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Compare United Bank of India with Development Credit Bank - Equitymaster

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UNITED BANK OF INDIA vs DCB BANK - Comparison Results

DCB BANK 
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Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    UNITED BANK OF INDIA DCB BANK UNITED BANK OF INDIA/
DCB BANK
 
P/E (TTM) x -0.2 20.7 - View Chart
P/BV x 0.1 2.3 5.9% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 UNITED BANK OF INDIA   DCB BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
DCB BANK
Mar-17
UNITED BANK OF INDIA/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs32172 18.4%   
Low Rs1778 21.5%   
Income per share (Unadj.) Rs118.472.8 162.7%  
Earnings per share (Unadj.) Rs-3.47.0 -48.0%  
Cash flow per share (Unadj.) Rs-15.528.9 -53.5%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs69.677.3 90.0%  
Shares outstanding (eoy) m839.51285.36 294.2%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.21.7 11.9%   
Avg P/E ratio x-7.217.9 -40.4%  
Avg P/CF ratio x0.911.5 7.9%  
Avg Price/Bookvalue ratio x0.31.6 21.5%  
Dividend payout %07.1 0.0%   
Avg Mkt Cap Rs m20,35835,713 57.0%   
No. of employees `00015.0NA-   
Total wages & salary Rs m10,9743,080 356.3%   
Avg. income/employee Rs Th6,632.8NM-  
Avg. wages/employee Rs Th732.5NM-  
Avg. net profit/employee Rs Th-188.2N.A.-  
INCOME DATA
Interest income Rs m99,36720,762 478.6%  
Other income Rs m14,6752,495 588.3%   
Interest expense Rs m76,56112,791 598.6%   
Net interest income Rs m22,8067,971 286.1%  
Operating expense Rs m19,3636,283 308.2%   
Gross profit Rs m3,4431,688 204.0%  
Gross profit margin %3.58.1 42.6%  
Provisions/contingencies Rs m25,2281,115 2,262.8%   
Profit before tax Rs m-7,1103,067 -231.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,070 -400.8%   
Profit after tax Rs m-2,8201,997 -141.2%  
Net profit margin %-2.89.6 -29.5%  
BALANCE SHEET DATA
Advances Rs m680,602158,176 430.3%   
Deposits Rs m1,164,013192,892 603.5%  
Credit/Deposit ratio x58.582.0 71.3%  
Yield on advances %9.710.4 93.5%   
Cost of deposits %6.26.1 101.1%   
Net Interest Margin %1.93.5 53.9%  
Net fixed assets Rs m12,1094,886 247.8%   
Share capital Rs m8,3952,854 294.2%   
Free reserves Rs m17,69013,116 134.9%   
Net worth Rs m58,39222,049 264.8%   
Borrowings Rs m29,12512,758 228.3%   
Investments Rs m447,23458,179 768.7%   
Total assets Rs m1,294,318240,464 538.3%  
Debt/equity ratio x20.49.3 219.1%   
Return on assets %-0.20.8 -26.2%  
Return on equity %-4.89.1 -53.3%  
Capital adequacy ratio %10.513.8 76.0%  
Net NPAs %9.00.8 1,144.3%  
CASH FLOW
From Operations Rs m24,2762,398 1,012.3%  
From Investments Rs m-896-711 126.1%  
From Financial Activity Rs m-4291,322 -32.4%  
Net Cashflow Rs m22,9513,009 762.8%  

Share Holding

Indian Promoters % 88.0 0.9 9,777.8%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 5.2 23.2 22.4%  
FIIs % 0.3 15.0 2.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 45.5 14.3%  
Shareholders   78,272 184,073 42.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   FEDERAL BANK  YES BANK  ALLAHABAD BANK  ING VYSYA BANK  ORIENTAL BANK  

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



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