City Union Bank Limited Logo

City Union Bank Limited

CUB.NS

(3.2)
Stock Price

174,14 INR

0% ROA

12.93% ROE

11.07x PER

Market Cap.

116.552.145.920,00 INR

0% DER

0.32% Yield

23.09% NPM

City Union Bank Limited Stock Analysis

City Union Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

City Union Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (13.71%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.4%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.39x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 DER

The stock has a reasonable amount of debt compared to its ownership (57%), suggesting a balanced financial position and a moderate level of risk.

8 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (570), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

City Union Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

City Union Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

City Union Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

City Union Bank Limited Revenue
Year Revenue Growth
2004 1.442.485.000
2005 1.840.733.000 21.64%
2006 2.215.785.000 16.93%
2007 2.900.619.000 23.61%
2008 3.662.507.000 20.8%
2009 4.216.419.000 13.14%
2010 5.774.320.000 26.98%
2011 7.067.346.000 18.3%
2012 8.970.999.000 21.22%
2013 10.591.013.000 15.3%
2014 12.107.094.000 12.52%
2015 13.914.296.000 12.99%
2016 16.336.694.000 14.83%
2017 18.666.766.000 12.48%
2018 21.232.043.000 12.08%
2019 23.866.532.000 11.04%
2020 25.163.647.000 5.15%
2021 26.740.308.000 5.9%
2022 29.731.557.000 10.06%
2023 28.819.588.000 -3.16%
2023 60.122.204.000 52.06%
2024 63.230.940.000 4.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

City Union Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

City Union Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 13.671.000
2005 17.418.000 21.51%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 11.194.000 100%
2012 23.143.000 51.63%
2013 23.541.000 1.69%
2014 16.765.000 -40.42%
2015 17.687.000 5.21%
2016 17.843.000 0.87%
2017 21.535.000 17.14%
2018 24.693.000 12.79%
2019 33.992.000 27.36%
2020 37.477.000 9.3%
2021 28.682.000 -30.66%
2022 36.635.000 21.71%
2023 0 0%
2023 451.990.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

City Union Bank Limited EBITDA
Year EBITDA Growth
2004 2.292.261.000
2005 2.472.311.000 7.28%
2006 3.149.270.000 21.5%
2007 5.127.111.000 38.58%
2008 6.999.104.000 26.75%
2009 8.448.130.000 17.15%
2010 10.302.601.000 18%
2011 14.908.294.000 30.89%
2012 19.924.375.000 25.18%
2013 22.378.350.000 10.97%
2014 24.483.446.000 8.6%
2015 26.182.952.000 6.49%
2016 27.208.027.000 3.77%
2017 28.145.835.000 3.33%
2018 29.000.269.000 2.95%
2019 5.863.155.000 -394.62%
2020 6.928.228.000 15.37%
2021 9.851.651.000 29.67%
2022 11.774.795.000 16.33%
2023 13.224.500.000 10.96%
2023 753.900.000 -1654.15%
2024 173.104 -435418.53%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

City Union Bank Limited Gross Profit
Year Gross Profit Growth
2004 1.442.485.000
2005 1.840.733.000 21.64%
2006 2.215.785.000 16.93%
2007 2.900.619.000 23.61%
2008 3.662.507.000 20.8%
2009 4.216.419.000 13.14%
2010 5.774.320.000 26.98%
2011 7.067.346.000 18.3%
2012 8.970.999.000 21.22%
2013 10.591.013.000 15.3%
2014 12.107.094.000 12.52%
2015 13.914.296.000 12.99%
2016 16.336.694.000 14.83%
2017 18.666.766.000 12.48%
2018 21.232.043.000 12.08%
2019 23.866.532.000 11.04%
2020 25.163.647.000 5.15%
2021 26.740.308.000 5.9%
2022 29.731.557.000 10.06%
2023 28.819.588.000 -3.16%
2023 60.122.204.000 52.06%
2024 63.230.940.000 4.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

