ScoreWhy is City Union Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 2.42%
2
The Bank has a high Capital Adequacy Ratio of 20.09% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 24.20%
4
The company has declared Positive results for the last 5 consecutive quarters
- GROSS NPA(Q) Lowest at 2.42%
- NII(Q) Highest at Rs 666.54 cr
- OPERATING CF(Y) Highest at Rs 1,128.30 Cr
5
High Institutional Holdings at 62.71%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating Performance
- The stock has generated a return of 46.45% in the last 1 year, much higher than market (BSE500) returns of 2.12%
Real-Time Research ReportHow much should you buy?
- 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
City Union Bank
46.45%
1.48
31.45%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.51%
Net Profit Growth (5y)
24.20%
Advance to Deposit
81.99%
Capital Adequacy Ratio (Tier 1)
20.09%
Gross NPA (latest)
2.42%
Gross NPA (avg)
4.11%
Coverage Ratio (avg)
49.50%
Cost to Income (avg)
43.94%
Net Interest Margin (avg)
3.61%
Operating Profit to Assets (avg)
4.77%
ROA (avg)
1.37%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Price to Book Value
2.03
PEG Ratio
1.18
Dividend Yield
0.74%
ROE (Latest)
12.17%
ROA (Latest)
1.43%
Net NPA to Book Value
5.17
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
GROSS NPA(Q)
Lowest at 2.42%
NII(Q)
Highest at Rs 666.54 cr
OPERATING CF(Y)
Highest at Rs 1,128.30 Cr
INTEREST EARNED(Q)
Highest at Rs 1,653.13 cr
PAT(Q)
Highest at Rs 328.59 cr.
NET NPA(Q)
Lowest at 0.90%
DPS(Y)
Highest at Rs 2.00
DPR(Y)
Highest at 13.19%
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 4,847.72 cr
PBDIT(Q)
Highest at Rs 211.46 cr.
PBT LESS OI(Q)
Highest at Rs 154.46 cr.
EPS(Q)
Highest at Rs 4.43
-4What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.57%
NON-OPERATING INCOME(Q)
is 62.65 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for City Union Bank
Gross NPA - Quarterly
Lowest at 2.42% 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 666.54 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 1,653.13 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 328.59 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 0.90% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Operating Cash Flow - Annually
Highest at Rs 1,128.30 Cr
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 211.46 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 154.46 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 154.46 cr has Grown at 20.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 128.31 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.43
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
Dividend per Share (DPS) - Annually
Highest at Rs 2.00
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 13.19%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for City Union Bank
Non Operating Income - Quarterly
is 62.65 % 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
Credit Deposit Ratio - Half Yearly
Lowest at 81.57%
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income - Quarterly
Highest at Rs 259.13 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
CAR - Quarterly
Lowest at 21.68%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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