Live Webinar on "How to Invest successfully to reach goals without losing sleep" Sign up for Live Webinar
investing succesffuly to reach your goals investing succesffuly to reach your goals
X

City Union Bank Ltd Stock Analysis

Mid Cap
Evaluated by 5143 users | BSE: 532210 | NSE: CUB |
Bank - Private

City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built...

1. Right Stock
Very Good
2. Right Price
3. Right Time

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
City Union Bank Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
 Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Net Interest Income (Rs. Cr.)5006247598079811,1991,4301,6111,6751,8301,840
Y-o-Y Gr. Rt.-24.9%21.7%6.3%21.5%22.2%19.3%12.7%4%9.2%-
Total Income1,9042,4622,8263,1033,3543,6583,9354,2824,8494,8394,823
Y-o-Y Gr. Rt.-29.3%14.8%9.8%8.1%9.1%7.6%8.8%13.2%-0.2%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
4.915.615.295.326.146.918.19.36.468.028.28
Y-o-Y Gr. Rt.-14.3%-5.7%0.6%15.4%12.5%17.2%14.8%-30.5%24.2%-
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
21.7828.5830.8337.3442.1749.0956.9465.9171.8379.0881.42
Y-o-Y Gr. Rt.-31.2%7.9%21.1%12.9%16.4%16%15.8%9%10.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.71.561.451.451.491.51.571.611.15-
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.440.631.231.31.531.711.71.812.294.093.49
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
City Union Bank Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income15.5%13.3%8.6%9.2%
Total Income10.9%7.6%7.1%-0.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
5.6%5.5%-0.3%24.2%
Book Value per Share
15.4%13.4%11.6%10.1%
Share Price 17.2% 7% -5.6% 7.8%
Key Financial Ratios
RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Interest Earned / Total Income89.1288.8990.186.9887.7886.7786.4887.9985.9885.4484.66
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.82.83.133.063.213.553.733.723.513.570
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)24.9122.3318.9416.2815.4715.1815.3115.179.410.646.42
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 18.1916.7717.7919.2320.3723.3724.2225.2224.9729.15-
Loading price chart...
Corporate Governance What do we look at?
Corporate Governance
Board Credentials
Promoter's holding
Transparency
Integrity
Entity Percentage Holding
Institutions 58.80%
Non-Institutions 41.20%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Past 10 year's financial track record analysis by Moneyworks4me indicates that City Union Bank Ltd is a good quality company.

City Union Bank Ltd's earnings have grown by 5.5%, whereas share price has appreciated 7% CAGR over the past five years, indicating the company’s share price is likely overvalued. However, for specific investment actions please consult your investment advisor.

City Union Bank Ltd share price has appreciated 17% annually (CAGR) over the past ten years.

Past 10 years financial track record analysis and assessment of future prospects by Moneyworks4me indicates that City Union Bank Ltd is a good long term investment. However, you need to ensure you buy at a right price to earn good returns.

City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta District Thanjavur. The first Branch of the Bank was opened at Mannargudi on January 24, 1930.  Thereafter, branches were opened at Nagapattinam, Sannanallur,

City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta District Thanjavur. The first Branch of the Bank was opened at Mannargudi on January 24, 1930.  Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years. 

Business area of the Bank

The Bank operates under four Business Segments namely Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations.

Products and services

  • Personal Banking
  • MSME
  • Corporate Banking
  • Agri & Rural
  • NRI services
  • Tech Banking
  • Academic Institutions

Recognition & Awards

2011-12:

  • Sir Vishvesvaraya Industraial Awards & (TNSB) Innovation Awards 2011 - 2012
  • Industrial Economist Excellence Award - 2012
  • Best Mid-Sized Bank on Profitability and Efficiency - Business Today Survey - 2012

2013 -14:

  • Financial Express India's Best Banks Awards for 2013 - 2014 (Winner) in the category of Old Private Sector Bank
  • National payments Excellence Awards for 2013 - 2014 (Runner Up) in the Small Banks Category
  • City Union Bank has been awarded by NPCI for Valuable contribution in CTS Implementation in Chennai 2013 -2014

2014-15:

  • Financial Express India's Best Banks Awards for 2014 - 2015 (Winner)  in the category of Strength & Soundness

2015-16:

  • Financial Express India's Best Banks Awards for 2015 - 2016 (Winner) in the category of Top Old Private Sector Bank for Performance
  • Best Small-sized Bank in Businessworld Best Banks Survey 2015 - 2016

2016-17:

  • Best Bank Award for Cyber security and Defense in the category of Small Banks for 2016 - 2017

2017-18:

  • NPCI Awards for Excellent Performance in Rupay for 2017 - 2018
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

Callback