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BSE: 532210 | NSE: CUB | Bank - Private | Mid Cap
1. Is City Union Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that City Union Bank Ltd is a average quality company.
2. Is City Union Bank Ltd undervalued or overvalued?
The key valuation ratios of City Union Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is City Union Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of City Union Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 500 | 624 | 759 | 807 | 981 | 1,199 | 1,430 | 1,611 | 1,675 | 1,830 | 1,844 | |
| YoY Gr. Rt. % | - | 24.9% | 21.7% | 6.3% | 21.5% | 22.2% | 19.3% | 12.7% | 4% | 9.2% | - | |
| Total Income | 1,904 | 2,462 | 2,826 | 3,103 | 3,354 | 3,658 | 3,935 | 4,282 | 4,849 | 4,839 | 4,735 | |
| YoY Gr. Rt. % | - | 29.3% | 14.8% | 9.8% | 8.1% | 9.1% | 7.6% | 8.8% | 13.2% | -0.2% | - | |
| Adj EPS (₹ ) | 4.9 | 5.6 | 5.3 | 5.3 | 6.1 | 6.9 | 8.1 | 9.3 | 6.5 | 8 | 9 | |
| YoY Gr. Rt. % | - | 14.3% | -5.7% | 0.6% | 15.4% | 12.5% | 17.2% | 14.8% | -30.5% | 24.2% | - | |
| BVPS (₹ ) | 21.8 | 28.6 | 30.8 | 37.3 | 42.2 | 49.1 | 56.9 | 65.9 | 71.8 | 79.1 | 86.1 | |
| YoY 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 (%) | 1.7 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.6 | 1.6 | 1 | 1.2 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0.4 | 0.6 | 1.2 | 1.3 | 1.5 | 1.7 | 1.7 | 1.8 | 2.3 | 4.1 | 3.4 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 15.5% | 13.3% | 8.6% | 9.2% | ||||||||
| Total Income | 10.9% | 7.6% | 7.1% | -0.2% | ||||||||
| Adj EPS | 5.6% | 5.5% | -0.3% | 24.2% | ||||||||
| BVPS | 15.4% | 13.4% | 11.6% | 10.1% | ||||||||
| Share Price | 13.9% | -1.9% | -16.3% | -28% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | |
| Interest Earned / Total Income | 89.12 | 88.89 | 90.1 | 86.98 | 87.78 | 86.77 | 86.48 | 87.99 | 85.98 | 85.44 | 85.1 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.8 | 2.8 | 3.1 | 3.1 | 3.2 | 3.6 | 3.7 | 3.7 | 3.5 | 3.6 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 24.9 | 22.3 | 18.9 | 16.3 | 15.5 | 15.2 | 15.3 | 15.2 | 9.4 | 10.6 | 7.9 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 18.2 | 16.8 | 17.8 | 19.2 | 20.4 | 23.4 | 24.2 | 25.2 | 25 | 29.2 | - | |
Total Income has increased 7.14 CAGR in last 3 years
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 10.90%
Net Profit has declined -0.33 CAGR in last 3 years
Net NPA to Net Advances has increased in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 9 | - |
| TTM Sales (₹ Cr.) | 4,031 | - |
| BVPS (₹.) ⓘ | 86.1 | - |
| Reserves (₹ Cr.) ⓘ | 6,292 | - |
| P/BV ⓘ | 1.45 | - |
| PE ⓘ | 13.95 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 108.60 / 183.65 |
| All Time Low / High (₹) | 0.73 / 249.00 |
| Market Cap (₹ Cr.) | 9,241 |
| Equity (₹ Cr.) | 74 |
| Face Value (₹) | 1 |
| Industry PE ⓘ | 21.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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
Recognition & Awards
2011-12:
2013 -14:
2014-15:
2015-16:
2016-17:
2017-18:
