City Union Bank Ltd

City Union Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

City Union Bank Ltd

₹ 149 0.47%
13 Mar 12:13 p.m.
cityunionbank.com BSE: 532210 NSE: CUB
About

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )

Key Points

Revenue Breakup FY24
Retail Banking - 59%
Treasury - 20%
Corporate/ Wholesale Banking - 20%
Other - 1% [1]

Website BSE NSE
  • Market Cap ₹ 11,070 Cr.
  • Current Price ₹ 149
  • High / Low ₹ 188 / 125
  • Stock P/E 10.1
  • Book Value ₹ 120
  • Dividend Yield 0.99 %
  • ROCE 6.57 %
  • ROE 12.8 %
  • Face Value ₹ 1.00
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    Pros

    • Company has reduced debt.

    Cons

    • Company has low interest coverage ratio.
    • The company has delivered a poor sales growth of 6.95% over past five years.
    • Company has a low return on equity of 12.8% over last 3 years.
    • Contingent liabilities of Rs.8,317 Cr.
    • Company's cost of borrowing seems high

    * The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

    Peer comparison

    Sector: Banks Industry: Banks - Private Sector

    Part of BSE 400 MidSmallCap Index Nifty MidSmallcap 400 BSE SmallCap BSE Allcap Nifty 500

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      Quarterly Results

      Figures in Rs. Crores

      Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
      Revenue 1,035 1,050 1,099 1,181 1,206 1,228 1,266 1,304 1,326 1,374 1,389 1,434 1,479
      Interest 545 549 575 613 650 714 744 766 810 828 843 851 891
      404 435 447 390 507 451 452 390 391 402 403 451 455
      Financing Profit 86 66 78 178 49 63 71 149 125 145 142 132 133
      Financing Margin % 8% 6% 7% 15% 4% 5% 6% 11% 9% 11% 10% 9% 9%
      160 203 218 173 224 195 191 182 193 175 192 226 228
      Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
      Profit before tax 246 269 295 351 273 258 262 331 318 320 334 358 361
      Tax % 20% 22% 24% 21% 20% 16% 13% 15% 20% 20% 21% 20% 21%
      196 209 225 276 218 218 227 281 253 255 264 285 286
      EPS in Rs 2.65 2.83 3.04 3.74 2.94 2.94 3.07 3.79 3.42 3.44 3.57 3.85 3.86
      Gross NPA % 5.21% 4.70% 4.65% 4.36% 4.62% 4.37% 4.91% 4.66% 4.47% 3.99% 3.88% 3.54% 3.36%
      Net NPA % 3.44% 2.95% 2.89% 2.69% 2.67% 2.36% 2.51% 2.34% 2.19% 1.97% 1.87% 1.62% 1.42%
      Raw PDF

      Profit & Loss

      Figures in Rs. Crores

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
      Revenue 2,189 2,546 2,699 2,944 3,174 3,402 3,767 4,169 4,135 4,105 4,714 5,271 5,675
      Interest 1,565 1,787 1,891 1,963 1,975 1,972 2,156 2,493 2,305 2,188 2,552 3,147 3,413
      470 588 655 736 937 1,120 1,140 1,690 1,738 1,605 1,723 1,559 1,711
      Financing Profit 154 171 153 245 262 310 472 -15 92 311 440 564 551
      Financing Margin % 7% 7% 6% 8% 8% 9% 13% -0% 2% 8% 9% 11% 10%
      274 280 415 410 484 532 514 680 689 759 810 742 822
      Depreciation 25 38 47 52 53 52 62 79 87 85 73 75 0
      Profit before tax 403 414 521 603 693 790 925 586 693 985 1,177 1,231 1,373
      Tax % 20% 16% 24% 26% 27% 25% 26% 19% 14% 23% 20% 17%
      322 347 395 445 503 592 683 476 593 760 937 1,016 1,090
      EPS in Rs 4.94 5.29 5.47 6.14 6.91 8.10 9.30 6.46 8.02 10.28 12.66 13.71 14.72
      Dividend Payout % 15% 16% 17% 16% 4% 3% 5% 8% 6% 10% 8% 11%
      Compounded Sales Growth
      10 Years: 8%
      5 Years: 7%
      3 Years: 8%
      TTM: 11%
      Compounded Profit Growth
      10 Years: 11%
      5 Years: 8%
      3 Years: 20%
      TTM: 11%
      Stock Price CAGR
      10 Years: 6%
      5 Years: -5%
      3 Years: 7%
      1 Year: 17%
      Return on Equity
      10 Years: 13%
      5 Years: 12%
      3 Years: 13%
      Last Year: 13%

      Balance Sheet

      Figures in Rs. Crores

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
      Equity Capital 47 54 60 60 60 66 73 74 74 74 74 74 74
      Reserves 1,593 1,971 2,636 2,992 3,510 4,097 4,767 5,222 5,769 6,512 7,383 8,327 8,806
      Deposits 20,345 22,057 24,115 27,158 30,116 32,853 38,448 40,832 44,537 47,690 52,398 55,657 57,369
      437 265 129 665 531 1,736 481 2,032 1,346 5,312 4,688 4,724 2,547
      20,900 22,704 25,047 28,087 31,170 34,038 39,937 42,405 46,124 49,633 54,449 57,700 59,940
      Total Liabilities 22,977 24,994 27,871 31,804 35,271 39,937 45,259 49,734 53,312 61,531 66,595 70,826 71,366
      141 183 210 218 215 223 250 245 233 215 239 270 293
      CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
      Investments 5,267 5,954 5,871 6,826 7,031 7,879 7,712 9,117 9,436 12,221 14,333 15,664 16,453
      17,569 18,857 21,790 24,760 28,024 31,835 37,297 40,372 43,643 49,095 52,023 54,891 54,620
      Total Assets 22,977 24,994 27,871 31,804 35,271 39,937 45,259 49,734 53,312 61,531 66,595 70,826 71,366

      Cash Flows

      Figures in Rs. Crores

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
      618 412 131 248 284 -183 419 1,836 922 1,166 724 436
      -68 -79 -64 -60 -50 -61 -87 -60 -38 -63 -72 -106
      84 76 291 -75 -4 1 -5 -18 10 -31 -690 -36
      Net Cash Flow 634 409 357 113 229 -243 327 1,758 893 1,072 -38 294

      Ratios

      Figures in Rs. Crores

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
      ROE % 22% 19% 16% 15% 15% 15% 15% 9% 11% 12% 13% 13%

      Shareholding Pattern

      Numbers in percentages

      Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
      18.12% 18.16% 21.32% 23.75% 24.95% 25.33% 23.66% 26.60% 26.95% 26.44% 26.01% 27.44%
      41.22% 41.65% 40.14% 37.74% 36.18% 33.12% 33.18% 32.39% 29.50% 32.55% 33.57% 33.59%
      40.66% 40.19% 38.54% 38.53% 38.85% 41.54% 43.15% 41.01% 43.55% 41.00% 40.42% 38.98%
      No. of Shareholders 1,53,3311,47,9991,35,2821,45,0831,48,0271,84,7782,08,8122,16,0192,48,8152,29,9432,34,2222,28,001

      * The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

      Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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