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CITY UNION BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK PNB CITY UNION BANK/
PNB
 
P/E (TTM) x 11.9 8.2 145.2% View Chart
P/BV x 1.5 1.0 149.5% View Chart
Dividend Yield % 0.9 1.6 56.7%  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-24
PNB
Mar-24
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs168133 126.1%   
Low Rs12046 257.3%   
Income per share (Unadj.) Rs71.299.1 71.8%  
Earnings per share (Unadj.) Rs13.78.3 165.8%  
Cash flow per share (Unadj.) Rs28.123.8 117.9%  
Dividends per share (Unadj.) Rs1.501.50 100.0%  
Avg Dividend yield %1.01.7 62.5%  
Book value per share (Unadj.) Rs113.4100.3 113.1%  
Shares outstanding (eoy) m740.6711,011.02 6.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.00.9 222.7%   
Avg P/E ratio x10.510.8 96.5%  
Avg P/CF ratio x7.03.8 183.3%  
Avg Price/Bookvalue ratio x1.30.9 141.4%  
Dividend payout %10.918.1 60.3%   
Avg Mkt Cap Rs m106,342987,963 10.8%   
No. of employees `000NANA-   
Total wages & salary Rs m6,138186,432 3.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m52,7061,090,646 4.8%  
Other income Rs m7,417133,294 5.6%   
Interest expense Rs m31,471685,342 4.6%   
Net interest income Rs m21,235405,304 5.2%  
Operating expense Rs m13,484288,090 4.7%   
Gross profit Rs m7,751117,214 6.6%  
Gross profit margin %14.710.7 136.8%  
Provisions/contingencies Rs m5,010167,220 3.0%   
Profit before tax Rs m12,307133,317 9.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-500 -0.0%   
Prior Period Items Rs m08,282 0.0%   
Tax Rs m2,15050,028 4.3%   
Profit after tax Rs m10,15791,072 11.2%  
Net profit margin %19.38.4 230.8%  
BALANCE SHEET DATA
Advances Rs m455,2579,417,625 4.8%   
Deposits Rs m556,56613,792,252 4.0%  
Credit/Deposit ratio x81.868.3 119.8%  
Yield on advances %9.18.1 112.3%   
Cost of deposits %5.24.5 114.7%   
Net Interest Margin %3.52.9 118.9%  
Net fixed assets Rs m2,704123,478 2.2%   
Share capital Rs m74122,022 3.4%   
Free reserves Rs m83,2741,081,845 7.7%   
Net worth Rs m84,0141,103,867 7.6%   
Borrowings Rs m47,242725,856 6.5%   
Investments Rs m156,6414,464,213 3.5%   
Total assets Rs m708,25915,986,360 4.4%  
Debt/equity ratio x7.213.2 54.6%   
Return on assets %1.40.6 251.7%  
Return on equity %12.18.3 146.5%  
Capital adequacy ratio %23.716.0 148.6%  
Net NPAs %2.00.7 269.9%  
CASH FLOW
From Operations Rs m4,362-279,394 -1.6%  
From Investments Rs m-1,064-15,064 7.1%  
From Financial Activity Rs m-35535,176 -1.0%  
Net Cashflow Rs m2,943-259,283 -1.1%  

Share Holding

Indian Promoters % 0.0 70.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.6 20.0 297.6%  
FIIs % 26.0 8.4 308.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 29.9 334.2%  
Shareholders   234,222 2,579,491 9.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on City Union Bank vs PNB

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

Here's a brief comparison:

City Union Bank vs PNB Share Price Performance

Period City Union Bank PNB S&P BSE BANKEX
1-Day -0.21% -4.48% -0.42%
1-Month 12.87% -5.78% -2.93%
1-Year 12.68% 23.53% 16.50%
3-Year CAGR 3.81% 34.18% 10.67%
5-Year CAGR -4.53% 8.79% 10.10%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the PNB share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of PNB the stake stands at 70.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of City Union Bank and the shareholding pattern of PNB.

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 10.9%.

PNB paid Rs 1.5, and its dividend payout ratio stood at 18.1%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of PNB.

For a sector overview, read our banking sector report.



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