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CITY UNION BANK vs INDIAN OVERSEAS BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK INDIAN OVERSEAS BANK CITY UNION BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x 12.0 32.1 37.5% View Chart
P/BV x 1.5 3.5 43.9% View Chart
Dividend Yield % 0.9 0.0 -  

Financials

 CITY UNION BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-24
INDIAN OVERSEAS BANK
Mar-24
CITY UNION BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs16884 200.1%   
Low Rs12022 535.9%   
Income per share (Unadj.) Rs71.212.7 558.9%  
Earnings per share (Unadj.) Rs13.71.4 972.4%  
Cash flow per share (Unadj.) Rs28.14.6 604.1%  
Dividends per share (Unadj.) Rs1.500-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs113.414.6 777.9%  
Shares outstanding (eoy) m740.6718,902.41 3.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.04.2 48.4%   
Avg P/E ratio x10.537.6 27.8%  
Avg P/CF ratio x7.014.8 47.4%  
Avg Price/Bookvalue ratio x1.33.6 34.8%  
Dividend payout %10.90-   
Avg Mkt Cap Rs m106,3421,002,773 10.6%   
No. of employees `000NANA-   
Total wages & salary Rs m6,13861,433 10.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m52,706240,657 21.9%  
Other income Rs m7,41756,653 13.1%   
Interest expense Rs m31,471142,265 22.1%   
Net interest income Rs m21,23598,392 21.6%  
Operating expense Rs m13,48487,305 15.4%   
Gross profit Rs m7,75111,086 69.9%  
Gross profit margin %14.74.6 319.2%  
Provisions/contingencies Rs m5,01041,083 12.2%   
Profit before tax Rs m12,30741,568 29.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,15014,912 14.4%   
Profit after tax Rs m10,15726,657 38.1%  
Net profit margin %19.311.1 174.0%  
BALANCE SHEET DATA
Advances Rs m455,2572,133,301 21.3%   
Deposits Rs m556,5662,861,215 19.5%  
Credit/Deposit ratio x81.874.6 109.7%  
Yield on advances %9.18.2 110.7%   
Cost of deposits %5.24.4 118.1%   
Net Interest Margin %3.53.1 110.2%  
Net fixed assets Rs m2,70437,257 7.3%   
Share capital Rs m741189,024 0.4%   
Free reserves Rs m83,27486,590 96.2%   
Net worth Rs m84,014275,614 30.5%   
Borrowings Rs m47,242303,872 15.5%   
Investments Rs m156,641991,939 15.8%   
Total assets Rs m708,2593,518,693 20.1%  
Debt/equity ratio x7.211.5 62.6%   
Return on assets %1.40.8 189.3%  
Return on equity %12.19.7 125.0%  
Capital adequacy ratio %23.717.3 137.3%  
Net NPAs %2.00.6 345.6%  
CASH FLOW
From Operations Rs m4,362-11,189 -39.0%  
From Investments Rs m-1,064-3,593 29.6%  
From Financial Activity Rs m-355-5,277 6.7%  
Net Cashflow Rs m2,943-20,059 -14.7%  

Share Holding

Indian Promoters % 0.0 96.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 59.6 1.3 4,478.9%  
FIIs % 26.0 0.0 65,025.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 3.6 2,762.4%  
Shareholders   234,222 977,592 24.0%  
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 Indian Overseas Bank

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 Indian Overseas Bank Share Price Performance

Period City Union Bank Indian Overseas Bank S&P BSE BANKEX
1-Day 0.91% 1.08% 1.61%
1-Month 1.90% 0.30% -0.07%
1-Year 15.43% 28.11% 18.92%
3-Year CAGR 4.12% 36.47% 11.26%
5-Year CAGR -4.34% 36.17% 10.62%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of Indian Overseas Bank the stake stands at 96.4%.

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

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%.

Indian Overseas Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our banking sector report.



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