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City Union Bank

  • Market Cap: Mid Cap
  • Industry: Bank - Private
  • ISIN: INE491A01021
  • NSEID: CUB
  • BSEID: 532210
INR
163.80
5.6 (3.54%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 10.26 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

158.80164.30

52 Week

130.70187.80
Valuation
Technical
Day's Volume

CASH

10.26 lacs (-28.29%) Volume

Shareholding (Mar 2025)

FII

28.03%

Held by 237 FIIs

DII

33.07%

Held by 86 DIIs

Promoter

0.00%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

High Management Efficiency with a high ROA of 1.20%

 
2

The Bank has a high Capital Adequacy Ratio of 19.24% signifying high buffers against its risk based assets

 
3

Positive results in Dec 24

4

Stock is technically in a Mildly Bearish range

5

With ROA of 1.6, it has a Fair valuation with a 1.3 Price to Book Value

6

High Institutional Holdings at 61.1%

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Private

stock-summary
Market cap

INR 12,137 Cr (Mid Cap)

stock-summary
Dividend Yield

0.95%

stock-summary
CAR

21.29%

stock-summary
Return on Assets

1.62%

stock-summary
Net NPA

1.42%

stock-summary
Gross NPA

3.36%

Revenue and Profits (1 Year):
Int. Earned:
1,478.74 Cr
(Quarterly Results - Dec 2024)
Net Profit:
286 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.95%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
6.47%
0%
6.47%
1 Year
2.92%
0.93%
3.85%
2 Years
31.09%
1.82%
32.91%
3 Years
15.72%
2.93%
18.65%
4 Years
-0.97%
2.36%
1.39%
5 Years
26.19%
3.14%
29.33%

Latest dividend: 1.5 per share ex-dividend date: Aug-09-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
5.82%
Net Profit Growth (5y)
7.87%
Advance to Deposit
82.34%
Capital Adequacy Ratio (Tier 1)
19.24%
Gross NPA (latest)
3.36%
Gross NPA (avg)
4.12%
Coverage Ratio (avg)
48.04%
Cost to Income (avg)
42.92%
Net Interest Margin (avg)
3.53%
Operating Profit to Assets (avg)
4.67%
ROA (avg)
1.20%
Valuation key factors
Factor
Value
P/E Ratio
11
Price to Book Value
1.32
PEG Ratio
0.95
Dividend Yield
0.95%
ROE (Latest)
12.28%
ROA (Latest)
1.62%
Net NPA to Book Value
7.90
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 24 Schemes (27.99%)

FIIs

Held by 237 FIIs (28.03%)

Promoter with highest holding

None

Highest Public shareholder

Sbi Mutual Fund (7.86%)

Individual Investors Holdings

30.21%

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 3.12% vs 3.26% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 0.29% vs 7.82% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
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      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 1478.74,
          "val2": 1433.95,
          "chgp": "3.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "436.00",
          "val2": "428.18",
          "chgp": "1.83%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.42%",
          "val2": "1.62%",
          "chgp": "-0.20%",
          "chgp_class": "positive"
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        {
          "field": "% of Gross NPAs",
          "val1": "3.36%",
          "val2": "3.54%",
          "chgp": "-0.18%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "286.00",
          "val2": "285.18",
          "chgp": "0.29%",
          "chgp_class": "positive"
        }
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  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 9.82% vs 12.7% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 8.23% vs 1.25% in Sep 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 2822.59,
          "val2": 2570.21,
          "chgp": "9.82%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "801.67",
          "val2": "800.88",
          "chgp": "0.10%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.62%",
          "val2": "2.34%",
          "chgp": "-0.72%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.54%",
          "val2": "4.66%",
          "chgp": "-1.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "549.67",
          "val2": "507.88",
          "chgp": "8.23%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 10.39% vs 11.77% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 9.83% vs 5.76% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 4301.33,
          "val2": 3896.45,
          "chgp": "10.39%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,237.67",
          "val2": "1,164.91",
          "chgp": "6.25%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.42%",
          "val2": "2.19%",
          "chgp": "-0.77%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.36%",
          "val2": "4.47%",
          "chgp": "-1.11%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "835.67",
          "val2": "760.91",
          "chgp": "9.83%",
          "chgp_class": "positive"
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  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
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        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 11.8% vs 14.85% in Mar 2023",
        "dir": -1
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      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 8.35% vs 23.33% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
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      "body": [
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          "field": "Interest Earned",
          "val1": 5270.57,
          "val2": 4714.34,
          "chgp": "11.8%",
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        },
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          "field": "Operating Profit (PBDIT)",
          "val1": "1,516.73",
          "val2": "1,817.98",
          "chgp": "-16.57%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.97%",
          "val2": "2.36%",
          "chgp": "-0.39%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.99%",
          "val2": "4.37%",
          "chgp": "-0.38%",
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Net Profit",
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          "val2": "937.48",
          "chgp": "8.35%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
1478.74
1433.95
3.12%
Operating Profit (PBDIT)
436.00
428.18
1.83%
% of Net NPAs
1.42%
1.62%
-0.20%
% of Gross NPAs
3.36%
3.54%
-0.18%
Exceptional Items
0.00
0.00
Net Profit
286.00
285.18
0.29%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 3.12% vs 3.26% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 0.29% vs 7.82% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
2822.59
2570.21
9.82%
Operating Profit (PBDIT)
801.67
800.88
0.10%
% of Net NPAs
1.62%
2.34%
-0.72%
% of Gross NPAs
3.54%
4.66%
-1.12%
Exceptional Items
0.00
0.00
Net Profit
549.67
507.88
8.23%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 9.82% vs 12.7% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 8.23% vs 1.25% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
4301.33
3896.45
10.39%
Operating Profit (PBDIT)
1,237.67
1,164.91
6.25%
% of Net NPAs
1.42%
2.19%
-0.77%
% of Gross NPAs
3.36%
4.47%
-1.11%
Exceptional Items
0.00
0.00
Net Profit
835.67
760.91
9.83%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 10.39% vs 11.77% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 9.83% vs 5.76% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
5270.57
4714.34
11.8%
Operating Profit (PBDIT)
1,516.73
1,817.98
-16.57%
% of Net NPAs
1.97%
2.36%
-0.39%
% of Gross NPAs
3.99%
4.37%
-0.38%
Exceptional Items
0.00
0.00
Net Profit
1,015.73
937.48
8.35%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 11.8% vs 14.85% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 8.35% vs 23.33% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About City Union Bank Ltd. stock-summary
stock-summary
City Union Bank Ltd.
Mid Cap
Bank - Private
City Union Bank Limited is one of the leading scheduled commercial banks in the private sector with major presence in urban, semi-urban and rural centers in South India. The Bank is engaged in providing a wide range of Banking and Financial Services including Commercial Banking and treasury operations. Their products include savings accounts, current accounts, fixed deposits, cash certificates, VIP deposit, Flexifix deposits, CUB Smart deposits and tax saver gold deposit account.
Company Coordinates stock-summary
Company Details
No 149 T S R (Big) Street , Kumbakonam Tamil Nadu : 612001
stock-summary
Tel: 91-435-2402322/2401622/2402412
stock-summary
http://www.cityunionbank.com
stock-summary
shares@cityunionbank.com
Registrar Details
Karvy Computershare Pvt Ltd, Plot No 17-24 , Near Image Hospital,, Reliance Cybervilae,Vithalrao Nagar,, Madhapur, Hyderabad
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