City Union Bank, 532210, CUB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17,148.14
23.41
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

15,635.93
0.21%
3.31

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

19.21
14.82
10.36

EBITDA CAGR (%)

10 Years
5 Years
3 Years

23.00
31.09
14.47

PAT CAGR (%)

10 Years
5 Years
3 Years

16.15
12.19
10.74

P:E (Median)

8 Years
5 Years
3 Years

14.74
19.66
20.97

P:BV (Average)

8 Years
5 Years
3 Years

2.23
2.60
2.95

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.08
9.25
10.03

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 19 Sep 18 Var% Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var%
Interest Earned 1,036.82 926.49 11.91% 1,029.24 889.50 15.71% 984.55 870.66 13.08% 966.62 865.36 11.70%
Interest Exp. 625.28 528.46 18.32% 612.36 514.73 18.97% 563.95 502.72 12.18% 548.53 500.23 9.66%
Net Interest Income 411.55 398.02 3.40% 416.88 374.77 11.24% 420.60 367.94 14.31% 418.09 365.13 14.50%
NIM 4.01 4.28 -6.31% 4.11 4.24 -3.07% 4.32 4.42 -2.26% 4.41 4.41 0.00%
Other Income 194.97 118.55 64.46% 163.29 129.11 26.47% 146.89 119.82 22.59% 119.83 121.69 -1.53%
Total Income 1,231.80 1,045.04 17.87% 1,192.53 1,018.61 17.07% 1,131.44 990.49 14.23% 1,086.46 987.05 10.07%
Operating Exp. 260.04 220.63 17.86% 228.78 204.48 11.88% 229.71 193.49 18.72% 231.07 190.37 21.38%
Operating Profit 346.48 295.95 17.07% 351.40 299.41 17.36% 337.78 294.28 14.78% 306.86 296.45 3.51%
Provision 107.95 67.96 58.84% 115.75 77.76 48.86% 90.67 86.15 5.25% 78.75 85.66 -8.07%
PBT 238.53 227.99 4.62% 235.65 221.65 6.32% 247.11 208.13 18.73% 228.11 210.79 8.22%
PBTM 23.01 24.61 -6.50% 22.90 24.92 -8.11% 25.10 23.90 5.02% 23.60 24.36 -3.12%
TAX 45.00 60.00 -25.00% 50.00 60.00 -16.67% 72.00 56.00 28.57% 50.00 56.00 -10.71%
PAT 193.53 167.99 15.20% 185.65 161.65 14.85% 175.11 152.13 15.11% 178.11 154.79 15.07%
PATM 18.67% 18.13% 18.04% 18.17% 17.79% 17.47% 18.43% 17.89%
EPS 2.63 2.30 14.35% 2.53 2.21 14.48% 2.38 2.08 14.42% 2.43 2.12 14.62%
Gross NPA 1,135.44 847.88 33.92% 1,076.22 851.12 26.45% 977.05 856.55 14.07% 891.92 859.79 3.74%
Gross NPA% 3.41 2.85 19.65% 3.34 3.02 10.60% 2.95 3.03 -2.64% 2.91 3.30 -11.82%
Net NPA 624.08 497.78 25.37% 599.96 473.49 26.71% 591.46 474.78 24.58% 527.60 447.82 17.82%
Net NPA% 1.90 1.69 12.43% 1.89 1.70 11.18% 1.81 1.70 6.47% 1.74 1.74 0.00%
CASA 24.69 23.64 4.44% 23.44 23.93 -2.05% 25.22 24.22 4.13% 23.86 22.30 7.00%

