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City Union Bank share price

City Union Bank Ltd.

NSE: CUB BSE: 532210 SECTOR: Bank - Private  147k   452   91

172.27
+1.60 (0.94%)
NSE: 14 Nov 4:00 PM

Price Summary

Today's High

₹ 173.25

Today's Low

₹ 170.65

52 Week High

₹ 182.24

52 Week Low

₹ 125.4

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
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.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

12759.55 Cr.

CASA %

30.63

No. of Shares

74.07 Cr.

P/E

12.07

P/B

1.44

Face Value

₹ 1

Div. Yield

0.87 %

Book Value (TTM)

₹  119.89

Net Interest Income

2123.46 Cr.

Cost To Income %

47.06

Promoter Holding

0 %

EPS (TTM)

₹  14.28

CAR %

23.73

ROE

12.81 %

ROCE

11.7%

Profit Growth

8.35 %

* 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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Index Presence

The company is present in 18 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year12.81%
3 Year12.8%
5 Year11.69%

ROA%

1 Year1.48%
3 Year1.42%
5 Year1.28%

Net NPA%

1 Year1.97%
3 Year2.43%
5 Year2.73%

 NIM

1 Year3.12%
3 Year3.24%
5 Year3.36%

CAR %

23.73

Cost of Liabilities %

5.2121

PEG Ratio

1.45

Advances Growth %

5.7426

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Dec 2023 0.00 0.00
Sep 2023 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.42184607260269% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.7981085103724%.
  • The company has been consistently maintaining a NIM of 3.24259056158829% since last 3 years.
  • Good Capital Adequacy Ratio of 23.73%.
  • The company has delivered good Profit growth of 19.6606218407089% over the past 3 years.

 Limitations

  • CASA Growth of 0.753699999999998% YoY, which is very low.
  • High Cost to income ratio of 47.0622%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 1304.05 1326.24 1374.12 1388.64 1433.95
Other Income 182.07 192.88 175.23 192.13 226.32
Interest Expended 765.62 810.31 827.54 843.47 851.46
Operating Expenses 333.88 344.77 369.98 363.81 380.63
Total Provisions 56 46 32 39 70
Profit Before Tax 330.61 318.03 319.82 334.49 358.18
Tax 50 65 65 70 73
Net Profit 280.61 253.03 254.82 264.49 285.18
Net NPA % 2.34 2.19 1.97 1.87 1.62
Gross NPA % 4.66 4.47 3.99 3.88 3.54
Return on Assets % 1.69 1.49 1.48 1.51 1.59
NPM % 21.52 19.08 18.54 19.05 19.89

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 4168.6 4134.68 4104.78 4714.34 5270.57
Other Income 679.95 688.77 759.08 810.36 741.66
Interest Expended 2493.41 2305.02 2188.29 2551.54 3147.1
Operating Expenses 1013.74 1050.59 1080.26 1155.18 1348.39
Total Provisions 755.08 775.02 610.15 640.5 286
Profit Before Tax 586.32 692.82 985.17 1177.48 1230.73
Taxes 110 100 225 240 215
Net Profit 476.32 592.82 760.17 937.48 1015.73
Adjusted EPS (Rs.) 6.46 8.02 10.28 12.66 13.71

