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UCO BANK vs TAMILNAD MERCANTILE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK TAMILNAD MERCANTILE BANK UCO BANK/
TAMILNAD MERCANTILE BANK
 
P/E (TTM) x 22.9 6.2 368.5% View Chart
P/BV x 1.8 0.9 207.5% View Chart
Dividend Yield % 0.7 2.3 29.7%  

Financials

 UCO BANK   TAMILNAD MERCANTILE BANK
EQUITY SHARE DATA
    UCO BANK
Mar-24
TAMILNAD MERCANTILE BANK
Mar-24
UCO BANK/
TAMILNAD MERCANTILE BANK
5-Yr Chart
Click to enlarge
High Rs71611 11.6%   
Low Rs24396 6.1%   
Income per share (Unadj.) Rs18.3306.2 6.0%  
Earnings per share (Unadj.) Rs1.467.7 2.1%  
Cash flow per share (Unadj.) Rs5.4145.1 3.7%  
Dividends per share (Unadj.) Rs0.2810.00 2.8%  
Avg Dividend yield %0.62.0 29.7%  
Book value per share (Unadj.) Rs22.8500.2 4.6%  
Shares outstanding (eoy) m11,955.96158.35 7,550.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.61.6 157.8%   
Avg P/E ratio x33.97.4 456.2%  
Avg P/CF ratio x12.35.4 229.4%  
Avg Price/Bookvalue ratio x2.11.0 207.1%  
Dividend payout %20.014.8 135.6%   
Avg Mkt Cap Rs m567,19179,734 711.4%   
No. of employees `000NANA-   
Total wages & salary Rs m48,8676,859 712.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m218,54348,479 450.8%  
Other income Rs m32,6556,449 506.3%   
Interest expense Rs m137,53626,970 510.0%   
Net interest income Rs m81,00821,509 376.6%  
Operating expense Rs m67,90113,141 516.7%   
Gross profit Rs m13,1078,368 156.6%  
Gross profit margin %6.017.3 34.7%  
Provisions/contingencies Rs m29,2254,097 713.2%   
Profit before tax Rs m25,68913,936 184.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m1780-   
Tax Rs m9,1513,216 284.6%   
Profit after tax Rs m16,71610,720 155.9%  
Net profit margin %7.622.1 34.6%  
BALANCE SHEET DATA
Advances Rs m1,820,219397,338 458.1%   
Deposits Rs m2,631,298495,151 531.4%  
Credit/Deposit ratio x69.280.2 86.2%  
Yield on advances %7.89.5 82.3%   
Cost of deposits %4.55.4 84.0%   
Net Interest Margin %2.93.9 75.4%  
Net fixed assets Rs m37,1662,710 1,371.6%   
Share capital Rs m119,5601,584 7,550.2%   
Free reserves Rs m152,57877,629 196.5%   
Net worth Rs m272,13879,212 343.6%   
Borrowings Rs m253,31413,012 1,946.8%   
Investments Rs m927,614152,626 607.8%   
Total assets Rs m3,235,485615,525 525.6%  
Debt/equity ratio x10.66.4 165.2%   
Return on assets %0.51.7 29.7%  
Return on equity %6.113.5 45.4%  
Capital adequacy ratio %17.029.4 57.8%  
Net NPAs %0.90.9 104.7%  
CASH FLOW
From Operations Rs m10,017-6,105 -164.1%  
From Investments Rs m-2,949-1,003 294.0%  
From Financial Activity Rs m-4,2956,970 -61.6%  
Net Cashflow Rs m2,973-139 -2,144.1%  

Share Holding

Indian Promoters % 95.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 6.3 21.3%  
FIIs % 0.0 4.1 0.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 100.0 4.6%  
Shareholders   773,466 120,897 639.8%  
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 TAMILNAD MERCANTILE 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 TAMILNAD MERCANTILE BANK Share Price Performance

Period UCO Bank TAMILNAD MERCANTILE BANK S&P BSE BANKEX
1-Day 0.84% -0.56% 1.61%
1-Month -4.27% 2.70% -0.07%
1-Year 11.11% -13.40% 18.92%
3-Year CAGR 46.40% -4.45% 11.26%
5-Year CAGR 17.08% -2.69% 10.62%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of TAMILNAD MERCANTILE BANK the stake stands at 0.0%.

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 TAMILNAD MERCANTILE 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%.

TAMILNAD MERCANTILE BANK paid Rs 10.0, and its dividend payout ratio stood at 14.8%.

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

For a sector overview, read our banking sector report.



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