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income 1,667.11 1,611.49 1,430.30 1,198.77 981.04 807.37 759.39 624.01 499.75 420.03 278.14 Interest Earned 4,017.23 3,767.17 3,402.42 3,173.79 2,944.21 2,698.86 2,545.93 2,188.75 1,696.77 1,218.41 956.61 Interest Expended 2,350.12 2,155.68 1,972.12 1,975.02 1,963.17 1,891.49 1,786.54 1,564.74 1,197.02 798.38 678.47 Int. income Growth 10.71% 12.67% 19.31% 22.19% 21.51% 6.32% 21.70% 24.86% 18.98% 51.01% Other Income 624.98 514.39 532.10 483.95 409.98 404.10 279.86 273.64 207.13 157.40 143.50 Total Income 4,642.23 2,125.88 1,962.40 1,682.72 1,391.02 1,211.47 1,039.25 897.65 706.88 577.43 421.64 Total Expenditure 949.60 1,139.52 1,119.94 936.94 735.89 654.61 577.05 469.95 359.09 278.55 212.79 Employee Cost - 364.44 315.88 298.14 213.17 210.27 185.62 150.87 122.31 101.62 80.12 % Of Sales - 9.67% 9.28% 9.39% 7.24% 7.79% 7.29% 6.89% 7.21% 8.34% 8.38% Opt. & Establishment Exp. - 582.94 491.23 443.85 396.99 355.28 310.37 248.01 171.08 131.61 99.30 % Of Sales - 15.47% 14.44% 13.98% 13.48% 13.16% 12.19% 11.33% 10.08% 10.80% 10.38% Provisions - 315.14 417.75 300.97 230.59 182.52 156.50 120.43 92.80 78.98 60.53 % Of Sales - 8.37% 12.28% 9.48% 7.83% 6.76% 6.15% 5.50% 5.47% 6.48% 6.33% EBITDA 1,342.49 986.36 842.46 745.78 655.13 556.86 462.20 427.70 347.79 298.88 208.85 EBITDA Margin 76.36% 61.21% 58.90% 62.21% 66.78% 68.97% 60.86% 68.54% 69.59% 71.16% 75.09% Depreciation 0.00 61.50 52.46 53.01 52.43 46.73 37.72 24.68 13.55 16.83 13.58 PBT 949.40 924.85 790.00 692.77 602.69 510.13 424.47 403.02 334.25 282.05 195.26 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 217.00 242.00 198.00 190.00 158.00 126.00 77.40 81.00 54.00 67.00 42.50 Tax Rate 22.86% 26.17% 25.06% 27.43% 26.22% 24.70% 18.23% 20.10% 16.16% 23.75% 21.77% PAT 732.40 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 152.76 PAT before Minority Interest 732.40 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 152.76 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 31.95% 32.12% 30.17% 29.88% 31.97% 31.71% 33.40% 35.87% 39.65% 37.24% 36.23% PAT Growth 15.06% 15.35% 17.75% 13.06% 15.77% 10.68% 7.78% 14.90% 30.32% 40.78% Unadjusted EPS 9.97 9.57 9.18 8.39 7.44 6.82 6.69 6.65 5.79 5.35 4.03

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 4,840.76 4,163.24 3,570.20 3,052.00 2,695.52 2,024.93 1,640.67 1,243.10 1,006.62 825.64 Share Capital 73.45 66.47 60.11 59.82 59.66 54.27 47.44 40.82 40.50 39.96 Total Reserves 4,767.31 4,096.76 3,510.09 2,992.18 2,635.87 1,970.66 1,593.22 1,202.28 966.12 785.68 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 38,447.95 32,852.62 30,115.74 27,158.13 24,074.96 22,016.89 20,304.76 16,340.76 12,914.29 10,284.59 Borrowings 480.91 1,735.88 531.00 664.55 168.82 304.98 476.74 348.70 186.15 40.06 Other Liabilities & Provisions 1,489.27 1,185.51 1,053.84 929.29 931.83 647.02 554.92 418.10 484.46 409.15 Total Liabilities 45,258.89 39,937.25 35,270.78 31,803.97 27,871.13 24,993.82 22,977.09 18,350.66 14,591.52 11,559.44 Net Block 250.03 223.13 215.08 217.56 210.41 182.95 141.28 97.73 68.53 63.04 Gross Block 689.84 602.68 542.98 492.90 433.64 359.46 280.07 211.84 169.08 146.56 Accumulated Depreciation 439.81 379.55 327.90 275.35 223.23 176.50 138.79 114.11 100.55 83.52 Total Non-Current Assets 43,598.85 38,591.48 33,958.21 30,751.00 26,583.35 24,412.96 22,424.63 17,957.49 14,226.54 11,207.13 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 1,993.12 1,861.80 1,484.19 1,412.57 1,233.51 1,040.11 1,016.34 814.67 1,052.24 868.53 Balance with banks and money at call 970.16 774.65 1,394.79 1,237.50 1,303.26 1,139.50 754.15 321.44 234.08 231.67 Investments 7,712.20 7,879.11 7,031.45 6,826.45 5,870.67 5,953.56 5,266.80 4,586.19 3,616.23 3,210.43 Advances 32,673.34 27,852.79 23,832.70 21,056.92 17,965.50 16,096.84 15,246.06 12,137.46 9,255.46 6,833.46 Other Assets 1,660.03 1,345.78 1,312.57 1,052.97 1,287.77 580.86 552.46 393.16 364.98 352.31 Total Assets 45,258.88 39,937.26 35,270.78 31,803.97 27,871.12 24,993.82 22,977.09 18,350.65 14,591.52 11,559.44 Contingent Liabilities 4,835.45 5,716.00 7,176.35 6,504.40 7,536.52 5,113.13 6,043.41 9,701.70 4,162.22 2,428.55 Bills for collection 460.81 319.09 256.97 309.85 266.46 214.28 165.80 368.85 289.68 431.09 Adjusted Book Value 65.91 56.94 49.09 46.38 45.18 37.31 34.58 26.35 21.51 17.88

