City Union Bank Ltd
CUBCity Union Bank Ltd
CUB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 12.12 | 1.53 | 0.65% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.82 | 2.55 | 0.92% |
Forecast & Ratings
Detailed Forecastfrom 20 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.
Investor Presentation
View olderPeers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Kotak Mahindra Bank Ltd
Axis Bank Ltd
Indusind Bank Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
All values in ₹
Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
All values in ₹
Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2015 | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 3,113.85 | 3,354.19 | 3,657.74 | 3,934.52 | 4,281.56 | 4,848.55 | 4,823.45 | 4,863.86 | 5,524.70 | 5,796.83 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 4,673.05 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 210.27 | 213.17 | 298.14 | 315.88 | 364.44 | 420.65 | 463.72 | 503.60 | 530.37 | |||||||||||
| Selling & Administrative Expenses | 192.68 | 214.94 | 250.57 | 285.60 | 333.83 | 361.63 | 343.80 | 350.03 | 385.92 | |||||||||||
| Operating & Other expenses | 2,143.15 | 2,270.95 | 2,363.25 | 2,490.58 | 2,596.94 | 3,400.95 | 3,235.64 | 2,940.05 | 3,358.07 | |||||||||||
EBITDA | 567.75 | 655.13 | 745.78 | 842.46 | 986.35 | 665.32 | 780.29 | 1,070.18 | 1,250.34 | 1,123.78 | ||||||||||
| Depreciation/Amortization | 46.73 | 52.43 | 53.01 | 52.46 | 61.50 | 78.99 | 87.47 | 85.02 | 72.85 | — | ||||||||||
| PBIT | 521.02 | 602.70 | 692.77 | 790.00 | 924.85 | 586.33 | 692.82 | 985.16 | 1,177.49 | 1,123.78 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 521.02 | 602.70 | 692.77 | 790.00 | 924.85 | 586.33 | 692.82 | 985.16 | 1,177.49 | 1,123.78 | ||||||||||
| Taxes & Other Items | 126.00 | 158.00 | 190.00 | 198.00 | 242.00 | 110.00 | 100.00 | 225.00 | 240.00 | 180.00 | ||||||||||
| Net Income | 395.02 | 444.70 | 502.77 | 592.00 | 682.85 | 476.33 | 592.82 | 760.16 | 937.49 | 943.78 | ||||||||||
| EPS | 5.73 | 6.15 | 6.93 | 8.12 | 9.32 | 6.47 | 8.03 | 10.28 | 12.67 | 12.75 | ||||||||||
| DPS | 0.91 | 0.99 | 0.25 | 0.27 | 0.50 | 0.50 | 0.50 | 1.00 | 1.00 | 1.00 | ||||||||||
| Payout ratio | 0.16 | 0.16 | 0.04 | 0.03 | 0.05 | 0.08 | 0.06 | 0.10 | 0.08 | 0.08 |
Company Updates
Annual report
PDFAnnual report
PDFAnnual report
PDFInvestor Presentation
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| City Union Bank Ltd | 12.20 | 1.53 | 0.65% |
| HDFC Bank Ltd | 26.90 | 4.26 | 0.86% |
| ICICI Bank Ltd | 20.58 | 3.17 | 0.80% |
| Kotak Mahindra Bank Ltd | 24.36 | 3.24 | 0.08% |
Price Comparison
Compare CUB with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Increased Total Retail Holding
In last 3 months, retail holding in the company has increased by 1.31%
Decreased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has decreased by 1.67%
Shareholding Pattern
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 5 Mutual Funds holding City Union Bank Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
HDFC MUTUAL FUND MID CAP OPP FUND DIRECT GROWTH OPEN ENDED Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 3.8805% | Percentage of the fund’s portfolio invested in the stock 0.93% | Change in the portfolio weight of the stock over the last 3 months 0.06% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 39/71 (+3) |
SBI Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 3.1378% | Percentage of the fund’s portfolio invested in the stock 1.57% | Change in the portfolio weight of the stock over the last 3 months -0.03% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 27/61 (+1) |
AXIS SMALL CAP FUND - DIRECT PLAN GROWTH Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.1277% | Percentage of the fund’s portfolio invested in the stock 1.49% | Change in the portfolio weight of the stock over the last 3 months -0.08% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 24/102 (-5) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividend Cuts
CUB has increased or maintained dividend levels over the last 5 years
Dividend Yield
Current dividend yield is 0.65%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹6.53 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateAug 11, 2023
Dividend/Share
₹1.00
Ex DateEx Date
Aug 11, 2023
Cash Dividend
Ex DateEx DateAug 10, 2022
Dividend/Share
₹1.00
Ex DateEx Date
Aug 10, 2022
Cash Dividend
Ex DateEx DateAug 11, 2021
Dividend/Share
₹0.20
Ex DateEx Date
Aug 11, 2021
Cash Dividend
Ex DateEx DateJun 4, 2021
Dividend/Share
₹0.30
Ex DateEx Date
Jun 4, 2021
Cash Dividend
Ex DateEx DateMar 26, 2020
Dividend/Share
₹0.50
Ex DateEx Date
Mar 26, 2020
News & Opinions
City Union Bank explores co-lending space for growth
3 months ago•The Hindu
Buy City Union Bank; target of Rs 160: HDFC Securities
3 months ago•Moneycontrol
Accumulate City Union Bank; target of Rs 160: Prabhudas Lilladher
3 months ago•Moneycontrol
City Union Bank down 6% as asset quality worsens in Q1
3 months ago•Moneycontrol
City Union Bank posts ₹227 cr net profit in Q1
3 months ago•The Hindu Businessline
City Union Bank Q1 net rose marginally to ₹227 cr.
3 months ago•The Hindu
Over ₹36,300 crore worth of QIPs waiting to be raised in 2023
5 months ago•The Hindu Businessline
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 7.02%, vs industry avg of 12.08%
Decreasing Market Share
Over the last 5 years, market share decreased from 0.88% to 0.71%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 9.63%, vs industry avg of 23.14%