City Union Bank Ltd.

NSE: CUB  SECTOR: Bank - Private

174
-3.05 (-1.72%)

Price Summary

Today's High

₹ 180.35

Today's Low

₹ 172.25

52 Week High

₹ 249

52 Week Low

₹ 110.1

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

12848.1787746 Cr.

CASA %

24.9726428659748

No. of Shares

73.8401079 Cr.

P/E

31.43

P/B

2.31

Face Value

₹ 1

Div. Yield

0.29%

Book Value (TTM)

₹  75.4516

Net Interest Income

1675.1909 Cr.

Cost To Income %

43.0437659022059

Promoter Holding

0%

EPS (TTM)

₹  5.5369

CAR %

16.76%

ROE

9.39772580463263 %

ROCE

10.1629797446295 %

Profit Growth

11.426262535735 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year9.4%
3 Year13.29%
5 Year14.11%

ROA%

1 Year1%
3 Year1.39%
5 Year1.43%

Net NPA%

1 Year2.29%
3 Year1.93%
5 Year1.81%

 NIM

1 Year3.51%
3 Year3.65%
5 Year3.54%

CAR %

16.76

Cost of Liabilities %

5.81690868742954

PEG Ratio

NA

Advances Growth %

3.8383136504976

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 0 0
Dec 2019 0 0
Sep 2019 0 0
Jun 2019 0 0
Mar 2019 0 0
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.39338478514162% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.291855290498%.
  • The company has been consistently maintaining a NIM of 3.65079785761979% since last 3 years.
  • Good Capital Adequacy Ratio of 16.76%.

 Limitations

  • CASA Growth of -0.251554986870374% YoY, which is very low.
  • Low CASA Ratio of 24.9726428659748%.
  • The company has delivered poor Profit Growth of -1.78553278502979% over the past 3 years.
  • Increase in Provision and contingencies of 139.601821791754% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 1036.82 1060.87 1041.68 1049.36 1060.95
Other Income 194.97 142.37 179.31 160.59 169.32
Interest Expended 625.28 633.6 622.18 612.4 585.82
Operating Expenses 260.04 261.21 263.71 241.52 259.79
Total Provisions 107.95 81 450.38 157 177
Profit Before Tax 238.53 227.43 -115.29 199.04 207.67
Tax 45 35 -20 45 50
Net Profit 193.53 192.43 -95.29 154.04 157.67
Net NPA % 1.9 1.95 2.29 2.11 1.18
Gross NPA % 3.41 3.5 4.09 3.9 3.44
Return on Assets % 1.62 1.57 -0.77 1.23 1.23
NPM % 18.67 18.14 -9.15 14.68 14.86

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 2944.21 3173.79 3402.42 3767.17 4168.6
Other Income 409.98 483.95 532.1 514.39 679.95
Interest Expended 1963.17 1975.02 1972.12 2155.68 2493.41
Operating Expenses 557.73 688.97 754.65 885.89 1013.74
Total Provisions 230.59 300.97 417.75 315.14 755.08
Profit Before Tax 602.69 692.77 790 924.85 586.32
Taxes 158 190 198 242 110
Net Profit 444.69 502.77 592 682.85 476.32
Adjusted EPS (Rs.) 6.14 6.91 8.1 9.3 6.46

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 59.82 60.11 66.47 73.45 73.73
Total Reserves 2992.18 3510.09 4096.76 4767.31 5222.34
Deposits 27158.13 30115.74 32852.62 38447.95 40832.49
Borrowings 664.55 531 1735.88 480.91 2032.4
Other Liabilities 929.29 1053.84 1185.51 1489.27 1572.57
Total Liabilities 31803.96 35270.78 39937.25 45258.89 49733.53
Assets
Balance with RBI 1412.57 1484.19 1861.8 1993.12 2030.37
Balance with Banks 1237.5 1394.79 774.65 970.16 2691.28
Investments 6826.45 7031.45 7879.11 7712.2 9116.79
Advances 21056.92 23832.7 27852.79 32673.34 33927.45
Net Block 217.56 215.08 223.13 250.03 245.16
Other Assets 1052.97 1312.57 1345.78 1660.03 1722.49
Total Assets 31803.96 35270.78 39937.25 45258.89 49733.53
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company Presentations

Company News

City Union Bank Stock Price Analysis and Quick Research Report. Is City Union Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how City Union Bank is performing and if it is the right time to buy the stock of City Union Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. City Union Bank has earned Rs 4168.6028 Cr. revenue in the latest financial year. It has posted decent revenue growth of 9.51421755352984 % in last 3 Years.

  • In terms of advances, the bank reported 3.8383136504976 % YOY,  rise . If you see 3 years advance growth, it stands at 12.4931241068022 %.

  • Currently the company has a CASA ratio of 24.9726428659748 %. It’s overall cost of liability stands at 5.81690868742954 %. Also, the total deposits from these accounts stood at Rs 40832.4936 Cr.

  • The Bank has a healthy ROA track record. The ROA of City Union Bank is at 1.00284947573723 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.09 % and 2.29 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 139.601821791754 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of City Union Bank decreased and is currently at Rs 6.799462 Cr.

  • The company has a Good Capital Adequacy Ratio of 16.76 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently City Union Bank is trading at a P/B of 2.30611411818967 . The historical average PB was 2.41273597336521.

Brief about City Union Bank

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