What is Oriental Bank Of Commerce - (Amalgamated) share price return in the past 10 years?

Oriental Bank Of Commerce - (Amalgamated) share price has declined -16.6% annually (CAGR) over the past ten years.

What is the P/E ratio of Oriental Bank Of Commerce - (Amalgamated)?

The latest standalone P/E ratio of Oriental Bank Of Commerce - (Amalgamated) as of 20-Mar-2020 is 9.23.

What is the P/B ratio of Oriental Bank Of Commerce - (Amalgamated)?

The latest standalone P/B ratio of Oriental Bank Of Commerce - (Amalgamated) as of 20-Mar-2020 is 0.33.

What is the 52-week high and low of Oriental Bank Of Commerce - (Amalgamated)?

The 52-week high of Oriental Bank Of Commerce - (Amalgamated) is Rs. 45.65 and the 52-week low is Rs. 41.10.

What is the TTM revenue of Oriental Bank Of Commerce - (Amalgamated)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Oriental Bank Of Commerce - (Amalgamated) is Rs. 19208.07 (Cr.).

Oriental Bank Of Commerce - (Amalgamated) - Stock Valuation and Financial Performance

Name: Oriental Bank Of Commerce - (Amalgamated)
Brand: Oriental Bank Of Commerce - (Amalgamated)

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

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Oriental Bank-Amalga Share Price

₹45.65 0.00 0.00%
as on 20-Mar'20 18:01

DeciZen - make an informed investing decision on Oriental Bank-Amalga

Based on:

Data

M-Cap below 100cr DeciZen not available

Oriental Bank Of Commerce - (Amalgamated) stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

9.23

Market Cap:

5,926.2 Cr.

52-wk low:

41.1

52-wk high:

45.7

Is an attractive stock to invest in?

1. Is 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 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 a good buy now?

No data found

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

Standalone Basis ^P Consolidated Basis

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

	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Net Interest Income (₹ Cr.)	2,907	4,178	4,216	4,701	5,127	5,084	5,375	4,909	4,501	5,498	966
YoY Gr. Rt. %	-	43.7%	0.9%	11.5%	9.1%	-0.8%	5.7%	-8.7%	-8.3%	22.2%	-
Total Income	11,457	13,048	17,055	19,359	20,963	22,083	21,935	21,188	20,181	20,537	22,692
YoY Gr. Rt. %	-	13.9%	30.7%	13.5%	8.3%	5.3%	-0.7%	-3.4%	-4.8%	1.8%	-
Adj EPS (₹ )	45.3	51.5	39.1	45.5	38	25.9	4.9	-31.6	-92.8	0.4	4.7
YoY Gr. Rt. %	-	13.7%	-24%	16.3%	-16.5%	-31.8%	-81.3%	-750.4%	NA	NA	-
BVPS (₹ )	292.2	350	379.9	414.7	426.2	438.8	418	366.1	164.1	127	130.2
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 (%)	0.9	1	0.7	0.7	0.5	0.3	0.1	-0.4	-2.4	0	0
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0.9	1	2.2	2.3	2.8	3.3	6.7	9	10.5	5.9	6
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 Income	7.3%	1.4%	0.8%	22.2%
Total Income	6.7%	-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	-16.6%	-4.4%	1.8%	5.6%

Key Financial Ratios


RATIOS \ YEARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Interest Earned / Total Income	89.53	92.64	92.73	91.45	90.72	90.39	91.95	86.95	86.16	87	64.1
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	2.2	2.7	2.4	2.4	2.4	2.3	2.4	2.1	2.1	2.2	0
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	16.5	17.2	10.7	11.5	9.2	6	1.2	-8.4	-50.9	0.4	-0.9
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	25	24.6	24.1	24.6	24.3	24.2	25.2	30.5	31.7	29.4	-

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 ⓘ	9.3

Management X-Ray of Oriental Bank-Amalga:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of Oriental Bank-Amalga

Analyst's Notes

This is a premium feature, Please click here to check our solutions.

