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UNITED BANK OF INDIA vs SOUTH IND.BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA SOUTH IND.BANK UNITED BANK OF INDIA/
SOUTH IND.BANK
 
P/E (TTM) x 9.3 6.6 139.7% View Chart
P/BV x 0.4 1.1 31.8% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 UNITED BANK OF INDIA   SOUTH IND.BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
SOUTH IND.BANK
Mar-23
UNITED BANK OF INDIA/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs1522 67.9%   
Low Rs97 124.5%   
Income per share (Unadj.) Rs11.534.6 33.3%  
Earnings per share (Unadj.) Rs-3.13.7 -84.2%  
Cash flow per share (Unadj.) Rs-7.213.5 -53.4%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs15.531.9 48.5%  
Shares outstanding (eoy) m7,427.922,092.74 354.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.4 246.1%   
Avg P/E ratio x-3.83.9 -97.5%  
Avg P/CF ratio x6.32.0 311.0%  
Avg Price/Bookvalue ratio x0.80.5 169.0%  
Dividend payout %08.1 -0.0%   
Avg Mkt Cap Rs m88,57830,418 291.2%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54513,080 149.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,59972,332 118.3%  
Other income Rs m23,8468,114 293.9%   
Interest expense Rs m65,85342,211 156.0%   
Net interest income Rs m19,74630,121 65.6%  
Operating expense Rs m29,47623,158 127.3%   
Gross profit Rs m-9,7306,963 -139.7%  
Gross profit margin %-11.49.6 -118.1%  
Provisions/contingencies Rs m37,2757,323 509.0%   
Profit before tax Rs m-45,80912,468 -367.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,6504,715 -480.4%   
Profit after tax Rs m-23,1597,753 -298.7%  
Net profit margin %-27.110.7 -252.4%  
BALANCE SHEET DATA
Advances Rs m669,551698,044 95.9%   
Deposits Rs m1,349,833916,501 147.3%  
Credit/Deposit ratio x49.676.2 65.1%  
Yield on advances %7.68.2 92.4%   
Cost of deposits %4.74.2 111.4%   
Net Interest Margin %1.53.2 48.4%  
Net fixed assets Rs m12,3417,539 163.7%   
Share capital Rs m74,2792,093 3,549.4%   
Free reserves Rs m40,71064,654 63.0%   
Net worth Rs m114,98966,746 172.3%   
Borrowings Rs m22,03769,939 31.5%   
Investments Rs m609,760246,413 247.5%   
Total assets Rs m1,515,2991,076,972 140.7%  
Debt/equity ratio x11.914.8 80.7%   
Return on assets %-1.50.7 -212.3%  
Return on equity %-20.111.6 -173.4%  
Capital adequacy ratio %13.017.3 75.4%  
Net NPAs %8.71.9 466.1%  
CASH FLOW
From Operations Rs m-150,737-72,608 207.6%  
From Investments Rs m-732-3,861 19.0%  
From Financial Activity Rs m45,76135,239 129.9%  
Net Cashflow Rs m-105,708-41,229 256.4%  

Share Holding

Indian Promoters % 97.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 22.3 5.5%  
FIIs % 0.0 14.7 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 100.0 2.6%  
Shareholders   101,958 888,397 11.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on United Bank of India vs South Ind.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 South Ind.Bank Share Price Performance

Period United Bank of India South Ind.Bank S&P BSE BANKEX
1-Day -0.44% -2.51% -0.23%
1-Month -42.19% -15.70% -0.12%
1-Year -59.60% 62.52% 18.03%
3-Year CAGR -43.77% 46.88% 11.08%
5-Year CAGR -31.10% 12.09% 9.56%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the South Ind.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 South Ind.Bank the stake stands at 0.0%.

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 South Ind.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%.

South Ind.Bank paid Rs 0.3, and its dividend payout ratio stood at 8.1%.

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

For a sector overview, read our banking sector report.



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