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DCB BANK vs UCO BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    DCB BANK UCO BANK DCB BANK/
UCO BANK
 
P/E (TTM) x 6.4 22.9 28.0% View Chart
P/BV x 0.7 1.8 39.2% View Chart
Dividend Yield % 1.1 0.7 160.7%  

Financials

 DCB BANK   UCO BANK
EQUITY SHARE DATA
    DCB BANK
Mar-24
UCO BANK
Mar-24
DCB BANK/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs16371 231.2%   
Low Rs10024 412.1%   
Income per share (Unadj.) Rs171.418.3 937.8%  
Earnings per share (Unadj.) Rs17.11.4 1,225.6%  
Cash flow per share (Unadj.) Rs61.75.4 1,143.7%  
Dividends per share (Unadj.) Rs1.250.28 446.4%  
Avg Dividend yield %0.90.6 160.9%  
Book value per share (Unadj.) Rs162.022.8 711.8%  
Shares outstanding (eoy) m312.8011,955.96 2.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.82.6 29.6%   
Avg P/E ratio x7.733.9 22.6%  
Avg P/CF ratio x4.812.3 38.6%  
Avg Price/Bookvalue ratio x0.82.1 39.0%  
Dividend payout %7.320.0 36.4%   
Avg Mkt Cap Rs m41,165567,191 7.3%   
No. of employees `000NANA-   
Total wages & salary Rs m7,94348,867 16.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m53,620218,543 24.5%  
Other income Rs m4,74232,655 14.5%   
Interest expense Rs m34,341137,536 25.0%   
Net interest income Rs m19,27981,008 23.8%  
Operating expense Rs m15,37767,901 22.6%   
Gross profit Rs m3,90213,107 29.8%  
Gross profit margin %7.36.0 121.3%  
Provisions/contingencies Rs m3,28529,225 11.2%   
Profit before tax Rs m7,22025,689 28.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0178 0.0%   
Tax Rs m1,8609,151 20.3%   
Profit after tax Rs m5,36016,716 32.1%  
Net profit margin %10.07.6 130.7%  
BALANCE SHEET DATA
Advances Rs m409,2461,820,219 22.5%   
Deposits Rs m493,5302,631,298 18.8%  
Credit/Deposit ratio x82.969.2 119.9%  
Yield on advances %10.47.8 133.1%   
Cost of deposits %6.24.5 138.4%   
Net Interest Margin %3.42.9 114.5%  
Net fixed assets Rs m8,41137,166 22.6%   
Share capital Rs m3,128119,560 2.6%   
Free reserves Rs m47,551152,578 31.2%   
Net worth Rs m50,679272,138 18.6%   
Borrowings Rs m62,195253,314 24.6%   
Investments Rs m162,108927,614 17.5%   
Total assets Rs m630,3703,235,485 19.5%  
Debt/equity ratio x11.010.6 103.5%   
Return on assets %0.90.5 164.6%  
Return on equity %10.66.1 172.2%  
Capital adequacy ratio %16.617.0 97.7%  
Net NPAs %1.10.9 124.7%  
CASH FLOW
From Operations Rs m-12,39810,017 -123.8%  
From Investments Rs m-1,329-2,949 45.1%  
From Financial Activity Rs m20,702-4,295 -482.0%  
Net Cashflow Rs m6,9752,973 234.6%  

Share Holding

Indian Promoters % 0.8 95.4 0.8%  
Foreign collaborators % 14.0 0.0 -  
Indian inst/Mut Fund % 37.7 1.3 2,814.2%  
FIIs % 11.1 0.0 55,300.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 85.3 4.6 1,849.7%  
Shareholders   247,961 773,466 32.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on DCB 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:

DCB Bank vs UCO Bank Share Price Performance

Period DCB Bank UCO Bank S&P BSE BANKEX
1-Day 2.06% 0.84% 1.61%
1-Month 3.88% -4.27% -0.07%
1-Year 3.65% 11.11% 18.92%
3-Year CAGR 7.63% 46.40% 11.26%
5-Year CAGR -7.96% 17.08% 10.62%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of DCB Bank hold a 14.7% 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 DCB Bank and the shareholding pattern of UCO Bank.

Finally, a word on dividends...

In the most recent financial year, DCB Bank paid a dividend of Rs 1.3 per share. This amounted to a Dividend Payout ratio of 7.3%.

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 DCB Bank, and the dividend history of UCO Bank.

For a sector overview, read our banking sector report.



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