City Union Bank

₹187.3 2.5 | 1.4%

WEBSITE BSE:532210 NSE : CITY UNION 09 Dec, 12:11

Market Cap ₹13879 Cr.

Stock P/E 13.6

P/B 1.6

Current Price ₹187.3

Book Value ₹ 119.8

Face Value 1

52W High ₹187.2

Dividend Yield 0.8%

52W Low ₹ 125.4

Edit Ratio

City Union Bank Research see more...

Overview Inc. Year: 1904Industry: Bank - Private

City Union Bank Ltd is an primarily India-based banking enterprise. The Company's segments comprises Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations. The Company has latest technology and infrastructure along with automatic teller machines (ATMs), internet banking, mobile banking, e-pockets, social media banking for personal, in addition to business banking customers. It serves industries, such as fabric, metal, paper and paper products, meals processing, chemicals, rubber and plastics, engineering, beverage and tobacco, and vehicles. The Company has a network of approximately 702 branches with over 630 branches located in South India and about 72 branches in other states.

City Union Bank Share Price

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Peer Comparison

City Union Bank Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Interest Earned	1099	1181	1206	1228	1266	1304	1326	1374	1389	1434
Other Income	218	173	224	195	191	182	193	175	192	226
Total Income	1317	1355	1430	1423	1458	1486	1519	1549	1581	1660
Interest Expense	575	613	650	714	744	766	810	828	843	851
Operating Expenditure	295	285	283	292	300	334	345	370	364	381
Provisions and contingencies	152	105	225	159	152	56	46	32	39	70
Operating Profit	295	351	273	258	262	331	318	320	334	358
Profit Before Tax	295	351	273	258	262	331	318	320	334	358
Provision for Tax	70	75	55	40	35	50	65	65	70	73
Profit After Tax	225	276	218	218	227	281	253	255	264	285
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	225	276	218	218	227	281	253	255	264	285
Adjusted Earnings Per Share	3	3.7	2.9	2.9	3.1	3.8	3.4	3.4	3.6	3.9

City Union Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	2546	2699	2944	3174	3402	3767	4169	4135	4105	4714	5271	5523
Other Income	280	404	410	484	532	514	680	689	759	810	742	786
Total Income	2826	3103	3354	3658	3935	4282	4849	4823	4864	5525	6012	6309
Interest Expense	1787	1891	1963	1975	1972	2156	2493	2305	2188	2552	3147	3332
Operating Expenditure	458	519	558	689	755	886	1014	1051	1080	1155	1348	1460
Provisions and contingencies	157	183	231	301	418	315	755	775	610	641	286	187
Operating Profit	424	510	603	693	790	925	586	693	985	1177	1231	1330
Profit Before Tax	424	510	603	693	790	925	586	693	985	1177	1231	1330
Provision for Tax	77	126	158	190	198	242	110	100	225	240	215	273
Profit After Tax	347	384	445	503	592	683	476	593	760	937	1016	1057
Adjustments	0	11	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	347	395	445	503	592	683	476	593	760	937	1016	1057
Adjusted Earnings Per Share	5.3	5.3	6.1	6.9	8.1	9.3	6.5	8	10.3	12.7	13.7	14.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	12%	8%	7%	8%
Operating Profit CAGR	5%	21%	6%	11%
PAT CAGR	8%	20%	8%	11%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	20%	9%	-4%	9%
ROE Average	13%	13%	12%	14%
ROCE Average	12%	12%	11%	15%

City Union Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	2025	2696	3052	3570	4163	4841	5296	5842	6586	7457	8401
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	22017	24075	27158	30116	32853	38448	40832	44537	47690	52398	55657
Borrowings	305	169	665	531	1736	481	2032	1346	5312	4688	4724
Other Liabilities & Provisions	647	932	929	1054	1186	1489	1573	1586	1944	2051	2044
Total Liabilities	24994	27871	31804	35271	39937	45259	49734	53312	61531	66595	70826
Cash and balance with RBI	1040	1234	1413	1484	1862	1993	2030	2793	2965	3302	4615
Bank Balance	1140	1303	1238	1395	775	970	2691	2822	3722	3347	2328
Investments	5954	5871	6826	7031	7879	7712	9117	9436	12221	14333	15664
Advances	16097	17966	21057	23833	27853	32673	33927	36158	40358	43053	45526
Fixed Assets	183	210	218	215	223	250	245	233	215	239	270
Other Assets	581	1288	1053	1313	1346	1660	1722	1870	2050	2320	2422
Total Assets	24994	27871	31804	35271	39937	45259	49734	53312	61531	66595	70826

City Union Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	1770	2180	2537	2650	2879	2636	2963	4722	5615	6687	6649
Cash Flow from Operating Activities	412	131	248	284	-183	419	1836	922	1166	724	436
Cash Flow from Investing Activities	-79	-64	-60	-50	-61	-87	-60	-38	-63	-72	-106
Cash Flow from Financing Activities	76	291	-75	-4	1	-5	-18	10	-31	-690	-36
Net Cash Inflow / Outflow	409	357	113	229	-243	327	1758	893	1072	-38	294
Closing Cash & Cash Equivalent	2180	2537	2650	2879	2636	2963	4722	5615	6687	6649	6944

