fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Search » City Union Bank Ltd

City Union Bank Ltd

Updated on October 14, 2019

Stock/Share Code - CUB

City Union Bank is engaged in Retail Banking, Corporate Banking and Treasury.(Source : 201903 Annual Report Page No: 64)

Below is the details of CUB City Union Bank Ltd

Market Cap₹14,930 Cr.
Current Price ₹215.55 as on 18 Oct 19
52 Week High / Low Price₹220.5 / ₹157
Face Value₹1
Stock P/E21.12
Book Value₹65.84
Dividend Yield0.25 %
ROCE7.46 %
ROE15.13 %
Sales Growth (3yrs)8.56 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Stock is trading at 3.08 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 8.15% over past five years. Contingent liabilities of Rs.5296.26 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 ₹1,229 27.28 ₹609,181.7 Cr. 0.67 ₹5,676.06 Cr. 18.05 21.68 29176.45 7.69
2. Kotak Mah. Bank ₹1,615.25 38.14 ₹273,380.28 Cr. 0.06 ₹1,932.21 Cr. 26.42 20.44 8314.19 7.92
3. ICICI Bank ₹437.8 39.11 ₹264,490.78 Cr. 0.24 ₹2,513.69 Cr. 50887.63 21.67 20365.87 4.82
4. Axis Bank ₹709.55 34.43 ₹173,952.03 Cr. 0.15 ₹1,261.4 Cr. 74.74 19.49 15534.82 5.70
5. IndusInd Bank ₹1,342.65 26.15 ₹96,714.99 Cr. 0.47 ₹1,432.5 Cr. 38.31 37.36 6961.37 7.62
6. Bandhan Bank ₹554.7 25.81 ₹56,028.5 Cr. 0.64 ₹701.14 Cr. 45.55 36.27 2120.56 10.48
7. IDFC First Bank ₹39.7 ₹20,828.95 Cr. 1.72 -₹611.64 Cr. -419.24 62.55 3865.71 3.97
8. City Union Bank 21.12 ₹14,929.82 Cr. 0.25 ₹185.65 Cr. 14.85 15.71 1029.24 7.46

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

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

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue7918118008268418658718909269679851,029
Interest489504489483486500503515528549564612
Expenses236268260297319276280282289310320345
Employee Cost %9.73%9.9%9.72%9.27%9.84%9.23%8.82%9.81%10.04%9.59%9.28%9.75%
Financing Profit663951453689889310910810072
Financing Margin %8%5%6%5%4%10%10%10%12%11%10%7%
Other Income104143126135155122120129119120147163
Depreciation000000000000
Profit before tax170182176180191211208222228228247236
Tax %27%30%27%22%24%27%27%27%26%22%29%21%
Net Profit124127129140145155152162168178175186
EPS in Rs1.711.751.771.932.022.122.082.212.302.432.392.53
Gross NPA %2.69%2.98%2.83%3.05%3.07%3.30%3.03%3.02%2.85%2.91%2.95%3.34%
Net NPA %1.63%1.72%1.71%1.79%1.76%1.74%1.70%1.70%1.69%1.74%1.81%1.89%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue5968049571,2181,6972,1892,5462,6992,9443,1743,4023,7673,907
Interest3965626787981,1971,5651,7871,8911,9631,9751,9722,1562,253
Expenses1401722132793594705886557359371,1201,1401,263
Manufacturing Cost %0.75%0.88%0.9%1%0.88%1.04%1.62%1.25%1.6%2.14%2.2%2.31%%
Employee Cost %8.23%8.08%8.38%8.34%7.21%6.89%7.29%7.79%7.24%9.39%9.28%9.67%%
Other Cost %14.45%12.43%12.97%13.52%13.07%13.53%14.19%15.21%16.14%17.99%21.43%18.27%%
Financing Profit607165141141154171153246262310472390
Financing Margin %10%9%7%12%8%7%7%6%8%8%9%13%10%
Other Income90124144157207274280415410484532514549
Depreciation1516141714253847525352620
Profit before tax136178195282334403414521603693790925939
Tax %25%32%22%24%16%20%16%24%26%27%25%26%
Net Profit102122153215280322347395445503592683707
EPS in Rs1.862.212.653.704.795.475.145.296.146.918.109.309.65
Dividend Payout %16%20%20%16%15%15%16%17%16%4%3%5%

Compounded Sales Growth

  • 10 Years:: 16.70%
  • 5 Years:: 8.15%
  • 3 Years:: 8.56%
  • TTM:: 12.71%

Compounded Profit Growth

  • 10 Years:: 18.75%
  • 5 Years:: 14.45%
  • 3 Years:: 15.24%
  • TTM:: 15.25%

Return on Equity

  • 10 Years:: 17.08%
  • 5 Years:: 15.42%
  • 3 Years:: 15.20%
  • Last Year:: 15.13%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital323240404147546060606673
Equity Capital323239.9640.540.8247.4454.2759.6659.8260.1166.4773.45
Reserves5356297869661,2021,5931,9712,6362,9923,5104,0974,767
Borrowings6,4288,24710,32513,10016,68920,78222,32224,24427,82330,64734,58838,929
Other Liabilities3553434094844185556479329291,0541,1861,489
Total Liabilities7,3499,25111,55914,59218,35122,97724,99427,87131,80435,27139,93745,259
Fixed Assets4341636998141183210218215223250
Gross Block97.47111.23146.56169.08211.84280.07359.46433.64492.9542.98602.68689.84
Accumulated Depreciation5469.9383.52100.55114.1138.79176.5223.23275.35327.9379.55439.81
CWIP000000000000
Investments1,7182,3973,2103,6164,5865,2675,9545,8716,8267,0317,8797,712
Other Assets5,5886,8128,28610,90713,66717,56918,85721,79024,76028,02431,83537,297
Cash Equivalents816.93885.091100.21286.321136.111770.492179.622536.772650.072878.982636.442963.28
Loans n Advances233.56281.91352.31364.98393.16552.46580.861287.771052.971312.571345.781660.03
Other Assets etc4537.065645.256833.469255.4612137.4615246.0516096.8417965.521056.9123832.6927852.7932673.34
Total Assets7,3499,25111,55914,59218,35122,97724,99427,87131,80435,27139,93745,259

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity24092231237-71618412131248284-183397
Profit from operations179.13194.65223.08360.47417.46512.43562.8610.23760.22841.071092.051211.8
Working Capital Changes75.88-66.6961.56-121.08-562.37230.94-227.38-332.98-543.05-458.63-1158.15-623.32
Taxes paid-14.97-35.93-53.95-2.6773.53-125.3376.98-146.631.29-98.84-117-191.58
Cash from Investing Activity-19-14-35-22-43-68-79-64-60-50-61-87
Fixed Assets Purchased-19.11-14.33-38-23.53-44.38-71.49-94.57-64.68-60.41-50.85-61.35-89.47
Fixed Assets Sold0.070.63.191.441.773.5415.570.350.420.530.822.77
Cash from Financing Activity112-1019-29-368476291-75-4117
Net Cash Flow33368215186-150634409357113229-243327

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %22%20%20%23%25%22%19%16%15%15%15%15%

Announcements & News

Recent Announcements

How to Invest in Mutual Funds SIP Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.
  2. Complete your Registration and KYC Process
  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest! Get Started
  4. Invest in Mutual Funds which invests in City Union Bank Ltd & Get More Returns than Bank Deposit

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.