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 73.73 73.88 73.96 74.04 74.07
Total Reserves 5222.34 5768.59 6511.75 7383.17 8327.36
Deposits 40832.49 44537.36 47689.67 52397.86 55656.64
Borrowings 2032.4 1345.7 5311.82 4688.09 4724.16
Other Liabilities 1572.57 1586.15 1943.72 2051.4 2043.64
Total Liabilities 49733.53 53311.68 61530.91 66594.56 70825.87
Assets
Balance with RBI 2030.37 2792.71 2965.1 3302.36 4615.4
Balance with Banks 2691.28 2822.35 3721.83 3346.92 2328.12
Investments 9116.79 9435.94 12221.22 14332.63 15664.11
Advances 33927.45 36157.83 40358.47 43053.35 45525.72
Net Block 245.16 232.69 214.65 239.33 270.37
Other Assets 1722.49 1870.16 2049.64 2319.99 2422.14
Total Assets 49733.53 53311.68 61530.91 66594.56 70825.87
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 100.00 100.00 100.00 100.00 100.00
axis mutual fund 2.42 2.42 2.43 2.44 2.46
bank muscat india fund 1.22 1.22 1.22 1.22 1.22
canara robeco mutual fund... 1.88 1.23 1.23 1.23 1.02
franklin mutual fund - - - - 3.10
franklin templeton invest... 1.01 1.19 - - 1.41
hdfc life insurance compa... 2.04 2.04 2.04 2.22 2.21
hdfc mutual fund 4.54 3.74 3.75 3.85 3.91
icici prudential fund - 1.72 2.20 1.99 2.09
investor education and pr... - 0.37 - - 0.37
kotak funds india midcap ... 1.03 2.29 2.17 2.04 2.04
kotak mahindra mutual fun... - - - 2.81 2.52
llp 0.24 0.17 0.24 0.21 0.18
nippon india mutual fund - - - 1.15 1.33
sbi mutual fund 4.41 6.80 7.57 7.94 8.30
small cap world fund inc 4.94 4.94 - 4.94 4.94
sriram v huf 1.23 1.23 - 1.23 1.23
state of wisconsin invest... 1.03 1.29 1.35 1.16 1.19
uti mutual fund 1.66 1.39 1.33 1.43 1.13
vilasini vaidyanathan 2.04 2.04 2.04 2.04 2.04
visalamg - - - - 2.04
franklin templetion inves... - - - 1.29 -
franklin templetion mutua... - - - 2.43 -
investor education and pr... 0.34 - 0.37 0.37 -
life insurance corporatio... 1.35 1.35 - 1.33 -
visalam g 2.04 2.04 2.04 2.04 -
franklin templeton mutual... 3.61 3.78 2.58 - -
frnaklin templeton invest... - - 1.29 - -
lic of india - - 1.35 - -
small cap world funds - - 4.94 - -
kotak mutual fund 1.89 1.68 - - -
edelweiss mutual fund 1.29 - - - -
icici prudentail fund 2.27 - - - -
tata mutual fund 1.14 - - - -

Ratings & Research Reports

Company Presentations

Company News

City Union Bank opens new branch in Haryana 8 Nov, 4:42 PM City Union Bank informs about earnings call transcript 28 Oct, 12:49 PM City Union Bank informs about newspaper advertisement 22 Oct, 5:03 PM City Union Bank - Quaterly Results 21 Oct, 3:45 PM City Union Bank - Quaterly Results 21 Oct, 3:45 PM City Union Bank - Quaterly Results 21 Oct, 3:45 PM City Union Bank informs about loss of share certificates 19 Oct, 3:22 PM City Union Bank expands footprint with opening of three new branches 8 Oct, 11:30 AM City Union Bank informs about certificate 4 Oct, 4:59 PM City Union Bank - Quaterly Results 26 Jul, 4:53 PM City Union Bank - Quaterly Results 26 Jul, 4:53 PM City Union Bank - Quaterly Results 26 Jul, 4:53 PM City Union Bank informs about disclosure 4 Jul, 9:43 AM City Union Bank - Quaterly Results 20 May, 6:17 PM City Union Bank - Quaterly Results 20 May, 6:17 PM City Union Bank - Quaterly Results 20 May, 6:17 PM City Union Bank informs about compliances-certificate 16 Apr, 4:38 PM City Union Bank informs about compliances-certificate 2 Apr, 2:19 PM City Union Bank informs about allotment of equity shares 27 Feb, 3:01 PM City Union Bank - Quaterly Results 1 Feb, 4:51 PM City Union Bank - Quaterly Results 1 Feb, 4:51 PM City Union Bank - Quaterly Results 1 Feb, 4:51 PM City Union Bank informs about analyst meet 23 Jan, 5:24 PM City Union Bank informs about board meeting 22 Jan, 1:31 PM City Union Bank informs about board meeting 22 Jan, 12:48 PM City Union Bank informs about earnings conference call 28 Oct, 3:34 PM City Union Bank - Quaterly Results 27 Oct, 5:12 PM City Union Bank - Quaterly Results 27 Oct, 5:12 PM City Union Bank - Quaterly Results 27 Oct, 5:12 PM City Union Bank informs about details of loss of certificate 21 Oct, 3:26 PM City Union Bank informs about conference call 21 Oct, 2:40 PM City Union Bank submits board meeting intimation 16 Oct, 5:07 PM RBI allows HDFC AMC to acquire up to 9.5% stake in City Union Bank 21 Sep, 3:50 PM City Union Bank informs about proceedings of AGM 24 Aug, 1:03 PM City Union Bank - Quaterly Results 11 Aug, 4:54 PM City Union Bank - Quaterly Results 11 Aug, 4:54 PM City Union Bank - Quaterly Results 11 Aug, 4:54 PM City Union Bank enters into agreement with Boston Consulting Group 31 Jul, 10:07 AM City Union Bank gets nod to raise Rs 500 crore through QIP 27 Jun, 10:11 AM City Union Bank reports marginal rise in Q4 net profit 27 May, 11:14 AM City Union Bank - Quaterly Results 26 May, 5:25 PM City Union Bank - Quaterly Results 26 May, 5:25 PM City Union Bank - Quaterly Results 26 May, 5:25 PM City Union Bank introduces voice biometric authentication for mobile banking 13 Apr, 4:14 PM City Union Bank reports 9.87% rise in total deposits during Q4FY23 5 Apr, 5:55 PM City Union Bank informs about transcript of earnings call 18 Feb, 11:01 AM City Union Bank reports 11% rise in Q3 net profit 13 Feb, 10:38 AM City Union Bank - Quaterly Results 11 Feb, 4:51 PM City Union Bank - Quaterly Results 11 Feb, 4:51 PM City Union Bank - Quaterly Results 11 Feb, 4:51 PM