City Union Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	5.29	5.32	6.14	6.91	8.1	9.3	6.46	8.02	10.28	12.66	13.71
CEPS(Rs)	5.86	5.97	6.87	7.64	8.81	10.13	7.53	9.21	11.43	13.65	14.73
DPS(Rs)	1	1.1	1.2	0.3	0.3	0.5	0.5	0.3	1	1	1.5
Book NAV/Share(Rs)	30.83	37.34	42.17	49.09	56.94	65.91	71.83	79.08	89.05	100.72	113.43
Yield on Advances	15.82	15.02	13.98	13.32	12.22	11.53	12.29	11.44	10.17	10.95	11.58
Yield on Investments	7.74	9.42	8.59	9.19	7.83	7.6	8.44	8.65	5.67	5.88	6.33
Cost of Liabilities	8	7.8	7.06	6.44	5.7	5.54	5.82	5.02	4.13	4.47	5.21
NIM (Net Interest Margin)	3.13	3.06	3.21	3.55	3.73	3.72	3.51	3.57	3.23	3.38	3.12
Interest Spread	7.81	7.22	6.93	6.87	6.51	5.99	6.47	6.41	6.04	6.48	6.37
ROA(%)	1.45	1.45	1.49	1.5	1.57	1.6	1	1.15	1.32	1.46	1.48
ROE(%)	18.94	16.28	15.47	15.18	15.31	15.17	9.4	10.64	12.23	13.35	12.81
ROCE(%)	21.45	21.12	19.54	18.57	16.7	17.34	10.16	10.51	11.04	12.05	11.7
PER(x)	8.41	15.01	12.75	18.08	19.38	21.96	20.07	19.43	12.56	9.94	9.85
Price/Book(x)	1.44	2.14	1.86	2.55	2.76	3.1	1.8	1.97	1.45	1.25	1.19
Dividend Yield(%)	1.86	1.14	1.27	0.2	0.17	0.24	0.39	0.19	0.77	0.79	1.11
EV/Net Sales(x)	1.27	2.2	2.15	3.03	3.88	4.11	2.78	3.11	3.62	2.97	2.79
EV/Core EBITDA(x)	5.55	8.57	7.6	9.68	10.94	12.48	8.64	8.76	9.31	7.7	9.71
Interest Earned Growth(%)	16.32	6.01	9.09	7.8	7.2	10.72	10.66	-0.81	-0.72	14.85	11.8
Net Profit Growth	7.78	10.68	15.77	13.06	17.75	15.35	-30.25	24.46	28.23	23.33	8.35
Advances Growth	5.58	11.61	17.21	13.18	16.87	17.31	3.84	6.57	11.62	6.68	5.74
EPS Growth(%)	-5.78	0.69	15.45	12.52	17.12	14.83	-30.51	24.21	28.1	23.19	8.31
Loans/Deposits(x)	1.39	0.7	2.45	1.76	5.28	1.25	4.98	3.02	11.14	8.95	8.49
Cash/Deposits(x)	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.06	0.06	0.06	0.08
Current Ratio(x)	0.27	0.24	0.25	0.23	0.24	0.2	0.22	0.21	0.26	0.27	0.28
Quick Ratio(x)	1.39	0.7	2.45	1.76	5.28	1.25	4.98	3.02	11.14	8.95	8.49
CASA %	17.79	19.23	20.37	23.37	24.22	25.22	24.97	29.15	32.56	29.88	30.63

City Union Bank Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	18.16	21.32	23.74	24.95	25.33	23.66	26.6	26.96	26.44	26.01
DII	41.64	40.14	37.73	36.19	33.13	33.19	32.4	29.5	32.57	33.56
Public	40.19	38.54	38.52	38.86	41.54	43.15	41.01	43.54	40.99	40.43
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

Pros

Cons

Promoter holding is low: 0%.
Company has a low return on equity of 13% over the last 3 years.
The company has delivered a poor profit growth of 8% over past five years.

* 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.

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Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	13.43	15.77	17.57	18.48	18.76	17.52	19.7	19.96	19.58	19.26
DII	30.8	29.69	27.93	26.8	24.53	24.58	23.99	21.85	24.12	24.86
Public	29.73	28.51	28.51	28.77	30.76	31.95	30.37	32.25	30.36	29.94
Others	0	0	0	0	0	0	0	0	0	0
Total	73.96	73.96	74.01	74.04	74.04	74.04	74.06	74.07	74.07	74.07

City Union Bank

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City Union Bank Research see more...

Overview Inc. Year: 1904Industry: Bank - Private

City Union Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

City Union Bank Quarterly Results

City Union Bank Profit & Loss

Growth Rates

City Union Bank Balance Sheet

City Union Bank Cash Flow

City Union Bank Ratios

City Union Bank Shareholding Pattern

City Union Bank News

Top Unlisted Companies & InstaBuy Companies

IPO

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