City Union Bank Limited Net Profit
Year Net Profit Growth
2004 463.184.000
2005 563.735.000 17.84%
2006 718.097.000 21.5%
2007 1.017.307.000 29.41%
2008 1.221.349.000 16.71%
2009 1.527.648.000 20.05%
2010 2.150.542.000 28.96%
2011 2.802.518.000 23.26%
2012 3.220.171.000 12.97%
2013 3.470.743.000 7.22%
2014 3.950.204.000 12.14%
2015 4.446.931.000 11.17%
2016 5.027.688.000 11.55%
2017 5.919.979.000 15.07%
2018 6.828.514.000 13.31%
2019 4.763.155.000 -43.36%
2020 5.928.228.000 19.65%
2021 7.601.651.000 22.01%
2022 9.374.795.000 18.91%
2023 11.224.500.000 16.48%
2023 10.157.309.000 -10.51%
2024 10.579.612.000 3.99%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

City Union Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 0%
2006 2 0%
2007 2 50%
2008 2 0%
2009 3 0%
2010 4 33.33%
2011 5 25%
2012 6 20%
2013 6 0%
2014 6 0%
2015 6 16.67%
2016 7 0%
2017 8 25%
2018 10 11.11%
2019 6 -50%
2020 8 25%
2021 10 20%
2022 13 16.67%
2023 15 20%
2023 14 -15.38%
2024 14 7.14%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

City Union Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 34.148.000
2005 341.039.000 89.99%
2006 2.081.633.000 83.62%
2007 2.209.393.000 5.78%
2008 777.064.000 -184.33%
2009 1.926.507.000 59.66%
2010 2.131.877.000 9.63%
2011 -1.157.553.000 284.17%
2012 5.465.452.000 121.18%
2013 3.178.248.000 -71.96%
2014 659.746.000 -381.74%
2015 1.380.457.000 52.21%
2016 2.327.552.000 40.69%
2017 -2.444.421.000 195.22%
2018 3.074.396.000 179.51%
2019 17.611.982.000 82.54%
2020 8.456.219.000 -108.27%
2021 10.884.002.000 22.31%
2022 14.151.331 -76811.51%
2023 10.883.200.000 99.87%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

City Union Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 139.184.000
2005 591.394.000 76.47%
2006 2.224.871.000 73.42%
2007 2.400.474.000 7.32%
2008 920.349.000 -160.82%
2009 2.306.483.000 60.1%
2010 2.367.230.000 2.57%
2011 -713.792.000 431.64%
2012 6.180.410.000 111.55%
2013 4.123.974.000 -49.87%
2014 1.306.537.000 -215.64%
2015 1.984.557.000 34.16%
2016 2.836.091.000 30.02%
2017 -1.830.954.000 254.9%
2018 3.969.062.000 146.13%
2019 18.362.292.000 78.38%
2020 9.217.996.000 -99.2%
2021 11.655.014.000 20.91%
2022 1.003.968.000 -1060.89%
2023 12.566.200.000 92.01%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

City Union Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 105.036.000
2005 250.355.000 58.05%
2006 143.238.000 -74.78%
2007 191.081.000 25.04%
2008 143.285.000 -33.36%
2009 379.976.000 62.29%
2010 235.353.000 -61.45%
2011 443.761.000 46.96%
2012 714.958.000 37.93%
2013 945.726.000 24.4%
2014 646.791.000 -46.22%
2015 604.100.000 -7.07%
2016 508.539.000 -18.79%
2017 613.467.000 17.1%
2018 894.666.000 31.43%
2019 750.310.000 -19.24%
2020 761.777.000 1.51%
2021 771.012.000 1.2%
2022 989.816.669 22.11%
2023 1.683.000.000 41.19%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

City Union Bank Limited Equity
Year Equity Growth
2004 2.407.180.000
2005 2.861.451.000 15.88%
2006 3.657.078.000 21.76%
2007 5.668.617.000 35.49%
2008 6.609.178.000 14.23%
2009 8.256.360.000 19.95%
2010 10.066.229.000 17.98%
2011 12.430.969.000 19.02%
2012 16.406.685.000 24.23%
2013 20.249.321.000 18.98%
2014 26.955.222.000 24.88%
2015 30.519.957.000 11.68%
2016 35.701.975.000 14.51%
2017 41.632.353.000 14.24%
2018 48.407.575.000 14%
2019 52.960.673.000 8.6%
2020 58.424.762.000 9.35%
2021 65.857.054.000 11.29%
2022 74.572.102.000 11.69%
2023 78.910.473.000 5.5%
2023 84.014.315.000 6.07%
2024 84.014.315.000 0%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

City Union Bank Limited Assets
Year Assets Growth
2004 34.954.051.000
2005 41.270.486.000 15.3%
2006 53.630.139.000 23.05%
2007 73.489.663.000 27.02%
2008 92.510.070.000 20.56%
2009 115.594.018.000 19.97%
2010 145.915.188.000 20.78%
2011 183.506.579.000 20.49%
2012 229.770.822.000 20.13%
2013 249.938.257.000 8.07%
2014 278.711.269.000 10.32%
2015 312.519.613.000 10.82%
2016 352.707.760.000 11.39%
2017 399.372.453.000 11.68%
2018 452.588.883.000 11.76%
2019 497.335.331.000 9%
2020 533.116.831.000 6.71%
2021 615.309.147.000 13.36%
2022 665.945.620.000 7.6%
2023 672.739.171.000 1.01%
2023 708.258.685.000 5.02%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

City Union Bank Limited Liabilities
Year Liabilities Growth
2004 32.546.871.000
2005 38.409.035.000 15.26%
2006 49.973.061.000 23.14%
2007 67.821.046.000 26.32%
2008 85.900.892.000 21.05%
2009 107.337.658.000 19.97%
2010 135.848.959.000 20.99%
2011 171.075.610.000 20.59%
2012 213.364.137.000 19.82%
2013 229.688.936.000 7.11%
2014 251.756.047.000 8.77%
2015 281.999.656.000 10.72%
2016 317.005.785.000 11.04%
2017 357.740.100.000 11.39%
2018 404.181.308.000 11.49%
2019 444.374.658.000 9.04%
2020 474.692.069.000 6.39%
2021 549.452.093.000 13.61%
2022 591.373.518.000 7.09%
2023 45.142.775.000 -1210.01%
2023 624.244.370.000 92.77%
2024 0 0%

City Union Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
61.56
Net Income per Share
14.22
Price to Earning Ratio
11.07x
Price To Sales Ratio
2.56x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.39
EV to Sales
2.56
EV Over EBITDA
35.44
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
116,55 Bil.
Enterprise Value
116,55 Bil.
Graham Number
190.48
Graham NetNet
0

Income Statement Metrics

Net Income per Share
14.22
Income Quality
0
ROE
0.13
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.81
EBT Per Ebit
0.56
Ebit per Revenue
0.51
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.51
Pretax Profit Margin
0.29
Net Profit Margin
0.23

Dividends

Dividend Yield
0
Dividend Yield %
0.32
Payout Ratio
0
Dividend Per Share
0.5

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.22
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
113.43
Interest Debt per Share
43.84
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

City Union Bank Limited Dividends
Year Dividends Growth
2002 3
2003 3 0%
2004 4 50%
2005 3 -100%
2006 3 0%
2007 3 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

City Union Bank Limited Profile

About City Union Bank Limited

City Union Bank Limited provides various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. It offers savings, current, and salary accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, personal and agricultural gold, working capital, easy business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. As of March 31, 2022, it operated through a network of 727 branches; 1,732 ATMs, including 789 bulk note recycler machines; 610 passbook kiosks; and 589 cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

CEO
Dr. N. V. Narayanan Kamakodi B
Employee
7.188
Address
Narayana, No. 24-B
Kumbakonam, 612001

City Union Bank Limited Executives & BODs

City Union Bank Limited Executives & BODs
# Name Age
1 Mr. R. Vijay Anandh B.Sc., M.B.A.
Whole-Time Director
70
2 Dr. N. V. Narayanan Kamakodi B.Tech., CAIIB, M.B.A., MBA
MD, Chief Executive Officer & Director
70
3 Mr. J. Sadagopan
Deputy GM of Taxation & Chief Financial Officer
70
4 Mr. K. Jayaraman
Chief Compliance Officer & GM
70
5 Mr. V. Gopalakrishnan B.A., M.B.A.
General Manager of HRMD and BD / P&D
70
6 Mr. M. Kalyanaraman
General Manager & RMD/CRO
70
7 Venkatakrishnan S
Head Retail Policy of Advances Senior Deputy General Manager
70

City Union Bank Limited Competitors