0%   
Investments Rs m609,76078,791 773.9%   
Total assets Rs m1,515,299399,373 379.4%  
Debt/equity ratio x11.98.3 143.6%   
Return on assets %-1.51.5 -103.1%  
Return on equity %-20.114.2 -141.6%  
Capital adequacy ratio %13.016.2 80.1%  
Net NPAs %8.71.7 510.0%  
CASH FLOW
From Operations Rs m-150,737-1,831 8,232.5%  
From Investments Rs m-732-605 121.0%  
From Financial Activity Rs m45,76111 419,825.7%  
Net Cashflow Rs m-105,708-2,425 4,358.4%  

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:   AXIS BANK  DHANLAXMI BANK  HDFC BANK  VIJAYA BANK  CORPORATION BANK  

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



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Related Views on News

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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