Banks
Valuation | |
|---|---|
| Market Cap | 21.7 kCr |
| Price/Earnings (Trailing) | 14.01 |
| Price/Sales (Trailing) | 2.88 |
| EV/EBITDA | 3.96 |
| Price/Free Cashflow | 10.05 |
| MarketCap/EBT | 13.78 |
| Enterprise Value | 21.7 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -3.1% |
| Price Change 1M | 0.50% |
| Price Change 6M | 39.2% |
| Price Change 1Y | 68.9% |
| 3Y Cumulative Return | 22.4% |
| 5Y Cumulative Return | 11.3% |
| 7Y Cumulative Return | 6.6% |
| 10Y Cumulative Return | 15.3% |
| Revenue (TTM) |
| 7.55 kCr |
| Rev. Growth (Yr) | 17.2% |
| Earnings (TTM) | 1.25 kCr |
| Earnings Growth (Yr) | 16.1% |
Profitability | |
|---|---|
| Operating Margin | 25% |
| EBT Margin | 21% |
| Return on Equity | 1.49% |
| Return on Assets | 1.49% |
| Free Cashflow Yield | 9.95% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | 275.87 Cr |
| Cash Flow from Operations (TTM) | 1.62 kCr |
| Cash Flow from Financing (TTM) | -3.55 kCr |
| Free Cash Flow (TTM) | 1.62 kCr |
| Free Cash Flow/Share (TTM) | 21.93 |
Balance Sheet | |
|---|---|
| Total Assets | 84.4 kCr |
| Shareholder Equity | 84.4 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.6 |
| Interest/Cashflow Ops | 1.44 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 2 |
| Dividend Yield | 0.68% |
| Shares Dilution (1Y) | 0.20% |
| Shares Dilution (3Y) | 0.30% |
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Growth: Good revenue growth. With 40.9% growth over past three years, the company is going strong.
Size: Market Cap wise it is among the top 20% companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 22.4% return compared to 13.2% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Very strong Profitability. One year profit margin are 17%.
Balance Sheet: Strong Balance Sheet.
Momentum: Stock has a weak negative price momentum.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Growth: Good revenue growth. With 40.9% growth over past three years, the company is going strong.
Size: Market Cap wise it is among the top 20% companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 22.4% return compared to 13.2% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Very strong Profitability. One year profit margin are 17%.
Balance Sheet: Strong Balance Sheet.
Momentum: Stock has a weak negative price momentum.
Investor Care | |
|---|---|
| Dividend Yield | 0.68% |
| Dividend/Share (TTM) | 2 |
| Shares Dilution (1Y) | 0.20% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 60.7 |
| RSI (5d) | 37.92 |
| RSI (21d) | 50.53 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of City Union Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management's outlook for FY '26 indicates a robust growth trajectory for the bank, projecting mid-teen to high-teen growth, specifically estimating a 2% to 3% increase over industry averages. As of Q3 FY '26, City Union Bank reported a remarkable 21% year-over-year growth in advances, totaling INR 60,892 crores, the highest credit growth since FY '80. Deposits also matched this growth, standing at INR 70,516 crores, reflecting a 21% increase. The average CD (credit-deposit) ratio remains stable at approximately 86%, with a CASA (current account savings account) ratio of 27%.
Key forward-looking points highlighted by management include:
Overall, the management's comments underscore a strong operational performance with a positive growth outlook, driven by strategic improvements in asset quality and profitability measures.
Understand City Union Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| SMALLCAP WORLD FUND INC | 4.93% |
| AXIS MUTUAL FUND | 3.13% |
| HDFC LIFE INSURANCE COMPANY LTD | 2.83% |
| HSBC MUTUAL FUND | 2.78% |
| SBI LIFE INSURANCE CO LTD | 2.45% |
| EDELWEISS MUTUAL FUND | 2.04% |
| VILASINI VAIDYANATHAN | 2.04% |
Detailed comparison of City Union Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| FEDERALBNK | Federal Bank | 70.61 kCr | 33.3 kCr | +10.90% | +56.20% | 12.42 | 2.12 | - | - |
| KARURVYSYA | Karur Vysya Bank | 30.75 kCr |
Comprehensive comparison against sector averages
CUB metrics compared to Banks
| Category | CUB | Banks |
|---|---|---|
| PE | 14.01 | 18.87 |
| PS | 2.88 | 2.65 |
| Growth | 16.1 % | 5 % |
City Union Bank Limited engages in the provision of various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current 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, property, personal and agricultural gold, working capital, 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. It operates through a network of branches; ATMs, including bulk note recycler machines; passbook kiosks; and 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.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
CUB vs Banks (2021 - 2026)
Here are the major Q&A exchanges from the earnings conference call transcript:
Question: "Just wanted to understand the provisioning breakup for this quarter. Does it involve any floating or standard asset provisions?" Answer: I explained that we had INR74 crores provision for NPA compared to INR40 crores in the previous quarter. The standard asset provision increased from INR7 crores to INR22 crores. To manage net NPA levels better and improve the coverage ratio, we opted for higher provisions.
Question: "What is basically driving our margins, especially since interest on advances shot up this quarter?" Answer: The increase in margins results from deposit repricing of around INR14,200 crores and switching to fixed rates on gold loans. These elements combined with stable MSME and secured retail yields support our margin growth.
Question: "What is your outlook for the gold loan portfolio?" Answer: The decline in our agricultural gold loan portfolio is seasonal, and we expect it to normalize post-harvest. Our focus remains on stable growth patterns rather than panic adjustments.
Question: "What growth outlook should we expect post this quarter?" Answer: We anticipate high teen growth, maintaining momentum throughout FY '26, continuing from the previous quarter. Our goal remains to exceed the industry growth levels.
Question: "What is currently driving your operational expenses?" Answer: The increase in operational expenses is primarily due to salary adjustments and technology expenses. Seasonal provisions, like Diwali bonuses, added to incremental costs, ensuring our overall cost-to-income ratio still aligns positively.
Question: "What proportion of the deposits is yet to be repriced and when do you expect this to occur?" Answer: Approximately INR1,782 crores will be repriced in the next two quarters. These adjustments reflect our efforts to manage deposit rates effectively while aligning them with credit growth.
Question: "How will the new RBI regulations affect your margins next quarter?" Answer: We believe our NIM will remain stable with minor fluctuations, usually around 3.75% to 4%. The CRR cuts are supportive, and we can manage pressures to keep margins intact.
Question: "Regarding interest reversals, how much are you seeing?" Answer: Interest reversals have stabilized, and we've incorporated some increments in our loans, ensuring yields remain consistent. We expect yields on MSME loans to stay around 9.5% with minimal changes.
These summaries capture the essence of the Q&A session while adhering to the request for detail and succinctness.
| VISALAM G | 2.04% |
| FRANKLIN TEMPLETON MUTUAL FUND | 1.93% |
| NIPPON INDIA MUTUAL FUND | 1.56% |
| KOTAK FUNDS INDIA MIDCAP FUND | 1.54% |
| BANK MUSCAT INDIA | 1.22% |
| SRIRAM V HUF | 1.22% |
Distribution across major stakeholders
Distribution across major institutional holders
| 12.66 kCr |
| +17.80% |
| +63.10% |
| 11.12 |
| 2.43 |
| - |
| - |
| RBLBANK | RBL Bank | 18.64 kCr | 18.15 kCr | -5.20% | +79.50% | 22.35 | 1.03 | - | - |
| SOUTHBANK | South Indian Bank | 10.8 kCr | 11.86 kCr | -3.20% | +56.60% | 5.87 | 0.91 | - | - |
| DCBBANK | DCB Bank | 6.19 kCr | 8.1 kCr | +5.80% | +56.60% | 7.51 | 0.76 | - | - |
| 2.7% |
| 230 |
| 224 |
| 201 |
| 197 |
| 179 |
| 184 |
| Other operating expenses | 10% | 254 | 231 | 218 | 214 | 202 | 197 |
| Operating expenses | 6.4% | 484 | 455 | 418 | 411 | 380 | 381 |
| Operating profit | 8.9% | 513 | 471 | 451 | 441 | 436 | 428 |
| Provisions other than tax and contingencies | 69.6% | 96 | 57 | 70 | 78 | 75 | 70 |
| Profit before tax | 0.7% | 417 | 414 | 381 | 363 | 361 | 358 |
| Tax expense | 0% | 85 | 85 | 75 | 75 | 75 | 73 |
| Profit after tax | 0.9% | 332 | 329 | 306 | 288 | 286 | 285 |
| Net profit (loss) for the period | 0.9% | 332 | 329 | 306 | 288 | 286 | 285 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -1.9% | 0.1918 | 0.2071 | 0.2209 | 0.227 | 0.2129 | 0.2198 |
| Gross non performing assets | -5.2% | 1,320 | 1,393 | 1,617 | 1,638 | 1,693 | 1,726 |
| Non performing assets | -8.6% | 469 | 513 | 635 | 653 | 702 | 775 |
| Return on assets | -0.1% | 0.0153 | 0.0159 | 0.0155 | 0.0153 | 0 | 0 |
Analysis of City Union Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.