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity 396.91 -183.10 283.61 248.46 130.65 412.40 618.04 -71.38 236.72 230.69 PBT 682.85 592.00 502.77 444.69 395.02 347.07 322.02 280.25 215.05 152.76 Adjustment 528.95 500.05 338.30 315.52 215.20 215.73 190.41 137.21 145.42 70.31 Adjustments for Liabilities & Assets -623.32 -1,158.15 -458.63 -543.05 -332.98 -227.38 230.94 -562.38 -121.08 61.57 Refund/(Payment) of direct taxes -191.58 -117.00 -98.83 31.29 -146.60 76.97 -125.33 73.53 -2.67 -53.96 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -86.69 -60.53 -50.32 -59.99 -64.33 -79.00 -67.96 -42.61 -22.09 -34.81 Net Fixed Assets -87.16 -59.70 -50.08 -59.26 -74.18 -79.39 -68.23 -42.76 -22.52 -35.33 Other Investment Activity -750.37 -653.00 -602.97 -557.23 -512.64 -427.42 -322.68 -233.93 -203.89 -160.29 Cash from Financing Activity 16.63 1.09 -4.38 -75.17 290.83 75.73 84.29 -36.23 -28.51 19.23 Closing Cash & Equivalent 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 1,770.49 1,136.11 1,286.32 1,100.20 Net Cash Inflow / Outflow 326.84 -242.53 228.90 113.30 357.15 409.13 634.38 -150.21 186.12 215.11 Opening Cash & Equivalents 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 1,770.49 1,136.11 1,286.32 1,100.20 885.09

Financial Ratios

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 65.91 56.94 49.09 42.17 37.34 30.83 28.58 21.78 17.77 14.78 NIM 3.72 3.73 3.55 3.21 3.06 3.13 2.80 2.80 2.97 2.50 Yield on Advances 11.53 12.22 13.32 13.98 15.02 15.82 14.36 13.98 13.16 14.00 Yield on Investments 7.60 7.83 9.19 8.59 9.42 7.74 7.39 6.79 6.96 7.26 Cost of Liabilities 5.54 5.70 6.44 7.06 7.80 8.00 7.53 7.17 6.09 6.57 Interest Spread 5.99 6.51 6.87 6.93 7.22 7.81 6.83 6.81 7.07 7.43 ROCE 17.34% 16.70% 18.57% 19.54% 21.12% 21.45% 24.98% 26.20% 29.17% 25.61% Cost Income Ratio 41.67 38.46 40.94 40.10 42.83 44.10 41.69 39.59 37.48 39.33 Core Cost Income Ratio 42.32 40.39 43.75 41.45 45.07 45.09 42.49 40.03 37.91 43.39 Operating Costs to Assets 1.96 1.89 1.95 1.75 1.86 1.83 1.63 1.52 1.48 1.43 Loans/Deposits 0.01 0.05 0.02 0.02 0.01 0.01 0.02 0.02 0.01 0.00 Cash/Deposits 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.05 0.08 0.08 Investment/Deposits 0.20 0.24 0.23 0.25 0.24 0.27 0.26 0.28 0.28 0.31 Inc Loan/Deposits 1.25% 5.28% 1.76% 2.45% 0.70% 1.39% 2.35% 2.13% 1.44% 0.39% Credit Deposits 84.98% 84.78% 79.14% 77.53% 74.62% 73.11% 75.09% 74.28% 71.67% 66.44% Interest Expended / Interest earned 57.22% 57.96% 62.23% 66.68% 70.08% 70.17% 71.49% 70.55% 65.53% 70.92% Interest income / Total funds 8.32% 8.52% 9.00% 9.26% 9.68% 10.19% 9.53% 9.25% 8.35% 8.28% Interest Expended / Total funds 4.76% 4.94% 5.60% 6.17% 6.79% 7.15% 6.81% 6.52% 5.47% 5.87% CASA 25.22% 24.22% 23.37% 20.37% 19.23% 17.79% 16.77% 18.19% 19.58% 21.86%

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Annual Reports:

News Update:

City Union Bank unveils ‘all-in-one’ mobile banking application
27th Nov 2019, 11:22 AM

The application will provide a platform for usual transactions like fund transfer, bill payments
Read More
City Union Bank reports 15% rise in Q2 net profit
7th Nov 2019, 11:53 AM

Total income of the Bank increased by 17.87% at Rs 1,231.80 crore for Q2FY20
Read More
City Union Bank - Quarterly Results
7th Nov 2019, 11:42 AM

Read More

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: