What is CAGR? What does CAGR table indicate for City Union Bank Ltd?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

City Union Bank Ltd Stock Analysis

Q: Is City Union Bank Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of City Union Bank Ltd and arrived at the following conclusion.

Q: Is the current market price of City Union Bank Ltd a good price to buy it?

The 5-year analysis of City Union Bank Ltd's performance infers.

Q: What is City Union Bank Ltd share price return in the past 10 years?

We analysed the performance of City Union Bank Ltd share prices over the last 10 years. Here is what we found out:

Mid Cap

Evaluated by 5047 users | BSE: 532210 | NSE: CUB |
Bank - Private

Decision Maker

Standalone basis

The valuation guidance of this company is based on Standalone basis.

1. Right Stock

2. Right Price

Price Chart

3. Right Time

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Net Interest Income (Rs. Cr.)	420	500	624	759	807	981	1,199	1,430	1,611	1,675
Y-o-Y Gr. Rt.33	-	19%	24.9%	21.7%	6.3%	21.5%	22.2%	19.3%	12.7%	4%
Total Income	1,376	1,904	2,462	2,826	3,103	3,354	3,658	3,935	4,282	4,849
Y-o-Y Gr. Rt.	-	38.4%	29.3%	14.8%	9.8%	8.1%	9.1%	7.6%	8.8%	13.2%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	3.8	4.91	5.61	5.29	5.32	6.14	6.91	8.1	9.3	6.46
Y-o-Y Gr. Rt.	-	29.2%	14.3%	-5.7%	0.6%	15.4%	12.5%	17.2%	14.8%	-30.5%
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	17.77	21.78	28.58	30.83	37.34	42.17	49.09	56.94	65.91	71.83
Y-o-Y Gr. Rt.	-	22.6%	31.2%	7.9%	21.1%	12.9%	16.4%	16%	15.8%	9%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

1.64

1.7

1.56

1.45

1.49

1.5

1.57

1.6

To view Net NPA to Net Advances (%) Colour Rating Guide click here

Net NPA to Net Advances (%)

0.52

0.44

0.63

1.23

1.3

1.53

1.71

1.7

1.81

2.29

To view Capital Adequacy Ratio Colour Rating Guide click here

Capital Adequacy Ratio

Difference between Standalone Basis and Consolidated basis? Which method is preferred for City Union Bank Ltd. ?

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 Income	16.6%	15.7%	11.8%	4%
Total Income	15%	9.3%	9.9%	13.2%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	6.1%	4%	-2.2%	-30.5%
Book Value per Share	16.8%	14%	13.5%	9%
Share Price	19.2%	15.5%	-1.2%	22.9%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Interest Earned / Total Income	88.56	89.12	88.89	90.1	86.98	87.78	86.77	86.48	87.99	85.98
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 (%)	2.97	2.8	2.8	3.13	3.06	3.21	3.55	3.73	3.72	3.51
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 (%)	23.47	24.91	22.33	18.94	16.28	15.47	15.18	15.31	15.17	9.4
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 (%)	19.58	18.19	16.77	17.79	19.23	20.37	23.37	24.22	25.22	24.97

Management X-Ray

Corporate Governance What do we look at?

Corporate Governance

Board Credentials

Promoter's holding

Transparency

Integrity

Shareholding Pattern

Entity	Percentage Holding
Institutions	57.11%
Non-Institutions	42.89%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

FAQs

1. Is City Union Bank Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of City Union Bank Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that City Union Bank Ltd is a good quality company. However, for specific investment actions please connect with your investment advisor.

2. Is current market price of City Union Bank Ltd a good price to buy it?

The 5-year analysis of City Union Bank Ltd's performance infers:

City Union Bank Ltd earnings have grown by 4%, whereas share price has appreciated 15.5% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

3. What is City Union Bank Ltd share price return in the past 10 years ?

We analysed the performance of City Union Bank Ltd share prices over the last 10 years. Here is what we found out:

City Union Bank Ltd share price has appreciated 18.2% annually over the past ten years.

About Company

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,

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: