City Union Bank
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City Union Bank share price

City Union Bank Ltd.

NSE: CUB BSE: 532210 SECTOR: Bank - Private  114k   430   89

154.00
-0.35 (-0.23%)
BSE: 19 Apr 04:01 PM

Price Summary

Today's High

₹ 155.35

Today's Low

₹ 149.3

52 Week High

₹ 167.65

52 Week Low

₹ 119.5

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

₹ 11406.35 Cr.

CASA %

29.88

No. of Shares

74.07 Cr.

P/E

11.65

P/B

1.4

Face Value

₹ 1

Div. Yield

0.65 %

Book Value (TTM)

₹  109.96

Net Interest Income

₹ 2162.8 Cr.

Cost To Income %

38.85

Promoter Holding

0 %

EPS (TTM)

₹  13.22

CAR %

22.34

ROE

13.35 %

ROCE

12.05%

Profit Growth

23.33 %

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* 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 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year13.35%
3 Year12.08%
5 Year12.16%

ROA%

1 Year1.46%
3 Year1.31%
5 Year1.31%

Net NPA%

1 Year2.36%
3 Year3.13%
5 Year2.7%

 NIM

1 Year3.38%
3 Year3.39%
5 Year3.48%

CAR %

22.34

Cost of Liabilities %

4.46964720807875

PEG Ratio

0.5

Advances Growth %

6.67735327972632

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 0 0
Dec 2023 0 0
Sep 2023 0 0
Jun 2023 0 0
Mar 2023 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.31260751091768% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.0763638905326%.
  • The company has been consistently maintaining a NIM of 3.39471073200134% since last 3 years.
  • Good Capital Adequacy Ratio of 22.34%.
  • The company has delivered good Profit growth of 25.320568154487% over the past 3 years.

 Limitations

  • CASA Growth of -2.6825814168464% YoY, which is very low.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.13333333333333%.
  • The company has delivered poor Income growth of 4.18611913565383% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 1205.64 1228.07 1266.17 1304.05 1326.24
Other Income 224.33 195.02 191.48 182.07 192.88
Interest Expended 649.91 713.81 743.62 765.62 810.31
Operating Expenses 282.72 292.23 299.76 333.88 344.77
Total Provisions 224.5 159 152 56 46
Profit Before Tax 272.84 258.04 262.27 330.61 318.03
Tax 55 40 35 50 65
Net Profit 217.84 218.04 227.27 280.61 253.03
Net NPA % 2.67 2.36 2.51 2.34 2.19
Gross NPA % 4.62 4.37 4.91 4.66 4.47
Return on Assets % 1.34 1.33 1.4 1.69 1.49
NPM % 18.07 17.75 17.95 21.52 19.08

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 3767.17 4168.6 4134.68 4104.78 4714.34
Other Income 514.39 679.95 688.77 759.08 810.36
Interest Expended 2155.68 2493.41 2305.02 2188.29 2551.54
Operating Expenses 885.89 1013.74 1050.59 1080.26 1155.18
Total Provisions 315.14 755.08 775.02 610.15 640.5
Profit Before Tax 924.85 586.32 692.82 985.17 1177.48
Taxes 242 110 100 225 240
Net Profit 682.85 476.32 592.82 760.17 937.48
Adjusted EPS (Rs.) 9.3 6.46 8.02 10.28 12.66

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 73.45 73.73 73.88 73.96 74.04
Total Reserves 4767.31 5222.34 5768.59 6511.75 7383.17
Deposits 38447.95 40832.49 44537.36 47689.67 52397.86
Borrowings 480.91 2032.4 1345.7 5311.82 4688.09
Other Liabilities 1489.27 1572.57 1586.15 1943.72 2051.4
Total Liabilities 45258.89 49733.53 53311.68 61530.91 66594.56
Assets
Balance with RBI 1993.12 2030.37 2792.71 2965.1 3302.36
Balance with Banks 970.16 2691.28 2822.35 3721.83 3346.92
Investments 7712.2 9116.79 9435.94 12221.22 14332.63
Advances 32673.34 33927.45 36157.83 40358.47 43053.35
Net Block 250.03 245.16 232.69 214.65 239.33
Other Assets 1660.03 1722.49 1870.16 2049.64 2319.99
Total Assets 45258.89 49733.53 53311.68 61530.91 66594.56
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 100.00 100.00 100.00 100.00 100.00
axis mutual fund 3.22 2.44 2.42 2.42 2.43
bank muscat india fund 1.22 1.22 1.22 1.22 1.22
canara robeco mutual fund... 2.87 2.82 1.88 1.23 1.23
franklin templeton mutual... 2.57 3.31 3.61 3.78 2.58
frnaklin templeton invest... - - - - 1.29
hdfc life insurance compa... 2.06 2.04 2.04 2.04 2.04
hdfc mutual fund 4.47 4.53 4.54 3.74 3.75
icici prudential fund 2.45 2.24 - 1.72 2.20
investor education and pr... - 0.34 0.34 - 0.37
kotak funds india midcap ... 1.44 1.03 1.03 2.29 2.17
lic of india - - - - 1.35
llp - 0.20 0.24 0.17 0.24
sbi mutual fund 3.94 4.29 4.41 6.80 7.57
small cap world funds - - - - 4.94
state of wisconsin invest... - 1.18 1.03 1.29 1.35
uti mutual fund 1.43 1.61 1.66 1.39 1.33
vilasini vaidyanathan 2.04 2.04 2.04 2.04 2.04
visalam g 2.04 2.04 2.04 2.04 2.04
franklin templeton invest... - - 1.01 1.19 -
investor education and pr... 0.32 - - 0.37 -
kotak mutual fund 1.75 1.85 1.89 1.68 -
life insurance corporatio... 1.35 1.35 1.35 1.35 -
small cap world fund inc 4.94 4.94 4.94 4.94 -
sriram v huf - - 1.23 1.23 -
edelweiss mutual fund 1.08 - 1.29 - -
icici prudentail fund - - 2.27 - -
tata mutual fund - - 1.14 - -
hsbc mutual fund 1.35 - - - -
pioneer investment fund 1.58 - - - -
sriram v 1.23 - - - -
state wisconsin investmen... 1.15 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

City Union Bank informs about compliances-certificate16 Apr 2024, 4:38PM City Union Bank informs about compliances-certificate 2 Apr 2024, 2:19PM City Union Bank informs about allotment of equity shares27 Feb 2024, 3:01PM City Union Bank - Quaterly Results1 Feb 2024, 4:51PM City Union Bank - Quaterly Results1 Feb 2024, 4:51PM City Union Bank - Quaterly Results1 Feb 2024, 4:51PM City Union Bank informs about analyst meet23 Jan 2024, 5:24PM City Union Bank informs about board meeting22 Jan 2024, 1:31PM City Union Bank informs about board meeting22 Jan 2024, 12:48PM City Union Bank informs about earnings conference call28 Oct 2023, 3:34PM City Union Bank - Quaterly Results27 Oct 2023, 5:12PM City Union Bank - Quaterly Results27 Oct 2023, 5:12PM City Union Bank - Quaterly Results27 Oct 2023, 5:12PM City Union Bank informs about details of loss of certificate21 Oct 2023, 3:26PM City Union Bank informs about conference call21 Oct 2023, 2:40PM City Union Bank submits board meeting intimation 16 Oct 2023, 5:07PM RBI allows HDFC AMC to acquire up to 9.5% stake in City Union Bank 21 Sep 2023, 3:50PM City Union Bank informs about proceedings of AGM 24 Aug 2023, 1:03PM City Union Bank - Quaterly Results11 Aug 2023, 4:54PM City Union Bank - Quaterly Results11 Aug 2023, 4:54PM City Union Bank - Quaterly Results11 Aug 2023, 4:54PM City Union Bank enters into agreement with Boston Consulting Group31 Jul 2023, 10:07AM City Union Bank gets nod to raise Rs 500 crore through QIP27 Jun 2023, 10:11AM City Union Bank reports marginal rise in Q4 net profit27 May 2023, 11:14AM City Union Bank - Quaterly Results26 May 2023, 5:25PM City Union Bank - Quaterly Results26 May 2023, 5:25PM City Union Bank - Quaterly Results26 May 2023, 5:25PM City Union Bank introduces voice biometric authentication for mobile banking13 Apr 2023, 4:14PM City Union Bank reports 9.87% rise in total deposits during Q4FY235 Apr 2023, 5:55PM City Union Bank informs about transcript of earnings call18 Feb 2023, 11:01AM City Union Bank reports 11% rise in Q3 net profit13 Feb 2023, 10:38AM City Union Bank - Quaterly Results11 Feb 2023, 4:51PM City Union Bank - Quaterly Results11 Feb 2023, 4:51PM City Union Bank - Quaterly Results11 Feb 2023, 4:51PM City Union Bank informs about e-voting results 31 Jan 2023, 4:58PM City Union Bank opens 19 new branches30 Dec 2022, 11:09AM City Union Bank opens 5 new branches in Tamil nadu12 Dec 2022, 6:17PM City Union Bank submits newspaper advertisement5 Nov 2022, 3:29PM City Union Bank - Quaterly Results4 Nov 2022, 4:10PM City Union Bank - Quaterly Results4 Nov 2022, 4:10PM City Union Bank - Quaterly Results4 Nov 2022, 4:10PM City Union Bank informs about issue of duplicate certificate21 Oct 2022, 4:30PM City Union Bank informs about loss of share certificate13 Oct 2022, 4:48PM City Union Bank reports 30% rise in Q1 net profit9 Aug 2022, 11:01AM City Union Bank - Quaterly Results8 Aug 2022, 4:28PM City Union Bank - Quaterly Results8 Aug 2022, 4:28PM City Union Bank - Quaterly Results8 Aug 2022, 4:28PM City Union Bank partners with Aditya Birla Health Insurance27 Jul 2022, 2:30PM City Union Bank inks agreement with Royal Sundaram General Insurance27 Jul 2022, 12:00PM City Union Bank enters into strategic partnership with Bajaj Allianz Life Insurance 13 Jul 2022, 10:12AM

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 4714.3371 Cr. revenue in the latest financial year. City Union Bank has posted Poor revenue growth of 4.18611913565383 % in last 3 Years.

  • In terms of advances, City Union Bank reported 6.67735327972632 % YOY,  rise . If you see 3 years advance growth, it stands at 8.26429338911929 %.

  • Currently, City Union Bank has a CASA ratio of 29.8807876841072 %. It’s overall cost of liability stands at 4.46964720807875 %. Also, the total deposits of City Union Bank from these accounts stood at Rs 52397.858 Cr.

  • City Union Bank has a healthy ROA track record. The ROA of City Union Bank is at 1.46337718952659 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.37 % and 2.36 % 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 4.9748920708965 % 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 surged and is currently at Rs 810.3593 Cr.

  • City Union Bank has a Good Capital Adequacy Ratio of 22.34 .

  • 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 1.4037 . The historical average PB of City Union Bank was 1.91472655221639.

  • Share Price: - The current share price of City Union Bank is Rs 154.4. 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

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City Union Bank Ltd Balance Sheet

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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

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City Union Bank Ltd Quarterly Results

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City Union Bank Ltd Stock Price Charts

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City Union Bank Ltd News Updates

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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.

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