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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

13,191.37
12.47
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,300.12
0.84%
1.49

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

16.52
-
16.69

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.21
16.35
10.14

PAT CAGR (%)

10 Years
5 Years
3 Years

1.71
1.51

P:E (Median)

8 Years
5 Years
3 Years

19.10
15.09
11.95

P:BV (Average)

8 Years
5 Years
3 Years

1.71
1.71
1.51

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.49
7.66
7.28

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 1,433.95 1,304.05 9.96% 1,388.64 1,266.17 9.67% 1,374.12 1,228.07 11.89% 1,326.24 1,205.64 10.00%
Interest Exp. 851.46 765.62 11.21% 843.47 743.62 13.43% 827.54 713.81 15.93% 810.31 649.91 24.68%
Net Interest Income 582.49 538.42 8.19% 545.17 522.54 4.33% 546.57 514.25 6.28% 515.93 555.73 -7.16%
NIM 3.60 3.70 -2.70% 3.54 3.67 -3.54% 3.66 3.65 0.27% 3.63 3.88 -6.44%
Other Income 226.32 182.07 24.30% 192.13 191.48 0.34% 175.23 195.02 -10.15% 192.88 224.33 -14.02%
Total Income 1,660.27 1,486.11 11.72% 1,580.77 1,457.65 8.45% 1,549.35 1,423.09 8.87% 1,519.11 1,429.98 6.23%
Operating Exp. 380.63 333.88 14.00% 363.81 299.76 21.37% 369.98 292.23 26.61% 344.77 282.72 21.95%
Operating Profit 428.18 386.61 10.75% 373.49 414.27 -9.84% 351.82 417.04 -15.64% 364.03 497.34 -26.80%
Provision 70.00 56.00 25.00% 39.00 152.00 -74.34% 32.00 159.00 -79.87% 46.00 224.50 -79.51%
PBT 358.18 330.61 8.34% 334.49 262.27 27.54% 319.82 258.04 23.94% 318.03 272.84 16.56%
PBTM 24.98 25.35 -1.46% 24.09 20.71 16.32% 23.27 21.01 10.76% 23.98 22.63 5.97%
TAX 73.00 50.00 46.00% 70.00 35.00 100.00% 65.00 40.00 62.50% 65.00 55.00 18.18%
PAT 285.18 280.61 1.63% 264.49 227.27 16.38% 254.82 218.04 16.87% 253.03 217.84 16.15%
PATM 19.89% 21.52% 19.05% 17.95% 18.54% 17.75% 19.08% 18.07%
EPS 3.85 3.79 1.58% 3.57 3.07 16.29% 3.44 2.94 17.01% 3.42 2.94 16.33%
Gross NPA 1,725.50 2,034.63 -15.19% 1,806.45 2,081.07 -13.20% 1,854.43 1,920.16 -3.42% 1,968.11 1,988.67 -1.03%
Gross NPA% 3.54 4.66 -24.03% 3.88 4.91 -20.98% 3.99 4.37 -8.70% 4.47 4.62 -3.25%
Net NPA 775.02 998.73 -22.40% 853.50 1,038.59 -17.82% 898.68 1,017.64 -11.69% 940.90 1,124.47 -16.33%
Net NPA% 1.62 2.34 -30.77% 1.87 2.51 -25.50% 1.97 2.36 -16.53% 2.19 2.67 -17.98%
CASA 29.45 29.56 -0.37% 29.52 30.77 -4.06% 30.63 29.88 2.51% 29.12 29.21 -0.31%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 2,190.17 2,123.47 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 981.04 807.37 Interest Earned 5,522.95 5,270.57 4,714.34 4,104.78 4,134.68 4,168.60 3,767.17 3,402.42 3,173.79 2,944.21 2,698.86 Interest Expended 3,332.78 3,147.10 2,551.54 2,188.29 2,305.02 2,493.41 2,155.68 1,972.12 1,975.02 1,963.17 1,891.49 Int. income Growth 2.78% -1.82% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% 22.19% 21.51% Other Income 786.56 741.66 810.36 759.08 688.77 679.95 514.39 532.10 483.95 409.98 404.10 Total Income 6,309.50 2,865.13 2,973.16 2,675.57 2,518.43 2,355.14 2,125.88 1,962.40 1,682.72 1,391.02 1,211.47 Total Expenditure 1,459.19 1,559.00 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 735.89 654.61 Employee Cost - 613.81 530.37 503.60 463.72 420.65 364.44 315.88 298.14 213.17 210.27 % Of Sales - 11.65% 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% 7.24% 7.79% Opt. & Establishment Exp. - 809.97 697.66 661.68 674.34 672.08 582.94 491.23 443.85 396.99 355.28 % Of Sales - 15.37% 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% 13.48% 13.16% Provisions - 286.00 640.50 610.15 775.02 755.08 315.14 417.75 300.97 230.59 182.52 % Of Sales - 5.43% 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% 7.83% 6.76% EBITDA 1,517.54 1,306.13 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 655.13 556.86 EBITDA Margin 73.58% 61.51% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% 66.78% 68.97% Depreciation 0.00 75.39 72.85 85.02 87.47 78.99 61.50 52.46 53.01 52.43 46.73 PBT 1,330.52 1,230.73 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 602.69 510.13 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 273.00 215.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 158.00 126.00 Tax Rate 20.52% 17.47% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% 26.22% 24.70% PAT 1,057.52 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 PAT before Minority Interest 1,057.52 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 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 35.53% 35.45% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% 31.97% 31.71% PAT Growth 12.05% 8.35% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% 13.06% 15.77% EPS 14.28 13.71 12.66 10.26 8.00 6.43 9.22 7.99 6.79 6.00 5.19

