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City Union Bank Ltd

Updated on February 14, 2019

Stock/Share Code - CUB

City Union Bank is engaged in the business of banking.

Below is the details of CUB City Union Bank Ltd

Market Cap₹13,730 Cr.
Current Price ₹178.1 as on 19 Feb 19
52 Week High / Low Price₹207.15 / ₹146.12
Face Value₹1
Stock P/E20.81
Book Value₹56.78
Dividend Yield0.15 %
ROCE7.57 %
ROE15.31 %
Sales Growth (3yrs)8.03 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Stock is trading at 3.30 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 9.22% over past five years. Contingent liabilities of Rs.6035.09 Cr. Company might be capitalizing the interest cost

City Union Bank Ltd Price Chart

City Union Bank Ltd Price Chart

City Union Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹2,084.05 29.12 ₹582,087.37 Cr. 0.58 ₹5,585.85 Cr. 20.32 25.80 25890.26 7.32
2. Kotak Mah. Bank ₹1,280.45 36.12 ₹248,340.17 Cr. 0.05 ₹1,844.01 Cr. 20.70 21.18 7744.58 7.93
3. Yes Bank ₹212.85 9.09 ₹40,070.22 Cr. 1.55 ₹1,001.85 Cr. -6.97 56.97 7958.94 7.42
4. IndusInd Bank ₹1,480.5 23.38 ₹91,055.65 Cr. 0.49 ₹985.03 Cr. 5.21 34.45 5763.47 7.97
5. ICICI Bank ₹343.25 66.05 ₹225,520.12 Cr. 0.43 ₹1,604.91 Cr. -2.75 19.14 16280.40 4.98
6. Bandhan Bank ₹475.85 32.80 ₹55,374.9 Cr. 0.22 ₹331.27 Cr. 10.40 40.00 1649.55 10.59
7. Federal Bank ₹79.3 16.44 ₹16,558.65 Cr. 1.19 ₹333.63 Cr. 28.31 18.12 2954.41 6.05
8. City Union Bank 20.81 ₹13,729.77 Cr. 0.15 ₹178.11 Cr. 15.07 11.70 966.62 7.57

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City Union Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue756772791811800826841865871890926967
Interest492492489504489483486500503515528549
Expenses218226236268260297319276280282289310
Employee Cost %6.97%8.17%9.73%9.9%9.72%9.27%9.84%9.23%8.82%9.81%10.04%9.59%
Financing Profit46546639514536898893109108
Financing Margin %6%7%8%5%6%5%4%10%10%10%12%11%
Other Income107111104143126135155122120129119120
Depreciation000000000000
Profit before tax153165170182176180191211208222228228
Tax %27%25%27%30%27%22%24%27%27%27%26%22%
Net Profit112124124127129140145155152162168178
Gross NPA %2.41%2.62%2.69%2.98%2.83%3.05%3.07%3.30%3.03%3.02%2.85%2.91%
Net NPA %1.53%1.59%1.63%1.72%1.71%1.79%1.76%1.74%1.70%1.70%1.69%1.74%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue4005968049571,2181,6972,1892,5462,6992,9443,1743,4023,653
Interest2333965626787981,1971,5651,7871,8911,9631,9751,9722,094
Expenses1181401722132793594705886557359371,1201,160
Manufacturing Cost %0.73%0.75%0.88%0.9%1%0.88%1.04%1.62%1.25%1.6%2.14%2.2%%
Employee Cost %11.09%8.23%8.08%8.38%8.34%7.21%6.89%7.29%7.79%7.24%9.39%9.28%%
Other Cost %17.67%14.45%12.43%12.97%13.52%13.07%13.53%14.19%15.21%16.14%17.99%21.43%%
Financing Profit49607165141141154171153246262310399
Financing Margin %12%10%9%7%12%8%7%7%6%8%8%9%11%
Other Income6090124144157207274280415410484532487
Depreciation1115161417142538475253520
Profit before tax99136178195282334403414521603693790886
Tax %27%25%32%22%24%16%20%16%24%26%27%25%
Net Profit72102122153215280322347395445503592660
EPS in Rs1.671.862.212.643.704.795.475.145.296.146.918.04
Dividend Payout %14%16%20%20%16%15%15%16%17%16%4%3%

Compounded Sales Growth

  • 10 Years:: 19.03%
  • 5 Years:: 9.22%
  • 3 Years:: 8.03%
  • TTM:: 9.65%

Compounded Profit Growth

  • 10 Years:: 19.26%
  • 5 Years:: 12.97%
  • 3 Years:: 15.24%
  • TTM:: 16.02%

Return on Equity

  • 10 Years:: 17.63%
  • 5 Years:: 15.96%
  • 3 Years:: 15.32%
  • TTM:: 15.31%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital253232404041475460606066
Equity Capital25.2323239.9640.540.8247.4454.2759.6659.8260.1166.47
Reserves3415356297869661,2021,5931,9712,6362,9923,5104,097
Borrowings4,7196,4288,24710,32513,10016,68920,78222,32224,24427,82330,64734,588
Other Liabilities2783553434094844185556479329291,0541,186
Total Liabilities5,3637,3499,25111,55914,59218,35122,97724,99427,87131,80435,27139,937
Fixed Assets394341636998141183210218215223
Gross Block78.497.47111.23146.56169.08211.84280.07359.46433.64492.9542.98602.68
Accumulated Depreciation39.25469.9383.52100.55114.1138.79176.5223.23275.35327.9379.55
CWIP000000000000
Investments1,3071,7182,3973,2103,6164,5865,2675,9545,8716,8267,0317,879
Other Assets4,0175,5886,8128,28610,90713,66717,56918,85721,79024,76028,02431,835
Cash Equivalents483.87816.93885.091100.21286.321136.111770.492179.622536.772650.072878.982636.44
Loans n Advances203.71233.56281.91352.31364.98393.16552.46580.861287.771052.971312.571345.78
Total Assets5,3637,3499,25111,55914,59218,35122,97724,99427,87131,80435,27139,937

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity22224092231237-71618412131248284-183
Profit from operations134.52179.13194.65223.08360.47417.46512.43562.8610.23760.22841.071092.05
Working Capital Changes120.6575.88-66.6961.56-121.08-562.37230.94-227.38-332.98-543.05-458.63-1158.15
Taxes paid-32.68-14.97-35.93-53.95-2.6773.53-125.3376.98-146.631.29-98.84-117
Cash from Investing Activity-14-19-14-35-22-43-68-79-64-60-50-61
Fixed Assets Purchased-14.32-19.11-14.33-38-23.53-44.38-71.49-94.57-64.68-60.41-50.85-61.35
Fixed Assets Sold0.610.070.63.191.441.773.5415.570.350.420.530.82
Cash from Financing Activity9112-1019-29-368476291-75-41
Proceeds from Shares19.54123.73046.946.073.7131.06130.94354.554.2815.4324.91
Dividends Paid-9.47-9.97-7.43-23.62-29.6-34.06-40.12-47.14-53.62-66.05-17.38-19.78
Net Cash Flow21833368215186-150634409357113229-243

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %22%22%20%20%23%25%22%19%16%15%15%15%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.