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.

City Union Bank stock price today is Rs 172.27. 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 5270.5652 Cr. revenue in the latest financial year. City Union Bank has posted decent revenue growth of 8.4271159159586 % in last 3 Years.

  • In terms of advances, City Union Bank reported 5.7426 % YOY,  rise . If you see 3 years advance growth, it stands at 7.98203075285082 %.

  • Currently, City Union Bank has a CASA ratio of 30.6345 %. It’s overall cost of liability stands at 5.2121 %. Also, the total deposits of City Union Bank from these accounts stood at Rs 55656.6411 Cr.

  • City Union Bank has a healthy ROA track record. The ROA of City Union Bank is at 1.4783 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.99 % and 1.97 % 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 negative at -55.3473848555816 % which means it has decreased 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 741.6552 Cr.

  • City Union Bank has a Good Capital Adequacy Ratio of 23.73 .

  • 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 1.4347 . The historical average PB of City Union Bank was 1.53316095933058.

  • Share Price: - The current share price of City Union Bank is Rs 172.27. One can use valuation calculators of ticker to know if City Union Bank share price is undervalued or overvalued.

Last Updated on:
Brief about City Union Bank

City Union Bank Ltd Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis 

 

Welcome to the stock analysis page of City Union Bank Ltd, your go-to resource for comprehensive analysis of this company's stock. As a premier platform catering to the needs of the best long-term stock investors, we provide in-depth insights into various aspects of City Union Bank Ltd. In this section, you will find information about the company's share price, balance sheet, annual reports, dividends, quarterly results, stock price charts, news updates, conference call transcripts, investor presentations, as well as details about the promoters and shareholders.

City Union Bank Ltd Share Price

Stay updated with the latest share price of City Union Bank Ltd using our real-time data. As a leading stock analysis platform, we provide a seamless interface to monitor the fluctuations in the company's share price, enabling you to make well-informed investment decisions based on timely information. Keep an eye on the market trends and dynamics surrounding City Union Bank Ltd to strategize your investment approach effectively.

City Union Bank Ltd Balance Sheet

Evaluate the balance sheet of City Union Bank Ltd to gain insights into the company's financial position. Ticker platform offers premium features such as DCF (Discounted Cash Flow) Analysis, BVPS (Book Value per Share) Analysis, Earnings Multiple Approach, and DuPont Analysis to calculate the fair value of the company's stock. Leverage these powerful tools to analyze the balance sheet and gauge the financial health of City Union Bank Ltd, assisting you in making informed investment decisions.

City Union Bank Ltd Annual Reports

Access the downloadable annual reports of City Union Bank Ltd on ticker platform. These reports provide extensive information about the company's performance, strategies, and future plans. Analyze the annual reports to assess City Union Bank Ltd's growth prospects, industry position, and competitive advantage. Gain valuable insights into the company's financials and development strategies through ticker user-friendly interface.

