City Union Bank Ltd. provides various banking products and services to personal and corporate clients in India. More Details
Adequate balance sheet with poor track record.
Share Price & News
How has City Union Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 532210 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: 532210's weekly volatility (6%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: 532210 underperformed the Indian Banks industry which returned -3.4% over the past year.
Return vs Market: 532210 underperformed the Indian Market which returned 15.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is City Union Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is City Union Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 532210 (₹173.95) is trading above our estimate of fair value (₹34.19)
Significantly Below Fair Value: 532210 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 532210 is poor value based on its PE Ratio (31.3x) compared to the IN Banks industry average (21.8x).
PE vs Market: 532210 is poor value based on its PE Ratio (31.3x) compared to the Indian market (19.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 532210's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 532210 is overvalued based on its PB Ratio (2.3x) compared to the IN Banks industry average (1x).
How is City Union Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as City Union Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine City Union Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- City Union Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has City Union Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 532210 has a high level of non-cash earnings.
Growing Profit Margin: 532210's current net profit margins (26.5%) are lower than last year (38.6%).
Past Earnings Growth Analysis
Earnings Trend: 532210's earnings have grown by 6% per year over the past 5 years.
Accelerating Growth: 532210's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 532210 had negative earnings growth (-44.2%) over the past year, making it difficult to compare to the Banks industry average (2.7%).
Return on Equity
High ROE: 532210's Return on Equity (7.3%) is considered low.
How is City Union Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: 532210's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: 532210 has a low allowance for bad loans (46%).
Low Risk Liabilities: 92% of 532210's liabilities are made up of primarily low risk sources of funding.
Loan Level: 532210 has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: 532210's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: 532210 has a high level of bad loans (3.5%).
What is City Union Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 532210's dividend (0.29%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.44%).
High Dividend: 532210's dividend (0.29%) is low compared to the top 25% of dividend payers in the Indian market (1.81%).
Stability and Growth of Payments
Stable Dividend: 532210's dividend payments have been volatile in the past 10 years.
Growing Dividend: 532210's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: Unable to calculate sustainability of dividends as 532210 has not reported any payouts.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
N. V. Kamakodi (46 yo)
Dr. N. V. Narayanan Kamakodi, B.Tech., MBA, CAIIB, Ph.D. has been an Managing Director and Chief Executive Officer of City Union Bank Ltd. since May 1, 2011 and served as its Executive President since Janu...
CEO Compensation Analysis
Compensation vs Market: N. V.'s total compensation ($USD391.11K) is about average for companies of similar size in the Indian market ($USD486.27K).
Compensation vs Earnings: N. V.'s compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|MD, CEO & Director||9.67yrs||₹28.61m||0.33% |
|General manager of HRMD||1yr||no data||0.011% |
|Senior General Manager of Inspection||no data||no data||no data|
|Senior General Manager of Advances||no data||no data||0.0081% |
|General Manager of International Banking||1yr||no data||0.0053% |
|General Manager of Advances||1yr||no data||0.011% |
|GM of Risk Management & Chief Risk Officer||2.75yrs||no data||0.014% |
|General Manager of Computer Systems||1yr||no data||0.0092% |
|General manager of Inspection||1yr||no data||no data|
Experienced Management: 532210's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
|MD, CEO & Director||9.67yrs||₹28.61m||0.33% |
|Independent Non Executive Chairman||1.67yrs||₹3.02m||0.020% |
|Independent Non-Executive Director||4.67yrs||₹1.71m||0.0029% |
|Independent Non-Executive Director||1.58yrs||₹600.00k||0.022% |
|Independent Non-Executive Director||3.58yrs||₹1.96m||0% |
|Independent Non-Executive Director||6.25yrs||₹2.03m||0.0049% |
|Independent Non-Executive Director||2.92yrs||₹1.53m||0.098% |
|Independent Non-Executive Director||2.92yrs||₹1.52m||0.000010% |
|Independent Non-Executive Director||1.67yrs||₹660.00k||0.000010% |
Experienced Board: 532210's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 532210 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
City Union Bank Ltd.'s company bio, employee growth, exchange listings and data sources
- Name: City Union Bank Ltd.
- Ticker: 532210
- Exchange: BSE
- Founded: 1904
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₹128.445b
- Shares outstanding: 738.40m
- Website: https://www.cityunionbank.com
Number of Employees
- City Union Bank Ltd.
- Narayana No. 24-B
- Gandhi Nagar
- Tamil Nadu
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|532210||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Sep 1998|
|CUB||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Sep 1998|
City Union Bank Ltd. provides various banking products and services to personal and corporate clients in India. The company operates through four segments: Corporate/Wholesale Banking, Retail Banking, Trea...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/16 12:11|
|End of Day Share Price||2021/01/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.