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Fundamental Analysis of City Union Bank Ltd

About the Company - City Union Bank Ltd

No data availabale for About the Company
INDUSTRYADDRESSCONTACT
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Management Data not Available

Basic Stock Data of City Union Bank Ltd

Market Cap 10,906 Cr.
Current Price 147
High / Low205/120
Stock P/E11.5
Book Value 101
Dividend Yield0.68 %
ROCE6.01 %
ROE13.4 %
Face Value 1.00

City Union Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue1,0611,0489769971,0221,0351,0501,0991,1811,2061,2281,2661,304
Interest586559548550544545549575613650714744766
Expenses437469527428424404435447390507451452390
Financing Profit3820-992054866678178496371149
Financing Margin %4%2%-10%2%5%8%6%7%15%4%5%6%11%
Other Income169220145193203160203218173224195191182
Depreciation0000000000000
Profit before tax20824046213257246269295351273258262331
Tax %24%29%-141%19%29%20%22%24%21%20%16%13%15%
Net Profit158170111173182196209225276218218227281
EPS in Rs2.142.301.502.342.462.652.833.043.742.942.943.073.79
Gross NPA %3.44%2.94%5.11%5.59%5.58%5.21%4.70%4.65%4.36%4.62%4.37%4.91%4.66%
Net NPA %1.81%1.47%2.97%3.49%3.48%3.44%2.95%2.89%2.69%2.67%2.36%2.51%2.34%

City Union Bank Ltd Quarterly Chart

City Union Bank Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue1,6972,1892,5462,6992,9443,1743,4023,7674,1694,1354,1054,7145,004
Interest1,1971,5651,7871,8911,9631,9751,9722,1562,4932,3052,1882,5522,873
Expenses3594705886557369371,1201,1401,6901,7381,6051,7231,800
Financing Profit141154171153245262310472-1592311440331
Financing Margin %8%7%7%6%8%8%9%13%-0%2%8%9%7%
Other Income207274280415410484532514680689759810793
Depreciation1425384752535262798785730
Profit before tax3344034145216036937909255866939851,1771,124
Tax %16%20%16%24%26%27%25%26%19%14%23%20%
Net Profit280322347395445503592683476593760937944
EPS in Rs4.544.945.295.476.146.918.109.306.468.0210.2812.6612.74
Dividend Payout %15%15%16%17%16%4%3%5%8%6%10%8%

City Union Bank Ltd Profit & Loss Yearly Chart

City Union Bank Ltd Growth

Compounded Sales Growth
10 Years::8%
5 Years::7%
3 Years::4%
TTM::15%

City Union Bank Ltd Growth

Compounded Profit Growth
10 Years::11%
5 Years::10%
3 Years::25%
TTM::4%

City Union Bank Ltd Growth

Stock Price CAGR
10 Years::14%
5 Years::-4%
3 Years::-8%
1 Year::-22%

City Union Bank Ltd Growth

Return on Equity
10 Years::13%
5 Years::12%
3 Years::12%
Last Year::13%

City Union Bank Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital41475460606066737474747474
Reserves1,2021,5931,9712,6362,9923,5104,0974,7675,2225,7696,5127,383
Borrowings16,68920,78222,32224,24427,82330,64734,58838,92942,86545,88353,00157,086
Other Liabilities4015556479329291,0541,1861,4891,5731,5861,9442,051
Total Liabilities18,33322,97724,99427,87131,80435,27139,93745,25949,73453,31261,53166,595
Fixed Assets98141183210218215223250245233215239
CWIP000000000000
Investments4,5865,2675,9545,8716,8267,0317,8797,7129,1179,43612,22114,333
Other Assets13,64917,56918,85721,79024,76028,02431,83537,29740,37243,64349,09552,023
Total Assets18,33322,97724,99427,87131,80435,27139,93745,25949,73453,31261,53166,595

City Union Bank Ltd Reserves and Borrowings Chart

City Union Bank Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -71618412131248284-1834191,8369221,166100
Cash from Investing Activity -43-68-79-64-60-50-61-87-60-38-63-72
Cash from Financing Activity -368476291-75-41-5-1810-31-66
Net Cash Flow-150634409357113229-2433271,7588931,072-38