City Union Bank Ltd Dividends

Stay informed about the dividends offered by City Union Bank Ltd to its shareholders. Ticker provides up-to-date historical dividend information and tracks dividend trends over time. Utilize ticker pre-built screening tools to monitor dividend patterns, forecast future dividend payments, and assess the company's ability to generate consistent dividend income. Making informed decisions about dividend investing becomes easier with our comprehensive dividend analysis tools.

City Union Bank Ltd Quarterly Results

Keep track of the quarterly results of City Union Bank Ltd to gain insights into the company's financial performance on a short-term basis. Access downloadable versions of these results on our platform. Ticker premium features, including DCF Analysis, BVPS Analysis, Earnings Multiple Approach, and DuPont Analysis, help evaluate key financial metrics. Analyzing quarterly results can provide valuable information about City Union Bank Ltd's profitability, operational efficiency, and overall performance, aiding you in making informed investment decisions.

City Union Bank Ltd Stock Price Charts

Visualize the historical movements of City Union Bank Ltd's stock price through our comprehensive stock price charts. Ticker user-friendly interface allows you to identify price trends, patterns, and potential entry or exit points for your investment strategy. Stay updated on the latest price movements, high and low points, as well as trading volumes to make more informed decisions about City Union Bank Ltd's stock.

City Union Bank Ltd News Updates

Stay informed about the latest news and updates regarding City Union Bank Ltd. Ticker provides curated news articles and press releases, ensuring you have access to the most relevant and timely information. Stay up to date with market developments, regulatory changes, and company-specific news that could impact your investment decisions. Ticker news section assists you in staying on top of the latest updates surrounding City Union Bank Ltd.

City Union Bank Ltd Conference Call Transcripts

Gain valuable insights from the conference call transcripts of City Union Bank Ltd. These transcripts provide a detailed record of discussions held during the company's conference calls, offering insights into the management's strategies, outlook, and future plans. Studying these transcripts allows you to develop a deeper understanding of the company and make more informed decisions about your investments. Access these transcripts easily on ticker platform.

City Union Bank Ltd Investor Presentations

City Union Bank Ltd conducts investor presentations to provide a comprehensive overview of its business operations, financial performance, and growth strategies. Access these presentations on ticker platform to gain deeper insights into the company's prospects and investment potential. Stay updated on the company's key revenue drivers, expansion plans, and future initiatives through these informative presentations. Ticker allows you to access the most recent investor presentations conveniently.

City Union Bank Ltd Promoters

Learn more about the promoters of City Union Bank Ltd, who play a crucial role in shaping the company's direction and success. Ticker offers detailed information about the promoters, including their backgrounds, expertise, and track records. Evaluating the influence and credibility of the promoters can provide valuable insights for your investment analysis. Understand the influence of the promoters on the company's performance and future prospects by exploring this section of our platform.

City Union Bank Ltd Shareholders

Understand the ownership structure of City Union Bank Ltd and gain insights into its major shareholders. Analyzing the stability, decision-making processes, and overall governance of the company through understanding the shareholders can help in evaluating the company's future prospects. Stay updated on any changes in the major shareholders and their impact on the company's direction and performance. Explore this section of ticker platform for a comprehensive understanding of City Union Bank Ltd's shareholder base.

City Union Bank Ltd ROCE

Return on Capital Employed (ROCE) is a vital metric for evaluating City Union Bank Ltd's profitability and capital efficiency. Investors can assess the company's ability to generate profits from its capital investments by accessing the ROCE data in the financials table or ratio section above.

City Union Bank Ltd EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is a key indicator of City Union Bank Ltd's operational performance and cash flow generation. By excluding interest, taxes, and non-cash expenses like depreciation and amortization, EBITDA provides insights into the company's core profitability. The EBITDA data for City Union Bank Ltd can be found in the financials table or ratio section above.

City Union Bank Ltd DPS

Dividends Per Share (DPS) offers insight into income-seeking investors' dividends paid out by City Union Bank Ltd in relation to its share count. The DPS data for City Union Bank Ltd can be accessed in the financials table or ratio section above, providing an overview of the company's dividend payment history and dividend yield.

City Union Bank Ltd EPS

Earnings Per Share (EPS) is a widely-used financial metric estimating City Union Bank Ltd's profitability on a per-share basis. By dividing the net income by the number of outstanding shares, EPS offers insights into the company's earnings potential and growth trajectory. Visitors can refer to the EPS data for City Union Bank Ltd in the financials table or ratio section above to understand the company's financial performance in terms of earnings generated for shareholders on a per-share basis.

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