Key Ratios of Oriental Bank-Amalga

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Income	11,457.17	13,047.89	17,055.13	19,359.49	20,962.75	22,082.78	21,934.78	21,187.85	20,181.25	20,536.77
Interest Income	10,257.13	12,087.81	15,814.88	17,704.78	19,017.48	19,961.38	20,168.50	18,422.32	17,388.89	17,867.69
Other Income ⓘ	1,200.04	960.07	1,240.25	1,654.71	1,945.27	2,121.40	1,766.28	2,765.52	2,792.36	2,669.08
Expenditure	10,322.49	11,545.02	15,913.57	18,031.54	19,823.34	21,305.27	21,778.70	22,281.92	26,052.99	20,481.78
Interest Expense	7,349.69	7,910.26	11,599.09	13,003.62	13,890.38	14,877.18	14,793.93	13,512.83	12,888.13	12,369.57
Operating Expenses	1,685.98	1,892.48	2,315.46	2,665.18	2,916.88	2,978.52	3,458.78	3,504.88	3,589.95	4,413.44
Provisions	1,286.82	1,742.27	1,999.02	2,362.74	3,016.08	3,449.57	3,525.99	5,264.20	9,574.92	3,698.77
Profit Before Tax	1,605.52	2,038.60	1,425.76	1,536.08	1,580.42	915.20	325.84	-1,523.18	-6,094.42	-3,630.77
Taxes	470.84	535.73	284.20	208.13	441.01	137.70	169.76	-429.11	-222.68	-3,685.76
Profit After Tax	1,134.68	1,502.87	1,141.56	1,327.95	1,139.41	777.50	156.08	-1,094.07	-5,871.74	54.99
Adjusted EPS (₹)	45.29	51.51	39.13	45.51	38.00	25.93	4.86	-31.61	-92.79	0.40
Dividend Payout Ratio (%)	20%	20%	20%	20%	20%	13%	14%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Equity and Liabilities
Share Capital ⓘ	250.54	291.76	291.76	291.76	299.85	299.85	321.40	346.17	632.77	1,370.21
Total Reserves ⓘ	7,987.41	10,805.38	11,650.74	12,483.78	13,130.82	13,479.50	14,619.75	13,775.20	11,153.99	17,531.03
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	1,20,257.59	1,39,054.26	1,55,964.93	1,75,897.52	1,93,488.96	2,04,009.69	2,08,914.82	2,19,339.39	2,07,346.06	2,32,645.38
Borrowings ⓘ	4,887.03	5,639.21	5,259.05	7,679.33	7,863.61	6,545.02	10,123.87	14,592.19	9,694.06	14,119.37
Other Liabilities	4,048.43	5,552.76	4,368.10	4,344.81	5,519.28	6,179.54	5,788.18	5,011.79	4,517.18	6,243.57
Total Liabilities ⓘ	1,37,430.99	1,61,343.37	1,77,534.58	2,00,697.20	2,20,302.52	2,30,513.59	2,39,768.01	2,53,064.73	2,33,344.05	2,71,909.56
Assets
Balance with RBI	8,086.79	9,515.13	8,461.70	8,171.94	9,981.15	10,188.38	9,432.88	10,813.09	12,254.84	11,193.88
Balance with Banks	6,513.11	2,102.96	265.25	417.68	4,287.77	587.42	2,179.55	6,613.14	1,426.59	5,282.20
Investments ⓘ	35,785.32	49,545.41	52,101.33	58,554.66	61,472.23	62,038.71	66,234.30	59,229.27	69,902.27	79,267.82
Advances	83,489.30	95,908.22	1,11,977.69	1,28,955.06	1,39,079.85	1,45,261.30	1,48,879.99	1,57,706	1,36,367.87	1,59,284.81
Net Block ⓘ	1,381.97	1,373.69	1,399.29	1,210.50	1,224.23	1,342.38	2,247	2,329.97	2,517.61	2,555.10
Other Assets	2,162.43	2,873.86	3,307.95	3,370.45	4,225.94	11,085.23	10,769.39	16,344.77	10,842.84	14,291.57
Total Assets ⓘ	1,37,430.99	1,61,343.37	1,77,534.58	2,00,697.20	2,20,302.52	2,30,513.59	2,39,768.01	2,53,064.73	2,33,344.05	2,71,909.56

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Cash Flow From Operating Activity ⓘ	2,918.62	1,497.94	-2,108.09	-496.16	6,520.45	-4,154.05	-1,415.84	7,123.02	-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 ⓘ	-428.14	1,715.85	-630.48	448.25	-673.45	956.17	812.98	554.32	344.68	5,968.76
Net Cash Flow ⓘ	2,374.76	3,086.92	-2,891.14	-137.33	5,679.30	-3,493.11	-813.38	7,463.81	-3,744.80	2,794.66

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Operational & Financial Ratios
EPS (₹)	45	52	39	46	38	26	5	-32	-93	0
DPS (₹)	9	10	8	9	8	3	1	0	0	0
BVPS (₹)	292	350	380	415	426	439	418	366	164	127
Margin Ratios
Yield on Advances (%)	12.3	12.6	14.1	13.7	13.7	13.7	13.6	11.7	12.8	11.2
Yield on Investments (%)	8.1	6.4	7.4	6.9	7.4	8.0	8.1	10.9	8.6	7.2
Cost of Liabilities (%)	5.9	5.5	7.2	7.1	6.9	7.1	6.8	5.8	5.9	5.0
NIM (%)	2.2	2.7	2.4	2.4	2.4	2.3	2.4	2.1	2.1	2.2
Interest Spread (%)	6.4	7.1	6.9	6.7	6.8	6.7	6.8	5.9	6.8	6.2
Performance Ratios
ROA (%)	0.9	1.0	0.7	0.7	0.5	0.3	0.1	-0.4	-2.4	0.0
ROE (%)	16.5	17.2	10.7	11.5	9.2	6.0	1.2	-8.4	-50.9	0.4
ROCE (%)	16.4	16.6	10.7	10.6	10.5	7.2	4.7	-3.0	-20.9	-10.3
Efficiency Ratios
Cost to Income Ratio (%)	41.1	36.8	42.4	41.9	41.2	41.3	48.4	45.7	49.2	54.0
Operating Costs to Assets (%)	1.2	1.2	1.3	1.3	1.3	1.3	1.4	1.4	1.5	1.6
Valuation Parameters
Price/Book(x)	1.1	1.1	0.7	0.6	0.5	0.5	0.2	0.4	0.6	0.9

Oriental Bank Of Commerce - (Amalgamated) Stock News

Oriental Bank Of Commerce - (Amalgamated) FAQs

What is the share price of Oriental Bank-Amalga?

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.

What is the market cap of Oriental Bank-Amalga?

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.

What is the P/E ratio of Oriental Bank-Amalga?

The latest P/E ratio of Oriental Bank-Amalga as of 20-Mar-2020 18:01 is 9.23.

What is the P/B ratio of Oriental Bank-Amalga?

The latest P/B ratio of Oriental Bank-Amalga as of 20-Mar-2020 18:01 is 0.33.

What is the 52-week high and low of Oriental Bank-Amalga?

The 52-week high of Oriental Bank-Amalga is ₹45.65 and the 52-week low is ₹41.10.

What is the TTM revenue of Oriental Bank-Amalga?

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.