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CSB BANK vs UCO BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSB BANK UCO BANK CSB BANK/
UCO BANK
 
P/E (TTM) x 9.7 22.9 42.1% View Chart
P/BV x 1.4 1.8 76.7% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 CSB BANK   UCO BANK
EQUITY SHARE DATA
    CSB BANK
Mar-24
UCO BANK
Mar-24
CSB BANK/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs42271 597.2%   
Low Rs25024 1,032.2%   
Income per share (Unadj.) Rs168.718.3 923.2%  
Earnings per share (Unadj.) Rs32.71.4 2,336.9%  
Cash flow per share (Unadj.) Rs105.45.4 1,953.0%  
Dividends per share (Unadj.) Rs00.28 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs218.222.8 958.8%  
Shares outstanding (eoy) m173.4911,955.96 1.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.02.6 76.7%   
Avg P/E ratio x10.333.9 30.3%  
Avg P/CF ratio x7.512.3 60.5%  
Avg Price/Bookvalue ratio x1.52.1 73.9%  
Dividend payout %020.0 0.0%   
Avg Mkt Cap Rs m58,287567,191 10.3%   
No. of employees `000NANA-   
Total wages & salary Rs m7,14748,867 14.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m29,275218,543 13.4%  
Other income Rs m5,84332,655 17.9%   
Interest expense Rs m14,511137,536 10.6%   
Net interest income Rs m14,76481,008 18.2%  
Operating expense Rs m12,80867,901 18.9%   
Gross profit Rs m1,95613,107 14.9%  
Gross profit margin %6.76.0 111.4%  
Provisions/contingencies Rs m2,13129,225 7.3%   
Profit before tax Rs m7,61425,689 29.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0178 0.0%   
Tax Rs m1,9469,151 21.3%   
Profit after tax Rs m5,66816,716 33.9%  
Net profit margin %19.47.6 253.1%  
BALANCE SHEET DATA
Advances Rs m243,3561,820,219 13.4%   
Deposits Rs m297,1882,631,298 11.3%  
Credit/Deposit ratio x81.969.2 118.4%  
Yield on advances %10.17.8 129.9%   
Cost of deposits %4.54.5 101.0%   
Net Interest Margin %4.62.9 157.1%  
Net fixed assets Rs m4,05937,166 10.9%   
Share capital Rs m1,735119,560 1.5%   
Free reserves Rs m36,128152,578 23.7%   
Net worth Rs m37,864272,138 13.9%   
Borrowings Rs m17,574253,314 6.9%   
Investments Rs m75,514927,614 8.1%   
Total assets Rs m360,5603,235,485 11.1%  
Debt/equity ratio x8.310.6 78.4%   
Return on assets %1.60.5 304.3%  
Return on equity %15.06.1 243.7%  
Capital adequacy ratio %24.517.0 144.1%  
Net NPAs %0.50.9 57.3%  
CASH FLOW
From Operations Rs m17,83010,017 178.0%  
From Investments Rs m-14,392-2,949 488.0%  
From Financial Activity Rs m9,744-4,295 -226.9%  
Net Cashflow Rs m13,1822,973 443.4%  

Share Holding

Indian Promoters % 0.0 95.4 -  
Foreign collaborators % 40.0 0.0 -  
Indian inst/Mut Fund % 30.3 1.3 2,260.4%  
FIIs % 12.7 0.0 63,550.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 60.0 4.6 1,301.5%  
Shareholders   76,579 773,466 9.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CSB BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on CSB BANK vs UCO Bank

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

Here's a brief comparison:

CSB BANK vs UCO Bank Share Price Performance

Period CSB BANK UCO Bank S&P BSE BANKEX
1-Day 0.77% 0.84% 1.61%
1-Month 1.92% -4.27% -0.07%
1-Year -16.82% 11.11% 18.92%
3-Year CAGR 2.94% 46.40% 11.26%
5-Year CAGR 0.53% 17.08% 10.62%

* Compound Annual Growth Rate

Here are more details on the CSB BANK share price and the UCO Bank share price.

Moving on to shareholding structures...

The promoters of CSB BANK hold a 40.0% stake in the company. In case of UCO Bank the stake stands at 95.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CSB BANK and the shareholding pattern of UCO Bank.

Finally, a word on dividends...

In the most recent financial year, CSB BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

UCO Bank paid Rs 0.3, and its dividend payout ratio stood at 20.0%.

You may visit here to review the dividend history of CSB BANK, and the dividend history of UCO Bank.

For a sector overview, read our banking sector report.



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