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UNITED BANK OF INDIA vs DCB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA DCB BANK UNITED BANK OF INDIA/
DCB BANK
 
P/E (TTM) x 9.3 7.1 130.2% View Chart
P/BV x 0.4 0.8 43.3% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 UNITED BANK OF INDIA   DCB BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
DCB BANK
Mar-23
UNITED BANK OF INDIA/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs15141 10.5%   
Low Rs969 13.1%   
Income per share (Unadj.) Rs11.5134.8 8.5%  
Earnings per share (Unadj.) Rs-3.114.9 -20.9%  
Cash flow per share (Unadj.) Rs-7.252.8 -13.7%  
Dividends per share (Unadj.) Rs01.25 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs15.5146.5 10.6%  
Shares outstanding (eoy) m7,427.92311.50 2,384.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.8 132.7%   
Avg P/E ratio x-3.87.0 -54.4%  
Avg P/CF ratio x6.34.2 150.7%  
Avg Price/Bookvalue ratio x0.80.7 107.3%  
Dividend payout %08.4 -0.0%   
Avg Mkt Cap Rs m88,57832,762 270.4%   
No. of employees `000NANA-   
Total wages & salary Rs m19,5456,929 282.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,59942,003 203.8%  
Other income Rs m23,8464,094 582.5%   
Interest expense Rs m65,85324,833 265.2%   
Net interest income Rs m19,74617,170 115.0%  
Operating expense Rs m29,47613,397 220.0%   
Gross profit Rs m-9,7303,773 -257.9%  
Gross profit margin %-11.49.0 -126.5%  
Provisions/contingencies Rs m37,2753,212 1,160.6%   
Profit before tax Rs m-45,8096,276 -730.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,6501,620 -1,398.1%   
Profit after tax Rs m-23,1594,656 -497.5%  
Net profit margin %-27.111.1 -244.1%  
BALANCE SHEET DATA
Advances Rs m669,551343,807 194.7%   
Deposits Rs m1,349,833412,389 327.3%  
Credit/Deposit ratio x49.683.4 59.5%  
Yield on advances %7.69.9 76.5%   
Cost of deposits %4.75.4 86.8%   
Net Interest Margin %1.53.7 42.2%  
Net fixed assets Rs m12,3417,827 157.7%   
Share capital Rs m74,2793,115 2,384.5%   
Free reserves Rs m40,71042,515 95.8%   
Net worth Rs m114,98945,630 252.0%   
Borrowings Rs m22,03741,181 53.5%   
Investments Rs m609,760125,825 484.6%   
Total assets Rs m1,515,299523,659 289.4%  
Debt/equity ratio x11.99.9 120.0%   
Return on assets %-1.50.9 -171.9%  
Return on equity %-20.110.2 -197.4%  
Capital adequacy ratio %13.017.6 74.1%  
Net NPAs %8.71.0 833.7%  
CASH FLOW
From Operations Rs m-150,737-15,657 962.7%  
From Investments Rs m-732-1,648 44.4%  
From Financial Activity Rs m45,76181 56,189.9%  
Net Cashflow Rs m-105,708-17,223 613.7%  

Share Holding

Indian Promoters % 97.4 0.8 12,330.4%  
Foreign collaborators % 0.0 14.0 -  
Indian inst/Mut Fund % 1.2 47.2 2.6%  
FIIs % 0.0 13.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 85.2 3.0%  
Shareholders   101,958 185,692 54.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on United Bank of India vs DCB Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

United Bank of India vs DCB Bank Share Price Performance

Period United Bank of India DCB Bank S&P BSE BANKEX
1-Day -0.44% 1.32% 0.82%
1-Month -42.19% -7.50% 2.48%
1-Year -59.60% 12.62% 19.28%
3-Year CAGR -43.77% 4.01% 12.00%
5-Year CAGR -31.10% -10.29% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the DCB Bank share price.

Moving on to shareholding structures...

The promoters of United Bank of India hold a 97.4% stake in the company. In case of DCB Bank the stake stands at 14.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of United Bank of India and the shareholding pattern of DCB Bank.

Finally, a word on dividends...

In the most recent financial year, United Bank of India paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 8.4%.

You may visit here to review the dividend history of United Bank of India, and the dividend history of DCB Bank.

For a sector overview, read our banking sector report.



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