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 8,401.43 7,457.21 6,585.71 5,842.48 5,296.07 4,840.76 4,163.24 3,570.20 3,052.00 2,695.52 Share Capital 74.07 74.04 73.96 73.88 73.73 73.45 66.47 60.11 59.82 59.66 Total Reserves 8,327.36 7,383.17 6,511.75 5,768.59 5,222.34 4,767.31 4,096.76 3,510.09 2,992.18 2,635.87 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 55,656.64 52,397.86 47,689.67 44,537.36 40,832.49 38,447.95 32,852.62 30,115.74 27,158.13 24,074.96 Borrowings 4,724.16 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 664.55 168.82 Other Liabilities & Provisions 2,043.64 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 929.29 931.83 Total Liabilities 70,825.87 66,594.56 61,530.92 53,311.69 49,733.53 45,258.89 39,937.25 35,270.78 31,803.97 27,871.13 Net Block 270.37 239.33 214.65 232.69 245.16 250.03 223.13 215.08 217.56 210.41 Gross Block 1,035.50 938.90 860.43 797.45 759.25 689.84 602.68 542.98 492.90 433.64 Accumulated Depreciation 765.13 699.58 645.78 564.76 514.09 439.81 379.55 327.90 275.35 223.23 Total Non-Current Assets 68,403.72 64,274.59 59,481.27 51,441.52 48,011.05 43,598.85 38,591.48 33,958.21 30,751.00 26,583.35 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 4,615.40 3,302.36 2,965.10 2,792.71 2,030.37 1,993.12 1,861.80 1,484.19 1,412.57 1,233.51 Balance with banks and money at call 2,328.12 3,346.92 3,721.83 2,822.35 2,691.28 970.16 774.65 1,394.79 1,237.50 1,303.26 Investments 15,664.11 14,332.63 12,221.22 9,435.94 9,116.79 7,712.20 7,879.11 7,031.45 6,826.45 5,870.67 Advances 45,525.72 43,053.35 40,358.47 36,157.83 33,927.45 32,673.34 27,852.79 23,832.70 21,056.92 17,965.50 Other Assets 2,422.14 2,319.99 2,049.64 1,870.16 1,722.49 1,660.03 1,345.78 1,312.57 1,052.97 1,287.77 Total Assets 70,825.86 66,594.58 61,530.91 53,311.68 49,733.54 45,258.88 39,937.26 35,270.78 31,803.97 27,871.12 Contingent Liabilities 7,847.00 10,263.66 9,295.73 8,191.54 8,502.71 4,835.45 5,716.00 7,176.35 6,504.40 7,536.52 Bills for collection 469.91 401.08 409.02 372.62 335.79 460.81 319.09 256.97 309.85 266.46 Adjusted Book Value 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 436.20 724.13 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 248.46 130.65 PBT 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 395.02 Adjustment 452.93 758.49 663.18 652.93 699.70 528.95 500.05 338.30 315.52 215.20 Adjustments for Liabilities & Assets -868.99 -779.17 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 -543.05 -332.98 Refund/(Payment) of direct taxes -163.48 -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 31.29 -146.60 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 -106.41 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 -59.99 -64.33 Net Fixed Assets -96.60 -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 -59.26 -74.18 Other Investment Activity -1107.38 -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 -557.23 -512.64 Cash from Financing Activity -35.53 -689.90 -30.79 9.57 -18.28 -5.07 1.09 -4.38 -75.17 290.83 Closing Cash & Equivalent 6,943.53 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 Net Cash Inflow / Outflow 294.25 -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 113.30 357.15 Opening Cash & Equivalents 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34 NIM 3.12 3.38 3.23 3.57 3.51 3.72 3.73 3.55 3.21 3.06 Yield on Advances 11.58 10.95 10.17 11.44 12.29 11.53 12.22 13.32 13.98 15.02 Yield on Investments 6.33 5.88 5.67 8.65 8.44 7.60 7.83 9.19 8.59 9.42 Cost of Liabilities 5.21 4.47 4.13 5.02 5.82 5.54 5.70 6.44 7.06 7.80 Interest Spread 6.37 6.48 6.04 6.41 6.47 5.99 6.51 6.87 6.93 7.22 ROCE 11.70% 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% 19.54% 21.12% Cost Income Ratio 47.06 38.85 40.37 41.72 43.04 41.67 38.46 40.94 40.10 42.83 Core Cost Income Ratio 47.93 38.49 41.16 45.66 46.17 42.32 40.39 43.75 41.45 45.07 Operating Costs to Assets 1.90 1.73 1.76 1.97 2.04 1.96 1.89 1.95 1.75 1.86 Loans/Deposits 0.08 0.09 0.11 0.03 0.05 0.01 0.05 0.02 0.02 0.01 Cash/Deposits 0.08 0.06 0.06 0.06 0.05 0.05 0.06 0.05 0.05 0.05 Investment/Deposits 0.28 0.27 0.26 0.21 0.22 0.20 0.24 0.23 0.25 0.24 Inc Loan/Deposits 8.49% 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% 2.45% 0.70% Credit Deposits 81.80% 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% 77.53% 74.62% Interest Expended / Interest earned 59.71% 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% 66.68% 70.08% Interest income / Total funds 7.44% 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% 9.26% 9.68% Interest Expended / Total funds 4.44% 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% 6.17% 6.79% CASA 30.63% 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37% 20.37% 19.23%

Top Investors:

sbi mutual fund

small cap world fund inc

hdfc mutual fund

franklin mutual fund

kotak mahindra mutual fund

axis mutual fund

hdfc life insurance company limited

icici prudential fund

kotak funds india midcap fund

vilasini vaidyanathan

Annual Reports:

News Update:

City Union Bank - Quarterly Results
21st Oct 2024, 15:45 PM

Read More
City Union Bank expands footprint with opening of three new branches
8th Oct 2024, 11:30 AM

As on date, the Bank has 815 branches in total
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: