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City Union Bank Ltd

Updated on October 15, 2020

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₹9,954 Cr.
Current Price ₹147.75 as on 21 Oct 20
52 Week High / Low Price₹249.35 / ₹110
Face Value₹1
Stock P/E22.38
Book Value₹71.83
Dividend Yield0.37 %
ROCE6.70 %
ROE9.40 %
Sales Growth (3yrs)9.51 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 9.08% over past five years. Company has a low return on equity of 13.02% for last 3 years. Contingent liabilities of Rs.8838.49 Cr. Company might be capitalizing the interest cost Dividend payout has been low at 5.50% of profits over last 3 years

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 ₹1,246.7 21.54 ₹614,066.43 Cr. 0.67 ₹6,927.24 Cr. 22.04 10.88 32351.61 7.31
2. Kotak Mah. Bank ₹1,393.3 30.32 ₹277,327.41 Cr. 0.06 ₹1,852.59 Cr. 5.11 1.60 8421.69 7.35
3. ICICI Bank ₹420.3 26.75 ₹272,103.11 Cr. 0.25 ₹3,117.68 Cr. 24.03 10.10 22422.71 5.90
4. Axis Bank ₹501.45 89.88 ₹152,009.25 Cr. 0.20 ₹1,099.52 Cr. -12.83 8.14 16799.19 5.55
5. Bandhan Bank ₹316.05 17.78 ₹49,244.35 Cr. 0.98 ₹549.82 Cr. -31.58 14.70 3018.09 12.00
6. IndusInd Bank ₹628.1 12.68 ₹43,708.53 Cr. 1.19 ₹460.64 Cr. -67.84 2.88 7161.73 8.50
7. IDBI Bank ₹37.6 ₹40,743.83 Cr. 0.00 ₹159.14 Cr. 104.16 -3.80 4903.80 0.33
8. City Union Bank 22.38 ₹9,953.81 Cr. 0.37 ₹154.04 Cr. -17.03 1.95 1049.36 6.70

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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

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue8418658718909269679851,0291,0371,0611,0421,049
Interest486500503515528549564612625634622612
Expenses -319276280282289310320345368342714399
Employee Cost %9.84%9.23%8.82%9.81%10.04%9.59%9.28%9.75%10.91%10.69%9.01%11.09%
Financing Profit36898893109108100724485-29538
Financing Margin %4%10%10%10%12%11%10%7%4%8%-28%4%
Other Income155122120129119120147163195142179161
Depreciation000000000000
Profit before tax191211208222228228247236239227-115199
Tax %24%27%27%27%26%22%29%21%19%15%17%23%
Net Profit145155152162168178175186194192-95154
EPS in Rs2.022.122.082.212.302.432.392.532.632.62-1.292.09
Gross NPA %3.07%3.30%3.03%3.02%2.85%2.91%2.95%3.34%3.41%3.50%4.09%3.90%
Net NPA %1.76%1.74%1.70%1.70%1.69%1.74%1.81%1.89%1.90%1.95%2.29%2.11%
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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue8049571,2181,6972,1892,5462,6992,9443,1743,4023,7674,1694,189
Interest5626787981,1971,5651,7871,8911,9631,9751,9722,1562,4932,493
Expenses -1722132793594705886557359371,1201,1401,6901,823
Manufacturing Cost %0.88%0.90%1.00%0.88%1.04%1.62%1.25%1.60%2.14%2.20%2.31%2.24%
Employee Cost %8.10%8.40%8.37%7.23%6.91%7.31%7.82%7.27%9.42%9.33%9.72%10.13%
Other Cost %12.40%12.94%13.50%13.05%13.52%14.17%15.18%16.11%17.96%21.38%18.22%28.17%
Financing Profit7165141141154171153246262310472-15-128
Financing Margin %9%7%12%8%7%7%6%8%8%9%13%-0%-3%
Other Income124144157207274280415410484532514680677
Depreciation1614171425384752535262790
Profit before tax178195282334403414521603693790925586550
Tax %32%22%24%16%20%16%24%26%27%25%26%19%
Net Profit122153215280322347395445503592683476445
EPS in Rs0.202.453.424.435.475.145.296.146.918.109.306.466.05
Dividend Payout %20%20%16%15%15%16%17%16%4%3%5%8%

Compounded Sales Growth

  • 10 Years:: 15.86%
  • 5 Years:: 9.08%
  • 3 Years:: 9.51%
  • TTM:: 7.21%

Compounded Profit Growth

  • 10 Years:: 12.07%
  • 5 Years:: 4.25%
  • 3 Years:: -1.79%
  • TTM:: -37.09%

Return on Equity

  • 10 Years:: 15.16%
  • 5 Years:: 11.80%
  • 3 Years:: -2.53%
  • 1 Year:: -33.49%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -324040414754606060667374
Equity Capital324040414754606060667374
Reserves6297869661,2021,5931,9712,6362,9923,5104,0974,7675,222
Borrowings8,24710,32513,10016,68920,78222,32224,24427,82330,64734,58838,92942,865
Other Liabilities -3414034764015556479329291,0541,1861,4891,573
Other liability items3414034764015556479329291,0541,1861,4891,573
Total Liabilities9,24911,55414,58418,33322,97724,99427,87131,80435,27139,93745,25949,734
Fixed Assets -41636998141183210218215223250245
Gross Block111147169212280359434493543603690759
Accumulated Depreciation7084101114139176223275328380440514
CWIP000000000000
Investments2,3973,2103,6164,5865,2675,9545,8716,8267,0317,8797,7129,117
Other Assets -6,8108,28010,89913,64917,56918,85721,79024,76028,02431,83537,29740,372
Cash Equivalents8851,1001,2861,1361,7702,1802,5372,6502,8792,6362,9634,722
Loans n Advances2823523653935525811,2881,0531,3131,3461,6601,722
Other asset items5,6436,8289,24712,12015,24616,09717,96621,05723,83327,85332,67333,927
Total Assets9,24911,55414,58418,33322,97724,99427,87131,80435,27139,93745,25949,734

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity -92231237-71618412131248284-1834191,836
Profit from operations1952233604175125636107608411,0921,2121,176
Loans Advances-1,148-1,243-2,489-2,94400000000
Operating investments-648-778-407-970-664-665-351-910-146-850178-1,246
Operating borrowings-2-0146163128-172-136496-1341,205-1,2551,551
Deposits1,7822,0782,6303,4263,9641,7122,0583,0832,9582,7375,5952,385
Other WC items-494-1-238-3,197-1,103-1,904-3,212-3,136-4,250-5,120-2,067
Working capital changes-6762-121-562231-227-333-543-459-1,158-602624
Direct taxes-36-54-374-12577-14731-99-117-19236
Cash from Investing Activity --14-35-22-43-68-79-64-60-50-61-87-60
Fixed assets purchased-14-38-24-44-71-95-65-60-51-61-89-75
Fixed assets sold13124160011315
Cash from Financing Activity --1019-29-368476291-75-41-5-18
Proceeds from shares0.0046.946.073.70131.06130.94354.554.2815.4324.9121.1423.32
Dividends paid-7.43-23.62-29.60-34.06-40.12-47.14-53.62-66.05-17.38-19.78-21.70-37.08
Other financing items-2.72-4.09-4.98-5.86-6.65-8.07-10.11-13.40-2.44-4.04-4.51-4.51
Net Cash Flow68215186-150634409357113229-2433271,758

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %20%20%23%25%22%19%16%15%15%15%15%9%

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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.