ScoreWhy is City Union Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 2.17%
2
The Bank has a high Capital Adequacy Ratio of 19.81% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 26.56%
4
The company has declared Positive results for the last 6 consecutive quarters
- GROSS NPA(Q) Lowest at 2.17%
- NII(Q) Highest at Rs 752.17 cr
- INTEREST EARNED(Q) Highest at Rs 1,755.68 cr
5
With ROA of 1.5, it has a Expensive valuation with a 1.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 55.83%, its profits have risen by 15.1% ; the PEG ratio of the company is 1
6
High Institutional Holdings at 63.73%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.02% over the previous quarter.
7
Market Beating Performance
- Even though the market (BSE500) has generated negative returns of -0.34% in the last 1 year, the stock has been able to generate 55.83% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to City Union Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
City Union Bank
55.83%
1.57
35.66%
Sensex
-3.52%
-0.27
13.03%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.40%
Net Profit Growth (5y)
26.56%
Advance to Deposit
82.27%
Capital Adequacy Ratio (Tier 1)
19.81%
Gross NPA (latest)
2.17%
Gross NPA (avg)
3.97%
Coverage Ratio (avg)
50.76%
Cost to Income (avg)
44.58%
Net Interest Margin (avg)
3.47%
Operating Profit to Assets (avg)
4.59%
ROA (avg)
1.40%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Price to Book Value
1.85
PEG Ratio
0.99
Dividend Yield
0.81%
ROE (Latest)
12.64%
ROA (Latest)
1.49%
Net NPA to Book Value
4.73
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
GROSS NPA(Q)
Lowest at 2.17%
NII(Q)
Highest at Rs 752.17 cr
INTEREST EARNED(Q)
Highest at Rs 1,755.68 cr
PAT(Q)
Highest at Rs 332.16 cr.
NET NPA(Q)
Lowest at 0.78%
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 4,847.72 cr
PBDIT(Q)
Highest at Rs 267.81 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 15.25%
PBT LESS OI(Q)
Highest at Rs 171.81 cr.
EPS(Q)
Highest at Rs 4.48
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 58.81 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for City Union Bank
Gross NPA - Quarterly
Lowest at 2.17% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 752.17 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,755.68 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 332.16 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 0.78% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 267.81 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 15.25%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 171.81 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 171.81 cr has Grown at 28.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 133.96 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.48
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 4,847.72 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for City Union Bank
Non Operating Income - Quarterly
is 58.81 % 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
CAR - Quarterly
Lowest at 20.13%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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