City Union Bank Ltd. provides various banking products and services to personal and corporate clients in India.
Adequate balance sheet with acceptable 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: CUB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CUB exceeded the Indian Banks industry which returned 8.1% over the past year.
Return vs Market: CUB exceeded the Indian Market which returned 9.5% over the past year.
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
1 week ago | Simply Wall StHere's Why We Think City Union Bank (NSE:CUB) Is Well Worth Watching
4 weeks ago | Simply Wall StWhat Kind Of Shareholders Own City Union Bank Ltd. (NSE:CUB)?
1 month ago | Simply Wall StHave Insiders Been Selling City Union Bank Ltd. (NSE:CUB) Shares This Year?
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: CUB (₹221.85) is trading above our estimate of fair value (₹48.35)
Significantly Below Fair Value: CUB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CUB is poor value based on its PE Ratio (21.8x) compared to the Banks industry average (18.1x).
PE vs Market: CUB is poor value based on its PE Ratio (21.8x) compared to the Indian market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CUB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CUB is overvalued based on its PB Ratio (3.1x) compared to the IN Banks industry average (0.6x).
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: CUB has high quality earnings.
Growing Profit Margin: CUB's current net profit margins (38.7%) are higher than last year (38%).
Past Earnings Growth Analysis
Earnings Trend: CUB's earnings have grown by 13.8% per year over the past 5 years.
Accelerating Growth: CUB's earnings growth over the past year (13.2%) is below its 5-year average (13.8% per year).
Earnings vs Industry: CUB earnings growth over the past year (13.2%) underperformed the Banks industry 25.5%.
Return on Equity
High ROE: CUB's Return on Equity (14.4%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: CUB has a low level of unsold assets or inventory.
Debt Coverage by Assets: CUB's debt is covered by short term assets (assets are 3.8x debt).
Financial Institutions Analysis
Asset Level: CUB's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if CUB has a sufficient allowance for bad loans.
Low Risk Liabilities: CUB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CUB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CUB's loans are broadly funded by customer deposits.
Level of Bad Loans: CUB has a high level of bad loans (3.47%)
What is City Union Bank's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: CUB's dividend (0.23%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.59%).
High Dividend: CUB's dividend (0.23%) is low compared to the top 25% of dividend payers in the Indian market (2.59%).
Stability and Growth of Payments
Stable Dividend: CUB is not paying a notable dividend for the Indian market, therefore no need to check if payments are stable.
Growing Dividend: CUB is not paying a notable dividend for the Indian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: CUB is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CUB's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
N. V. Kamakodi (45yo)
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 Jan ...
CEO Compensation Analysis
Compensation vs Market: N. V.'s total compensation ($USD129.08K) is below average for companies of similar size in the Indian market ($USD634.25K).
Compensation vs Earnings: N. V.'s compensation has been consistent with company performance over the past year.
|MD, CEO & Director||8.8yrs||₹9.27m||0.14% ₹236.6m|
|Chief GM & COO||3.1yrs||no data||0.0085% ₹13.9m|
|General Manager||0yrs||no data||no data|
|Senior General Manager||0yrs||no data||0.00020% ₹327.5k|
|General Manager||0yrs||no data||0.0093% ₹15.2m|
|Deputy GM & Chief Risk Officer||1.8yrs||no data||0.012% ₹20.4m|
|Chief Manager||9.3yrs||no data||no data|
|Chief Manager||0yrs||no data||no data|
|Chief Manager||0yrs||no data||no data|
Experienced Management: CUB's management team is considered experienced (4.6 years average tenure).
|MD, CEO & Director||8.8yrs||₹9.27m||0.14% ₹236.6m|
|Non Executive Chairman||0.8yrs||₹2.05m||0.020% ₹32.3m|
|Independent Non-Executive Director||3.5yrs||₹1.84m||0.00015% ₹245.6k|
|Independent Director||3.8yrs||₹1.67m||0.0029% ₹4.8m|
|Additional Director||0.7yrs||₹155.62k||0.022% ₹36.6m|
|Independent Director||2.7yrs||₹1.61m||no data|
|Independent Director||5.3yrs||₹1.99m||0.0049% ₹8.1m|
|Additional Director||2yrs||₹896.16k||0.095% ₹156.0m|
|Additional Director||2yrs||₹826.16k||0.000010% ₹16.4k|
|Independent Director||0.8yrs||no data||0.000010% ₹16.4k|
Experienced Board: CUB's board of directors are not considered experienced ( 2.3 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: CUB insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.9%.
City Union Bank Ltd.'s company bio, employee growth, exchange listings and data sources
- Name: City Union Bank Ltd.
- Ticker: CUB
- Exchange: NSEI
- Founded: 1904
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₹163.755b
- Shares outstanding: 735.81m
- 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. It operates through four segments: Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The company offers savings and current accounts; salary accounts; and fixed deposits, flexi fix, recurring, and tax saver deposits. It also provides four and two wheeler loans, educational loans, housing loans, consumer and jewel loans, cash credits, working capital loans, bank guarantees, letters of credit, bills finance, foreign currency loans, and overdrafts. In addition, the company offers ATM services; locker facilities, cards, and cash management services; and real time gross settlement and national electronic fund transfer services. As of March 31, 2019, it operated through a network of 650 branches and 1,685 ATMs. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Ltd. in November 1987. City Union Bank Ltd. was incorporated in 1904 and is based in Kumbakonam, India.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/24 12:57|
|End of Day Share Price||2020/02/24 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.