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Last Updated on: 23 June, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of City Union Bank Ltd

About the Company - City Union Bank Ltd

City Union Bank Ltd. is a Public Limited Listed company incorporated on 31/10/1904 and has its registered office in the State of Tamil Nadu, India. Company’s Corporate Identification Number(CIN) is L65110TN1904PLC001287 and registration number is 001287. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company’s Total Operating Revenue is Rs. 4104.78 Cr. and Equity Capital is Rs. 73.96 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private Sector149, T.S.R. (Big) Street, Kumbakonam Tamil Nadu 612001shares@cityunionbank.in
http://www.cityunionbank.com
Management
NamePosition Held
Mr. M NarayananNon Exe.Part Time Chairman
Dr. N KamakodiManaging Director & CEO
Mr. T K RamkumarDirector
Mrs. Lalitha RameswaranDirector
Mr. G MahalingamDirector
Prof. V KamakotiDirector
Mr. N SubramaniamDirector
Mr. V N Shiva ShankarDirector
Dr. T S SridharDirector
Mr. K VaidyanathanDirector

Basic Stock Data of City Union Bank Ltd

Last Updated: June 22, 2024, 10:51 pm

Market Cap 12,075 Cr.
Current Price 163
High / Low168/120
Stock P/E11.9
Book Value 101
Dividend Yield0.61 %
ROCE6.78 %
ROE13.6 %
Face Value 1.00
PEG Ratio0.82

City Union Bank Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue1,0489769971,0221,0351,0501,0991,1811,2061,2281,2661,3041,326
Interest559548550544545549575613650714744766810
Expenses469527428424404435447390507451452390391
Financing Profit20-992054866678178496371149125
Financing Margin %2%-10%2%5%8%6%7%15%4%5%6%11%9%
Other Income220145193203160203218173224195191182193
Depreciation0000000000000
Profit before tax24046213257246269295351273258262331318
Tax %29%-141%19%29%20%22%24%21%20%16%13%15%20%
Net Profit170111173182196209225276218218227281253
EPS in Rs2.301.502.342.462.652.833.043.742.942.943.073.793.42
Gross NPA %2.94%5.11%5.59%5.58%5.21%4.70%4.65%4.36%4.62%4.37%4.91%4.66%4.47%
Net NPA %1.47%2.97%3.49%3.48%3.44%2.95%2.89%2.69%2.67%2.36%2.51%2.34%2.19%

Last Updated: June 11, 2024, 2:31 am

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:8%
TTM:12%
Compounded Profit Growth
10 Years:11%
5 Years:8%
3 Years:20%
TTM:8%
Stock Price CAGR
10 Years:9%
5 Years:-7%
3 Years:-3%
1 Year:22%
Return on Equity
10 Years:13%
5 Years:12%
3 Years:13%
Last Year:14%

Last Updated: June 17, 2024, 8:38 pm

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

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %22%19%16%15%15%15%15%9%11%12%13%

City Union Bank Ltd Financial Efficiency Indicators Chart

City Union Bank Ltd Share Holding Pattern

MonthJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
FIIs17.15%16.14%16.00%18.12%18.16%21.32%23.75%24.95%25.33%23.66%26.60%26.95%
DIIs41.65%42.11%43.94%41.22%41.65%40.14%37.74%36.18%33.12%33.18%32.39%29.50%
Public41.20%41.75%40.06%40.66%40.19%38.54%38.53%38.85%41.54%43.15%41.01%43.55%
No. of Shareholders1,39,5971,44,6061,48,2141,53,3311,47,9991,35,2821,45,0831,48,0271,84,7782,08,8122,16,0192,48,815

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)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan33,052,0000.95456.4517,624,2832024-06-2287.54%
SBI Small Cap Fund24,000,0001.57331.4417,624,2832024-06-2236.18%
Axis Small Cap Fund17,624,2831.49243.3917,624,2832024-06-220%
Franklin India Prima Fund8,960,4161.46123.7417,624,2832024-06-22-49.16%
Canara Robeco Small Cap Fund8,086,1541.42111.6717,624,2832024-06-22-54.12%
Kotak Emerging Equity Fund - Regular Plan7,856,1680.32108.4917,624,2832024-06-22-55.42%
UTI Mid Cap Fund7,384,2301.17101.9817,624,2832024-06-22-58.1%
Franklin India Smaller Companies Fund6,708,4530.9692.6417,624,2832024-06-22-61.94%
Kotak Equity Arbitrage Fund - Regular Plan6,580,0000.3190.8717,624,2832024-06-22-62.67%
ICICI Prudential Multicap Fund5,358,0810.847417,624,2832024-06-22-69.6%

City Union Bank Ltd ROCE Trend

City Union Bank Ltd EPS Trend

City Union Bank Ltd Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
Face Value1.001.001.001.001.00
Basic EPS (Rs.)13.7212.6710.298.036.48
Diluted EPS (Rs.)13.6212.5710.187.976.41
Cash EPS (Rs.)13.7113.6511.439.217.53
Book Value[Excl.RevalReserv]/Share (Rs.)113.43100.7289.0579.0871.83
Book Value[Incl.RevalReserv]/Share (Rs.)113.43100.7289.0579.0871.83
Dividend / Share (Rs.)1.501.001.000.500.50
Operating Revenue / Share (Rs.)71.1663.6755.5055.9656.54
Net Profit / Share (Rs.)13.7112.6610.288.026.46
Interest Income / Employee (Rs.)0.007832425.827648180.557076304.817261109.21
Net Profit / Employee (Rs.)0.001557533.641416368.731014586.34829673.40
Business / Employee (Rs.)0.00158583159.49164054663.69138105754.75130221110.78
Interest Income / Branch (Rs.)0.0062690652.9356461877.5858898645.3059551468.57
Net Profit / Branches (Rs.)0.0012466482.7110456191.208444769.236804507.14
Business / Branches (Rs.)0.001269297921.541211116066.021149504166.671067999138.57
Net Profit Margin (%)19.2719.8818.5114.3311.42
Operating Profit Margin (%)5.202.690.02-2.70-4.88
Return On Assets (%)1.431.401.231.110.95
Return On Equity / Networth (%)12.0812.5711.5410.148.99
Net Interest Margin (X)2.993.243.113.433.36
Cost To Income (%)30.7638.8540.3740.1238.75
Interest Income / Total Assets (%)7.447.076.677.758.38
Non-Interest Income / Total Assets (%)1.041.211.231.321.36
Operating Profit / Total Assets (%)0.380.190.00-0.20-0.40
Operating Expenses / Total Assets (%)1.901.731.751.972.03
Interest Expenses / Total Assets (%)4.443.833.554.325.01
Enterprise Value (Rs.Cr.)65768.1763101.7359580.7454608.5850393.87
EV Per Net Sales (X)12.4813.3914.5113.2112.09
Price To Book Value (X)1.191.251.451.971.80
Price To Sales (X)1.901.982.332.792.29
Retention Ratios (%)100.0092.1195.1493.7892.28
Earnings Yield (X)0.100.100.070.050.04

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

Fair Value: 164.46

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

Undervalued: 0.89% compared to the current price 163

Intrinsic Value: 188.38

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators along with EPS growth.

Undervalued: 15.57% compared to the current price ₹163

Last 5 Year EPS CAGR: 14.55%

*Investments are subject to market risks

Strength and Weakness of City Union Bank Ltd Stock

Unable to fetch valid data for stock valuation.

FAQ

What is the latest fair value of City Union Bank Ltd?

The latest fair value of City Union Bank Ltd is ₹164.46.

What is the Market Cap of City Union Bank Ltd?

The Market Cap of City Union Bank Ltd is 12,075 Cr..

What is the current Stock Price of City Union Bank Ltd as on 23 June 2024?

The current stock price of City Union Bank Ltd as on 23 June 2024 is ₹163.

What is the High / Low of City Union Bank Ltd stocks in FY 2024?

In FY 2024, the High / Low of City Union Bank Ltd stocks is 168/120.

What is the Stock P/E of City Union Bank Ltd?

The Stock P/E of City Union Bank Ltd is 11.9.

What is the Book Value of City Union Bank Ltd?

The Book Value of City Union Bank Ltd is 101.

What is the Dividend Yield of City Union Bank Ltd?

The Dividend Yield of City Union Bank Ltd is 0.61 %.

What is the ROCE of City Union Bank Ltd?

The ROCE of City Union Bank Ltd is 6.78 %.

What is the ROE of City Union Bank Ltd?

The ROE of City Union Bank Ltd is 13.6 %.

What is the Face Value of City Union Bank Ltd?

The Face Value of City Union Bank Ltd is 1.00.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in City Union Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE