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Oriental Bank Of Commerce - (Amalgamated) Stock Analysis

Mid Cap
Evaluated by 1678 users | BSE: 500315 | NSE: ORIENTBANK |
Bank - Public

Analysis of Financial Track Record

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 (Rs. Cr.)2,9074,1784,2164,7015,1275,0845,3754,9094,5015,498966
Y-o-Y 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
Y-o-Y Gr. Rt.-13.9%30.7%13.5%8.3%5.3%-0.7%-3.4%-4.8%1.8%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
45.2951.5139.1345.513825.934.86-31.61-92.790.44.68
Y-o-Y Gr. Rt.-13.7%-24%16.3%-16.5%-31.8%-81.3%-750.4%NANA-
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
292.19349.97379.93414.69426.19438.8417.98366.09164.08126.99130.20
Y-o-Y 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 (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.911.010.670.70.540.340.07-0.44-2.410.02-
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.870.982.212.272.823.346.78.9610.485.935.98
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Oriental Bank Of Commerce - (Amalgamated) should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  10 yrs 5 yrs 3 yrs 1 yr
Net Interest Income7.3%1.4%0.8%22.2%
Total Income6.7%-0.4%-2.2%1.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-40.9%-59.8%-56.5%NA
Book Value per Share
-8.8%-21.5%-32.8%-22.6%
Share Price -16.8% -18.9% -11.5% 5.5%
Key Financial Ratios
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19TTM
Interest Earned / Total Income89.5392.6492.7391.4590.7290.3991.9586.9586.168764.12
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.172.662.442.42.392.332.372.092.052.160
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)16.4817.1510.7211.469.1661.17-8.38-50.940.4-0.88
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.9724.5624.1324.5524.3124.225.2230.531.6829.4-
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Entity Percentage Holding
Promoters 87.58%
Institutions 7.61%
Non-Institutions 4.81%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Past 10 year’s financial track record indicates that that Oriental Bank Of Commerce - (Amalgamated) is a below average quality company.

Oriental Bank Of Commerce - (Amalgamated)'s earnings have declined by -59.8%, whereas share price has declined -18.9% CAGR over the past five years, indicating the company’s share price is likely overvalued. However, for specific investment actions please consult your investment advisor.

Oriental Bank Of Commerce - (Amalgamated) share price has declined -16.8% annually (CAGR) over the past ten years.

Past 10 years financial track record analysis by Moneyworks4me indicates that Oriental Bank Of Commerce - (Amalgamated) is a below average long term investment. However, you need to ensure you buy at a right price to earn good returns.

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

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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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