Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

Oriental Bank Of Commerce

Mid Cap

Evaluated by 1639 users |

BSE

: 500315 |

NSE

: ORIENTBANK |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)2,9074,1784,2164,7015,1275,0845,3754,9094,5015,498
Y-o-Y Gr. Rt.-43.7%0.9%11.5%9.1%-0.8%5.7%-8.7%-8.3%22.2%
Total Income11,45713,04817,05519,35920,96322,08321,93521,18820,18120,537
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
45.2951.5139.1345.513825.934.86-31.61-92.790.4
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
292.19349.97379.93414.69426.19438.8417.98366.09164.08126.99
Y-o-Y Gr. Rt.-19.8%8.6%9.2%2.8%3%-4.7%-12.4%-55.2%-22.6%
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
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 (%)0.870.982.212.272.823.346.78.9610.485.93
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 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
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
-8.8%-21.5%-32.8%-22.6%
Share Price -18.7% -24.4% -17% -14.3%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income89.5392.6492.7391.4590.7290.3991.9586.9586.1687
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.172.662.442.42.392.332.372.092.052.16
Performance Ratios
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
Liquidity Ratio
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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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
87.58%
7.90%
4.52%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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