City Union Bank Ltd Financial Efficiency Indicators Chart

No valid data available for the Shareholding

City Union Bank Ltd Shareholding Pattern Chart

No. of City Union Bank Ltd Shareholders

City Union Bank Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
HDFC Mid-Cap Opportunities Fund - Regular Plan330520000.86418.77
SBI Small Cap Fund240000001.43304.08
Axis Small Cap Fund176242831.38223.3
Franklin India Prima Fund89604161.29113.53
UTI Mid Cap Fund83842301.18106.23
Canara Robeco Small Cap Fund80861541.31102.45
Kotak Emerging Equity Fund - Regular Plan78561680.2999.54
Franklin India Smaller Companies Fund67084530.8785
Kotak Equity Arbitrage Fund - Regular Plan64850000.382.17
Canara Robeco Emerging Equities55730390.3970.61

City Union Bank Ltd ROCE Trend

City Union Bank Ltd EPS Trend

City Union Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value1.001.001.001.001.00
Basic EPS (Rs.)12.6710.298.036.489.57
Diluted EPS (Rs.)12.5710.187.976.419.49
Cash EPS (Rs.)13.6511.439.217.5310.13
Book Value[Excl.RevalReserv]/Share (Rs.)100.7289.0579.0871.8365.91
Book Value[Incl.RevalReserv]/Share (Rs.)100.7289.0579.0871.8365.91
Dividend / Share (Rs.)1.001.000.500.500.50
Operating Revenue / Share (Rs.)63.6755.5055.9656.5451.29
Net Profit / Share (Rs.)12.6610.288.026.469.30
Interest Income / Employee (Rs.)7832425.827648180.557076304.817261109.216827050.74
Net Profit / Employee (Rs.)1557533.641416368.731014586.34829673.401237498.01
Business / Employee (Rs.)158583159.49164054663.69138105754.75130221110.78128889614.53
Interest Income / Branch (Rs.)62690652.9356461877.5858898645.3059551468.5757956409.23
Net Profit / Branches (Rs.)12466482.7110456191.208444769.236804507.1410505406.15
Business / Branches (Rs.)1269297921.541211116066.021149504166.671067999138.571094173681.54
Net Profit Margin (%)19.8818.5114.3311.4218.12
Operating Profit Margin (%)2.690.02-2.70-4.884.47
Return On Assets (%)1.401.231.110.951.50
Return On Equity / Networth (%)12.5711.5410.148.9914.10
Net Interest Margin (X)3.243.113.433.363.56
Cost To Income (%)36.8439.3840.1238.7533.70
Interest Income / Total Assets (%)7.076.677.758.388.32
Non-Interest Income / Total Assets (%)1.211.231.321.361.13
Operating Profit / Total Assets (%)0.190.00-0.20-0.400.37
Operating Expenses / Total Assets (%)1.731.751.972.031.95
Interest Expenses / Total Assets (%)3.833.554.325.014.76
Enterprise Value (Rs.Cr.)63101.7359580.7454608.5850393.8751934.25
EV Per Net Sales (X)13.3914.5113.2112.0913.79
Price To Book Value (X)1.251.451.971.803.10
Price To Sales (X)1.982.332.792.293.98
Retention Ratios (%)92.1195.1493.7892.2896.78
Earnings Yield (X)0.100.070.050.040.04

City Union Bank Ltd Profitability Ratios (%)

City Union Bank Ltd Liquidity Ratios

City Union Bank Ltd Liquidity Ratios (%)

City Union Bank Ltd Interest Coverage Ratios (%)

City Union Bank Ltd Valuation Ratios

Fair Value of City Union Bank Ltd Stock

Fair Value: ₹156.70

The stock is undervalued by 6.60% compared to the current price ₹147

*This is not Investment Advice

Strength and Weakness of City Union Bank Ltd Stock

Unable to fetch valid data for stock valuation.

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