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UCO BANK vs CSB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK CSB BANK UCO BANK/
CSB BANK
 
P/E (TTM) x 22.9 9.7 237.4% View Chart
P/BV x 1.8 1.4 130.3% View Chart
Dividend Yield % 0.7 0.0 -  

Financials

 UCO BANK   CSB BANK
EQUITY SHARE DATA
    UCO BANK
Mar-24
CSB BANK
Mar-24
UCO BANK/
CSB BANK
5-Yr Chart
Click to enlarge
High Rs71422 16.7%   
Low Rs24250 9.7%   
Income per share (Unadj.) Rs18.3168.7 10.8%  
Earnings per share (Unadj.) Rs1.432.7 4.3%  
Cash flow per share (Unadj.) Rs5.4105.4 5.1%  
Dividends per share (Unadj.) Rs0.280-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs22.8218.2 10.4%  
Shares outstanding (eoy) m11,955.96173.49 6,891.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.62.0 130.4%   
Avg P/E ratio x33.910.3 330.0%  
Avg P/CF ratio x12.37.5 165.2%  
Avg Price/Bookvalue ratio x2.11.5 135.4%  
Dividend payout %20.00-   
Avg Mkt Cap Rs m567,19158,287 973.1%   
No. of employees `000NANA-   
Total wages & salary Rs m48,8677,147 683.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m218,54329,275 746.5%  
Other income Rs m32,6555,843 558.9%   
Interest expense Rs m137,53614,511 947.8%   
Net interest income Rs m81,00814,764 548.7%  
Operating expense Rs m67,90112,808 530.2%   
Gross profit Rs m13,1071,956 670.0%  
Gross profit margin %6.06.7 89.7%  
Provisions/contingencies Rs m29,2252,131 1,371.4%   
Profit before tax Rs m25,6897,614 337.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m1780-   
Tax Rs m9,1511,946 470.2%   
Profit after tax Rs m16,7165,668 294.9%  
Net profit margin %7.619.4 39.5%  
BALANCE SHEET DATA
Advances Rs m1,820,219243,356 748.0%   
Deposits Rs m2,631,298297,188 885.4%  
Credit/Deposit ratio x69.281.9 84.5%  
Yield on advances %7.810.1 77.0%   
Cost of deposits %4.54.5 99.1%   
Net Interest Margin %2.94.6 63.7%  
Net fixed assets Rs m37,1664,059 915.6%   
Share capital Rs m119,5601,735 6,889.5%   
Free reserves Rs m152,57836,128 422.3%   
Net worth Rs m272,13837,864 718.7%   
Borrowings Rs m253,31417,574 1,441.4%   
Investments Rs m927,61475,514 1,228.4%   
Total assets Rs m3,235,485360,560 897.4%  
Debt/equity ratio x10.68.3 127.5%   
Return on assets %0.51.6 32.9%  
Return on equity %6.115.0 41.0%  
Capital adequacy ratio %17.024.5 69.4%  
Net NPAs %0.90.5 174.5%  
CASH FLOW
From Operations Rs m10,01717,830 56.2%  
From Investments Rs m-2,949-14,392 20.5%  
From Financial Activity Rs m-4,2959,744 -44.1%  
Net Cashflow Rs m2,97313,182 22.6%  

Share Holding

Indian Promoters % 95.4 0.0 -  
Foreign collaborators % 0.0 40.0 -  
Indian inst/Mut Fund % 1.3 30.3 4.4%  
FIIs % 0.0 12.7 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 60.0 7.7%  
Shareholders   773,466 76,579 1,010.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on UCO Bank vs CSB BANK

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

Here's a brief comparison:

UCO Bank vs CSB BANK Share Price Performance

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

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

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

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

Finally, a word on dividends...

In the most recent financial year, UCO Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 20.0%.

CSB BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our banking sector report.



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