ScoreWhy is City Union Bank Ltd. ?
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
- GROSS NPA(Q) Lowest at 3.36%
- INTEREST EARNED(Q) Highest at Rs 1,478.74 cr
- PBDIT(Q) Highest at Rs 207.61 cr.
4
Stock is technically in a Mildly Bearish range
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
5
With ROA of 1.6, it has a Fair valuation with a 1.3 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.54%, its profits have risen by 11.4% ; the PEG ratio of the company is 1
6
High Institutional Holdings at 61.1%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to City Union Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is City Union Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
City Union Bank
2.92%
0.08
30.73%
SENSEX
0.45%
0.02
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 3.36%
INTEREST EARNED(Q)
Highest at Rs 1,478.74 cr
PBDIT(Q)
Highest at Rs 207.61 cr.
PAT(Q)
Highest at Rs 286.00 cr.
NET NPA(Q)
Lowest at 1.42 %
NII(Q)
Highest at Rs 587.75 cr
EPS(Q)
Highest at Rs 3.86
-4What is not working for the Company
NON-OPERATING INCOME(Q)
is 63.27 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for City Union Bank
Gross NPA - Quarterly
Lowest at 3.36% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 1,478.74 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 207.61 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 286.00 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 1.42 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 587.75 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.86
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for City Union Bank
Non Operating Income - Quarterly
is 63.27 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Non Operating Income - Quarterly
Highest at Rs 228.39 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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