Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
United Bank of India. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
United Bank of India's
is considered below, and whether this is a fair price.
Price based on past earnings
United Bank of India's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as United Bank of India has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
United Bank of India
expected to grow at an
Unable to compare United Bank of India's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare United Bank of India's earnings growth to the India market average as no estimate data is available.
Unable to compare United Bank of India's revenue growth to the India market average as no estimate data is available.
Unable to determine if United Bank of India is high growth as no earnings estimate data is available.
Unable to determine if United Bank of India is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
United Bank of India's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
United Bank of India
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
United Bank of India's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Ashok Kumar Pradhan, M.Com. and CAIIB, is Managing Director & Chief Executive Officer of United Bank of India since October 1, 2018. He serves as the Chief General Manager at State Bank of Bikaner & Jaipur. Mr. Pradhan has been an Executive Director of United Bank of India since joining on February 18, 2017. He joined State Bank of Bikaner & Jaipur as a Probationary Officer in July 1985. In a career spanning over 32 years, he has functioned in almost all areas of banking especially Credit and Branch Banking across 4 SBI associate banks namely State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore and State Bank of Travancore. He served as Chief General Manager of State Bank of Travancore.
Ashok's compensation has increased whilst company is loss making.
Ashok's remuneration is lower than average for companies of similar size in India.
Management Team Tenure
Average tenure of the
United Bank of India
management team in years:
The average tenure for the United Bank of India management team is less than 2 years, this suggests a new team.
MD, CEO & Executive Director
CFO and GM of Treasury
GM of RMS & Compliance and CCO
General Manager of SAMV
GM of Retail Advances
General Manager of HRM and Training
Chief Regional Manager of Ahmedabad & Deputy GM
Chief Risk Officer & CISO and GM of Strategic Planning & Development
Chief Regional Manager & Deputy GM
Board of Directors Tenure
Average tenure and age of the
United Bank of India
board of directors in years:
The average tenure for the United Bank of India board of directors is less than 3 years, this suggests a new board.
United Bank of India provides various banking products and services in India. It offers savings accounts, fixed deposits, current deposits, and recurring deposits; and housing, personal, car, education, mortgage and reverse mortgage loans, trade credit, overdrafts, and gold loans; and various cards. In addition, the company offers corporate banking products and services, including term loans, working capital finance products, corporate loans, and export credit products; and cash management services. Further, it provides various foreign exchange operations; correspondent banking; international treasury; remittance products; and international trade finance for non-resident Indians. Additionally, the company offers depository, debenture trustee, mutual fund, inward money remittance, pensioner’s payslip, mobile and online banking, and ebanking services, as well as life and non-life insurance products, and micro small and medium enterprise banking products. As of March 31, 2018, the company operated 2,057 branches. United Bank of India was founded in 1918 and is headquartered in Kolkata, India.
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