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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,893.04
22.48
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

14,380.83
0.23%
3.16

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

14.60
19.07
20.88

P:BV (Average)

8 Years
5 Years
3 Years

2.20
2.57
2.92

EV:EBITDA (Average)

8 Years
5 Years
3 Years

7.99
9.20
9.91

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 1,029.24 889.50 15.71% 984.55 870.66 13.08% 966.62 865.36 11.70% 926.49 840.88 10.18%
Interest Exp. 612.36 514.73 18.97% 563.95 502.72 12.18% 548.53 500.23 9.66% 528.46 486.02 8.73%
Net Interest Income 416.88 374.77 11.24% 420.60 367.94 14.31% 418.09 365.13 14.50% 398.02 354.86 12.16%
NIM 4.11 4.24 -3.07% 4.32 4.42 -2.26% 4.41 4.41 0.00% 4.28 4.46 -4.04%
Other Income 163.29 129.11 26.47% 146.89 119.82 22.59% 119.83 121.69 -1.53% 118.55 155.25 -23.64%
Total Income 1,192.53 1,018.61 17.07% 1,131.44 990.49 14.23% 1,086.46 987.05 10.07% 1,045.04 996.12 4.91%
Operating Exp. 228.78 204.48 11.88% 229.71 193.49 18.72% 231.07 190.37 21.38% 220.63 190.05 16.09%
Operating Profit 351.40 299.41 17.36% 337.78 294.28 14.78% 306.86 296.45 3.51% 295.95 320.06 -7.53%
Provision 115.75 77.76 48.86% 90.67 86.15 5.25% 78.75 85.66 -8.07% 67.96 129.30 -47.44%
PBT 235.65 221.65 6.32% 247.11 208.13 18.73% 228.11 210.79 8.22% 227.99 190.76 19.52%
PBTM 22.90 24.92 -8.11% 25.10 23.90 5.02% 23.60 24.36 -3.12% 24.61 22.69 8.46%
TAX 50.00 60.00 -16.67% 72.00 56.00 28.57% 50.00 56.00 -10.71% 60.00 46.00 30.43%
PAT 185.65 161.65 14.85% 175.11 152.13 15.11% 178.11 154.79 15.07% 167.99 144.76 16.05%
PATM 18.04% 18.17% 17.79% 17.47% 18.43% 17.89% 18.13% 17.21%
EPS 2.53 2.21 14.48% 2.38 2.08 14.42% 2.43 2.12 14.62% 2.30 1.98 16.16%
Gross NPA 1,076.22 851.12 26.45% 977.05 856.55 14.07% 891.92 859.79 3.74% 847.88 780.39 8.65%
Gross NPA% 3.34 3.02 10.60% 2.95 3.03 -2.64% 2.91 3.30 -11.82% 2.85 3.07 -7.17%
Net NPA 599.96 473.49 26.71% 591.46 474.78 24.58% 527.60 447.82 17.82% 497.78 440.98 12.88%
Net NPA% 1.89 1.70 11.18% 1.81 1.70 6.47% 1.74 1.74 0.00% 1.69 1.76 -3.98%
CASA 23.44 23.93 -2.05% 25.22 24.22 4.13% 23.86 22.30 7.00% 23.64 22.97 2.92%

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 1,653.60 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 3,906.90 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 2,253.30 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 13.05% 12.67% 19.31% 22.19% 21.51% 6.32% 21.70% 24.86% 18.98% 51.01% Other Income 548.56 514.39 532.10 483.95 409.98 404.10 279.86 273.64 207.13 157.40 143.50 Total Income 4,455.47 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 910.19 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 1,291.97 986.36 842.46 745.78 655.13 556.86 462.20 427.70 347.79 298.88 208.85 EBITDA Margin 76.70% 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 938.86 924.85 790.00 692.77 602.69 510.13 424.47 403.02 334.25 282.05 195.26 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 232.00 242.00 198.00 190.00 158.00 126.00 77.40 81.00 54.00 67.00 42.50 Tax Rate 24.71% 26.17% 25.06% 27.43% 26.22% 24.70% 18.23% 20.10% 16.16% 23.75% 21.77% PAT 706.86 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 152.76 PAT before Minority Interest 706.86 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 152.76 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 32.10% 32.12% 30.17% 29.88% 31.97% 31.71% 33.40% 35.87% 39.65% 37.24% 36.23% PAT Growth 15.25% 15.35% 17.75% 13.06% 15.77% 10.68% 7.78% 14.90% 30.32% 40.78% Unadjusted EPS 9.64 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 reports 15% rise in Q1 net profit
8th Aug 2019, 11:29 AM

Total income of the Bank increased by 17.07% at Rs 1,192.53 crore for Q1FY20
Read More
City Union Bank - Quarterly Results
8th Aug 2019, 11:20 AM

Read More
City Union Bank enters into agreement with Finwizard Technology
25th Jul 2019, 16:41 PM

The agreement is for marketing and distribution of Mutual Funds through the technology platform of FISDOM
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: