City Union Bank Ltd Stock Analysis

BSE: 532210 | NSE: CUB | Bank - Private | Mid Cap

BSE Share Price 23-Sep-2022 18:01
176.20 -3.45 (-1.92%)

DeciZen - Make an Informed Decision on City Union Bank

Overall Rating

1. Quality

2. Valuation

Fair

3. Price Trend

City Union Bank Price Chart

P/E Ratio (SA) :
16.04
Market Cap :
13,031.5 Cr.
52-wk low :
108.6
52-wk high :
194.1
Bole Toh?

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 Fair zone.

3. Is City Union Bank Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of City Union Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

10 Year X-Ray of City Union Bank:

Analysis of Financial Track Record

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

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 some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Net Interest Income (₹ Cr.)6247598079811,1991,4301,6111,6751,8301,9161,994
YoY Gr. Rt. %-21.7%6.3%21.5%22.2%19.3%12.7%4%9.2%4.8%-
Total Income2,4622,8263,1033,3543,6583,9354,2824,8494,8234,8644,990
YoY Gr. Rt. %-14.8%9.8%8.1%9.1%7.6%8.8%13.2%-0.5%0.8%-
Adj EPS (₹ ) 5.65.35.36.16.98.19.36.5810.311
YoY Gr. Rt. %--5.7%0.6%15.4%12.5%17.2%14.8%-30.5%24.2%28.2%-
BVPS (₹ )28.630.837.342.249.156.965.971.879.189.192.1
YoY Gr. Rt. %-7.9%21.1%12.9%16.4%16%15.8%9%10.1%12.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.61.51.51.51.51.61.611.21.30
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)0.61.21.31.51.71.71.82.34.132.9
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 Income13.3%9.8%6%4.8%
Total Income7.9%5.9%4.3%0.8%
Adj EPS7%8.3%3.4%28.2%
BVPS13.5%12.7%10.6%12.6%
Share Price 16.7% 3.9% -7.5% 17.4%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Interest Earned / Total Income88.8990.186.9887.7886.7786.4887.9985.9885.7284.3984.3
Margins To view Margins Colour Rating Guide click here
NIM (%)2.83.13.13.23.63.73.73.53.63.20
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)22.318.916.315.515.215.315.29.410.612.210.2
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)16.817.819.220.423.424.225.22529.232.6-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.10%

Total Income has increased 4.34 CAGR in last 3 years

Net Profit has increased 3.40 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - City Union Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 11 -
TTM Sales (₹ Cr.) 4,207 -
BVPS (₹.) 92.1 -
Reserves (₹ Cr.) 6,737 -
P/BV 1.91 -
PE 16.04 -
From the Market
52 Week Low / High (₹) 108.60 / 194.10
All Time Low / High (₹) 0.73 / 249.00
Market Cap (₹ Cr.) 13,031
Equity (₹ Cr.) 74
Face Value (₹) 1
Industry PE 22.4

Management X-Ray of City Union Bank :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of City Union Bank

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

About City Union Bank Ltd

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
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