City Union Bank

167.61

-2.87

(-1.68%)

Market Cap (₹ Cr.)

₹12,628

52 Week High

176.82

Book Value

₹

52 Week Low

124.15

PE Ratio

11.99

PB Ratio

1.50

PE for Sector

15.46

PB for Sector

1.77

ROE

12.09 %

ROCE

6.18 %

Dividend Yield

0.88 %

EPS

₹14.22

Industry

Banks

Sector

Banks - Private Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

8.82 %

Net Income Growth

8.35 %

Cash Flow Change

-39.76 %

ROE

-3.83 %

ROCE

10.39 %

EBITDA Margin (Avg.)

7.63 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	805	811	829	850	864	883	895	954	926	961	996	987	990	1,019	1,045	1,086	1,131	1,193	1,232	1,203	1,221	1,210	1,230	1,268	1,121	1,191	1,225	1,195	1,253	1,317	1,355	1,430	1,423	1,458	1,486	1,519	1,549	1,581
Expenses	189	176	179	214	218	226	236	268	260	297	319	276	280	282	289	310	320	345	368	342	714	399	437	469	527	428	424	404	435	447	390	507	451	452	390	391	402	403
EBITDA	615	634	650	636	645	657	659	686	666	663	677	711	711	736	756	777	811	848	864	861	507	811	793	799	594	763	801	791	818	870	965	923	972	1,006	1,096	1,128	1,147	1,178
Operating Profit %	72 %	75 %	76 %	71 %	71 %	71 %	70 %	67 %	67 %	64 %	62 %	68 %	68 %	68 %	69 %	68 %	67 %	67 %	65 %	68 %	31 %	62 %	59 %	55 %	46 %	57 %	59 %	61 %	59 %	59 %	67 %	58 %	63 %	64 %	70 %	71 %	71 %	71 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	484	482	495	494	492	492	489	504	489	483	486	500	503	515	528	549	564	612	625	634	622	612	586	559	548	550	544	545	549	575	613	650	714	744	766	810	828	843
Profit Before Tax	132	152	155	142	153	165	170	182	176	180	191	211	208	222	228	228	247	236	239	227	-115	199	208	240	46	213	257	246	269	295	351	273	258	262	331	318	320	334
Tax	33	41	48	29	41	42	46	55	48	40	46	56	56	60	60	50	72	50	45	35	-20	45	50	70	-65	40	75	50	60	70	75	55	40	35	50	65	65	70
Net Profit	99	112	108	113	112	124	124	127	129	140	145	155	152	162	168	178	175	186	194	192	-95	154	158	170	111	173	182	196	209	225	276	218	218	227	281	253	255	264
EPS in ₹	1.66	1.87	1.81	1.89	1.88	2.07	2.07	2.12	2.10	2.33	2.22	2.33	2.29	2.43	2.30	2.43	2.39	2.53	2.63	2.62	-1.29	2.09	2.14	2.30	1.51	2.34	2.46	2.65	2.83	3.04	3.74	2.94	2.95	3.08	3.78	3.42	3.44	3.57

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826
Fixed Assets	210	218	215	223	250	245	233	215	239	270
Current Assets	0	0	0	0	0	0	0	0	0	0
Capital Work in Progress	0	0	0	0	0	0	0	0	0	0
Investments	5,871	6,826	7,031	7,879	7,712	9,117	9,436	12,221	14,333	15,664
Other Assets	21,790	24,760	28,024	31,835	37,297	40,372	43,643	49,095	52,023	54,891
Total Liabilities	25,176	28,752	31,701	35,774	40,418	44,437	47,469	54,945	59,137	62,424
Current Liabilities	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities	25,176	28,752	31,701	35,774	40,418	44,437	47,469	54,945	59,137	62,424
Total Equity	2,696	3,052	3,570	4,163	4,841	5,296	5,842	6,586	7,457	8,401
Reserve & Surplus	2,636	2,992	3,510	4,097	4,767	5,222	5,769	6,512	7,383	8,327
Share Capital	60	60	60	66	73	74	74	74	74	74

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	357	113	229	-243	327	1,758	893	1,072	-38	294
Investing Activities	-64	-60	-50	-61	-87	-60	-38	-63	-72	-106
Operating Activities	131	248	284	-183	419	1,836	922	1,166	724	436
Financing Activities	291	-75	-4	1	-5	-18	10	-31	-690	-36

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
FIIs	18.00 %	17.15 %	16.14 %	16.00 %	18.12 %	18.16 %	21.32 %	23.74 %	24.95 %	25.33 %	23.66 %	26.60 %	26.96 %	26.44 %
DIIs	39.10 %	41.66 %	42.11 %	43.94 %	41.22 %	41.64 %	40.14 %	37.73 %	36.19 %	33.13 %	33.20 %	32.40 %	29.51 %	32.57 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	42.89 %	41.20 %	41.75 %	40.06 %	40.66 %	40.19 %	38.54 %	38.52 %	38.86 %	41.54 %	43.14 %	41.01 %	43.54 %	40.99 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
HDFC Bank	1,708.50	12,72,590.50	18.67	4,07,994.78	99.35	65,447	38.58	71.08
ICICI Bank	1,292.00	8,93,548.63	19.72	2,36,037.73	26.78	45,007	13.15	72.48
Axis Bank	1,242.70	3,80,782.72	14.24	1,37,989.36	30.43	26,424	5.79	68.55
Kotak Bank	1,871.95	3,66,987.06	19.69	94,273.91	38.35	17,977	79.47	69.35
Indusind Bank	1,484.75	1,14,312.81	12.67	55,143.99	23.81	8,977	2.18	67.47
IDBI Bank	88.26	98,201.69	15.61	30,370.41	20.68	5,814	40.90	41.59
Yes Bank	22.95	73,345.03	50.87	32,960.89	23.98	1,285	48.84	39.19
IDFC First Bank	73.82	54,808.39	19.23	36,256.84	33.32	2,942	-12.15	50.56
AU Small Finance Bank	752.50	53,470.73	31.22	1,445.99	19.10	761	29.90	80.04
Federal Bank	186.20	45,169.80	11.22	26,781.95	32.27	3,928	17.18	41.37

Corporate Action

Technical Indicators

RSI(14)

Neutral

50.07

ATR(14)

Volatile

4.61

STOCH(9,6)

Neutral

51.22

STOCH RSI(14)

Neutral

54.02

MACD(12,26)

Bearish

-0.20

ADX(14)

Weak Trend

12.49

UO(9)

Bearish

45.36

ROC(12)

Downtrend But Slowing Down

-0.99

WillR(14)

Neutral

-59.42