Oriental Bank Of Commerce - (Amalgamated) Stock Analysis

BSE: 500315 | NSE: ORIENTBANK | Bank - Public | Mid Cap

BSE Share Price 20-Mar-2020 18:01
45.65 0.00 (0.00%)

DeciZen - Make an Informed Decision on Oriental Bank-Amalga

Overall Rating

2. Valuation

Overvalued

3. Price Trend

Oriental Bank-Amalga Price Chart

P/E Ratio (SA) :
9.23
Market Cap :
5,926.2 Cr.
52-wk low :
41.1
52-wk high :
45.7
Bole Toh?

1. Is Oriental Bank Of Commerce a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Oriental Bank Of Commerce - (Amalgamated) is a below average quality company.

2. Is Oriental Bank Of Commerce undervalued or overvalued?

The key valuation ratios of Oriental Bank Of Commerce - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Oriental Bank Of Commerce a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Oriental Bank Of Commerce - (Amalgamated) is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Oriental Bank-Amalga:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Oriental Bank Of Commerce - (Amalgamated) has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19TTM
Net Interest Income (₹ Cr.)2,9074,1784,2164,7015,1275,0845,3754,9094,5015,498966
YoY Gr. Rt. %-43.7%0.9%11.5%9.1%-0.8%5.7%-8.7%-8.3%22.2%-
Total Income11,45713,04817,05519,35920,96322,08321,93521,18820,18120,53722,692
YoY Gr. Rt. %-13.9%30.7%13.5%8.3%5.3%-0.7%-3.4%-4.8%1.8%-
Adj EPS (₹ ) 45.351.539.145.53825.94.9-31.6-92.80.44.7
YoY Gr. Rt. %-13.7%-24%16.3%-16.5%-31.8%-81.3%-750.4%NANA-
BVPS (₹ )292.2350379.9414.7426.2438.8418366.1164.1127130.2
YoY Gr. Rt. %-19.8%8.6%9.2%2.8%3%-4.7%-12.4%-55.2%-22.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.910.70.70.50.30.1-0.4-2.400
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)0.912.22.32.83.36.7910.55.96
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income7.3%1.4%0.8%22.2%
Total Income6.7%-0.4%-2.2%1.8%
Adj EPS-40.9%-59.8%-56.5%NA
BVPS-8.8%-21.5%-32.8%-22.6%
Share Price -18.3% -17.9% -5.5% 5.5%

Key Financial Ratios

RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19TTM
Interest Earned / Total Income89.5392.6492.7391.4590.7290.3991.9586.9586.168764.1
Margins To view Margins Colour Rating Guide click here
NIM (%)2.22.72.42.42.42.32.42.12.12.20
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)16.517.210.711.59.261.2-8.4-50.90.4-0.9
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)2524.624.124.624.324.225.230.531.729.4-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Oriental Bank Of Commerce - (Amalgamated)

Standalone Consolidated
TTM EPS (₹) 4.7 -
TTM Sales (₹ Cr.) 19,208 -
BVPS (₹.) 130.2 -
Reserves (₹ Cr.) 16,470 -
P/BV 0.33 -
PE 9.23 -
From the Market
52 Week Low / High (₹) 41.10 / 45.65
All Time Low / High (₹) 25.65 / 545.00
Market Cap (₹ Cr.) 5,926
Equity (₹ Cr.) 1,370.2
Face Value (₹) 10
Industry PE 13.7

Management X-Ray of Oriental Bank-Amalga :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Oriental Bank-Amalga

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Oriental Bank Of Commerce - (Amalgamated) FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Oriental Bank-Amalga on 20-Mar-2020 18:01 is : 45.65.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 20-Mar-2020 18:01 the market cap of Oriental Bank-Amalga stood at ₹ 5,926.2.
The latest PE ratio of Oriental Bank-Amalga as of 20-Mar-2020 18:01 is 9.23.
The latest PB ratio of Oriental Bank-Amalga as of 20-Mar-2020 18:01 is 0.33
The 52-week high of Oriental Bank-Amalga is ₹ 45.65 and the 52-week low is ₹ 41.10.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Oriental Bank-Amalga is ₹ 19,208 ( Cr.) .

About Oriental Bank Of Commerce - (Amalgamated)

Oriental Bank of Commerce (OBC) is a Government of India undertaking that was incorporated in 1943. Back then, its business activities included monetary intermediation of commercial banks, saving banks and discount houses.

In the year 1951, bank's registered office was relocated to Delhi, from Lahore in Pakistan. In the year 1980, the bank was nationalised. Much later in the year 1992 the bank set up its merchant banking division.

In the year 1997 two banks namely Punjab Co-operative Bank and Bari Doab Bank were amalgamated in OBC. Immediate next year the bank collaborated with Citibank to launch a co-branded credit card. In 1999 it set up special branch and asset recovery branch in Mumbai and Delhi.

In 2002 OBC set up a specialised branch, exclusively for women entrepreneurs. In same year it tied up with Corporation Bank to share their ATM network.

In 2003, for implementing Centralised Banking Solution (CBS), OBC joined hands with Infosys Technologies and Wipro. In 2004 Global Trust Bank was amalgamated with OBC.

In 2006 the bank entered into Memorandum of Understanding (MOU) with the IL & FS Investment Securities to provide online sharing trading facilities to its customers. In 2007 the bank tied up with Escorts to provide tractor finance to farmers.

In the same year, it tied up with IDBI Capital Market Services in order to provide online share trading facilities to its customers.

In 2008 it entered into distribution tie up with Kotak Mahindra Asset Management Company.

Businesses

Personal Banking- It offers wide range of products and services such as saving accounts, deposits, loans, mutual funds, insurance, internet banking, debit card, credit card, etc

Corporate Banking- It provides various services to its corporate clients such as cash management services, loans, financing working capital, etc.

NRI Banking- Besides various personal banking products, it also offers remittance services, consultancy services to its NRI Clients.

It also offers various products and services to priority and SME sector.

Outlook

Oriental Bank of Commerce has signed of memorandum of understanding (MOU) with Maruti Suzuki India to publicise the loan scheme offered by bank.

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