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Oriental Bank Of Commerce - (Amalgamated) (ORIENTBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500315 NSE: ORIENTBANK Bank - Public | Small Cap | Oriental Bank-Amalga Share Price

₹45.65 0.00 (0.00%)

As on 20-Mar'20 18:01

Oriental Bank Of Commerce - (Amalgamated) (ORIENTBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500315 NSE: ORIENTBANK Bank - Public | Small Cap | Oriental Bank-Amalga Share Price

₹45.65 0.00 (0.00%)

As on 20-Mar'20 18:01

Key Metrics
Valuation Multiples
Market Cap
₹5,926 Cr.
Current Price
₹45.7
52-Week Low / High
₹41 / 46
TTM EPS
₹4.7
TTM Sales
₹19,208 Cr.
Book Value per Share
₹130.2
P/E Ratio
9.23
Industry PE
9
Price to Book (P/B)
0.33
EV/EBITDA
1.98
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
0.40%
Return on Capital Employed (ROCE)
-10.32%
Net Interest Margin (NIM)
2.16%
Return on Assets (ROA)
0.02%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
12.2%
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
22.16%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
-22.6%
Asset Quality
CASA
29.4%
Gross NPA(%)
12.66%
Net NPA(%)
5.93%
Cost to Income Ratio
54.04%
Cost of Liabilities
5.01%
Reserves
₹16,470 Cr.
Equity
₹1,370.2 Cr.
Face Value
₹10
All Time Low / High
₹25.65 / 545.00

Oriental Bank Of Commerce - (Amalgamated) stock performance

Key Ratios
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10 Year X-Ray :

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 ⓘ

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 -5.5% 1.1% 1.8% 5.6%

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-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Income +11,457.1713,047.8917,055.1319,359.4920,962.7522,082.7821,934.7821,187.8520,181.2520,536.77
Interest Income 10,257.1312,087.8115,814.8817,704.7819,017.4819,961.3820,168.5018,422.3217,388.8917,867.69
Other Income ⓘ 1,200.04960.071,240.251,654.711,945.272,121.401,766.282,765.522,792.362,669.08
Expenditure +9,035.679,802.7513,914.5515,668.8016,807.2617,855.7118,252.7117,017.7116,478.0816,783.01
Interest Expense 7,349.697,910.2611,599.0913,003.6213,890.3814,877.1814,793.9313,512.8312,888.1312,369.57
Operating Expenses 1,685.981,892.482,315.462,665.182,916.882,978.523,458.783,504.883,589.954,413.44
Provisions816.501,110.281,429.462,230.262,450.963,250.833,304.495,411.139,248.907,062.60
Profit Before Tax1,605.522,038.601,425.761,536.081,580.42915.20325.84-1,523.18-6,094.42-3,630.77
Taxes 470.84535.73284.20208.13441.01137.70169.76-429.11-222.68-3,685.76
Profit After Tax 1,134.681,502.871,141.561,327.951,139.41777.50156.08-1,094.07-5,871.7454.99
Adjusted EPS (₹)45.2951.5139.1345.5138.0025.934.86-31.61-92.790.40
Dividend Payout Ratio (%)20.10%20.20%20.20%20.20%20%12.70%14.40%0%0%0%

Valuation of Oriental Bank-Amalga - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19

Equity and Liabilities

Share Capital ⓘ 250.54291.76291.76291.76299.85299.85321.40346.17632.771,370.21
Total Reserves ⓘ 7,987.4110,805.3811,650.7412,483.7813,130.8213,479.5014,619.7513,775.2011,153.9917,531.03
Deposits1,20,257.591,39,054.261,55,964.931,75,897.521,93,488.962,04,009.692,08,914.822,19,339.392,07,346.062,32,645.38
Borrowings ⓘ 4,887.035,639.215,259.057,679.337,863.616,545.0210,123.8714,592.199,694.0614,119.37
Minority Interest0000000000
Other Liabilities 4,048.435,552.764,368.104,344.815,519.286,179.545,788.185,011.794,517.186,243.57
Total Liabilities ⓘ 1,37,430.991,61,343.371,77,534.582,00,697.202,20,302.522,30,513.592,39,768.012,53,064.732,33,344.052,71,909.56

Assets

Balance with RBI 8,086.799,515.138,461.708,171.949,981.1510,188.389,432.8810,813.0912,254.8411,193.88
Balance with Banks6,513.112,102.96265.25417.684,287.77587.422,179.556,613.141,426.595,282.20
Investments ⓘ 35,785.3249,545.4152,101.3358,554.6661,472.2362,038.7166,234.3059,229.2769,902.2779,267.82
Advances 83,489.3095,908.221,11,977.691,28,955.061,39,079.851,45,261.301,48,879.991,57,7061,36,367.871,59,284.81
Net Block ⓘ 1,381.971,373.691,399.291,210.501,224.231,342.382,2472,329.972,517.612,555.10
Other Assets2,162.432,873.863,307.953,370.454,225.9411,085.2310,769.3916,344.7710,842.8414,291.57
Total Assets ⓘ 1,37,430.991,61,343.371,77,534.582,00,697.202,20,302.522,30,513.592,39,768.012,53,064.732,33,344.052,71,909.56

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Cash Flow From Operating Activity ⓘ 2,918.621,497.94-2,108.09-496.166,520.45-4,154.05-1,415.847,123.02-3,638.92-2,951.49
Cash Flow From Investing Activity ⓘ -115.72-126.88-152.56-89.43-167.69-295.23-210.52-213.54-450.57-222.62
Cash Flow From Financing Activity ⓘ -428.141,715.85-630.48448.25-673.45956.17812.98554.32344.685,968.76
Net Cash Flow ⓘ 2,374.763,086.92-2,891.14-137.335,679.30-3,493.11-813.387,463.81-3,744.802,794.66

Financial Ratio

PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19

Operational & Financial Ratios
EPS (₹)45.3051.5039.1045.503825.904.90-31.60-92.800.40
DPS (₹)9.1010.407.909.207.603.300.70000
BVPS (₹)292.2350379.9414.7426.2438.8418366.1164.1127

Margin Ratios

Yield on Advances (%)12.312.614.113.713.713.713.611.712.811.2
Yield on Investments (%)8.16.47.46.97.48.08.110.98.67.2
Cost of Liabilities (%)5.95.57.27.16.97.16.85.85.95.0
NIM (%)2.22.72.42.42.42.32.42.12.12.2
Interest Spread (%)6.47.16.96.76.86.76.85.96.86.2

Performance Ratios

ROA (%)0.91.00.70.70.50.30.1-0.4-2.40.0
ROE (%)16.517.210.711.59.26.01.2-8.4-50.90.4
ROCE (%)16.416.610.710.610.57.24.7-3.0-20.9-10.3

Efficiency Ratios

Cost to Income Ratio (%)41.136.842.441.941.241.348.445.749.254.0
Operating Costs to Assets (%)1.21.21.31.31.31.31.41.41.51.6

Valuation Parameters

Price/Book(x)1.11.10.70.60.50.50.20.40.60.9

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Oriental Bank Of Commerce - (Amalgamated) FAQs

The current trading 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 19-Mar-2020 the market cap of Oriental Bank-Amalga stood at ₹5,926.2 Cr

The latest P/E ratio of Oriental Bank-Amalga as of 19-Mar-2020 is 9.23.

The latest P/B ratio of Oriental Bank-Amalga as of 19-Mar-2020 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.) .

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

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.

No data found

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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