equitymaster.comFalseFalseCITY UNION BANK |
|
Price History |
Price | Rs | 127.8 | | % ch | % | -0.5 |
Mkt Cap | Rs m | 94,658 | | No. of
shares | m | 740.67 |
Vol | '000 | 49.4 | | % ch week | % | -3.9 |
P/E | X | 9.7 | | % ch 1-mth | % | -7.1 |
P/CF | X | 4.5 | | % ch 12-mth | % | -4.1 |
EPS (TTM) | Rs | 13.2 | | 52 week H/L | Rs | 167.7/119.5 |
(As on Mar 19, 2024 03:33:00 PM) |
|
Financials |
* Results Consolidated | No. of Months
Year Ending | 12
Mar-19* | 12
Mar-20* | 12
Mar-21* | 12
Mar-22* | 12
Mar-23* |
EQUITY SHARE DATA |
High | Rs | 207 | 249 | 200 | 184 | 205 |
Low | Rs | 157 | 119 | 110 | 109 | 118 |
Income per share (Unadj.) | Rs | 51.3 | 56.5 | 56.0 | 55.5 | 63.7 |
Earnings per share (Unadj.) | Rs | 9.3 | 6.5 | 8.0 | 10.3 | 12.7 |
Diluted earnings per share | Rs | 9.2 | 6.4 | 8.0 | 10.3 | 12.7 |
Cash flow per share (Unadj.) | Rs | 17.1 | 10.0 | 11.8 | 16.6 | 19.6 |
Dividends per share (Unadj.) | Rs | 0.50 | 0.50 | 0.30 | 1.00 | 1.00 |
Adj. dividends per share | Rs | 0.50 | 0.50 | 0.30 | 1.00 | 1.00 |
Avg Dividend yield | % | 0.3 | 0.3 | 0.2 | 0.7 | 0.6 |
Book value per share (Unadj.) | Rs | 65.9 | 71.8 | 79.1 | 89.0 | 100.7 |
Adj. book value per share | Rs | 65.4 | 71.5 | 78.9 | 88.9 | 100.7 |
Shares outstanding (eoy) | m | 734.50 | 737.32 | 738.82 | 739.58 | 740.42 |
Bonus / Rights / Conversions | | 0 | 0 | 0 | 0 | 0 |
Avg Price / Income ratio | x | 3.5 | 3.3 | 2.8 | 2.6 | 2.5 |
Avg P/E ratio | x | 19.6 | 28.4 | 19.3 | 14.2 | 12.7 |
Avg P/CF ratio | x | 10.8 | 10.1 | 7.8 | 6.8 | 6.6 |
Avg Price/Bookvalue ratio | x | 2.8 | 2.6 | 2.0 | 1.6 | 1.6 |
Dividend payout | % | 5.4 | 7.7 | 3.7 | 9.7 | 7.9 |
Avg Mkt Cap | Rs m | 133,734 | 135,482 | 114,480 | 108,072 | 119,411 |
No. of employees | `000 | NA | NA | NA | NA | NA |
Total wages & salary | Rs m | 3,644 | 4,207 | 4,637 | 5,036 | 5,304 |
Avg. income/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. wages/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. net profit/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
INCOME DATA |
Interest income | Rs m | 37,672 | 41,686 | 41,347 | 41,048 | 47,143 |
Other income | Rs m | 5,144 | 6,799 | 6,888 | 7,591 | 8,104 |
Interest expense | Rs m | 21,557 | 24,934 | 23,050 | 21,883 | 25,515 |
Net interest income | Rs m | 16,115 | 16,752 | 18,297 | 19,165 | 21,628 |
Operating expense | Rs m | 8,859 | 10,137 | 10,506 | 10,803 | 11,552 |
Gross profit | Rs m | 7,256 | 6,615 | 7,791 | 8,362 | 10,076 |
Gross profit margin | % | 19.3 | 15.9 | 18.8 | 20.4 | 21.4 |
Provisions/contingencies | Rs m | 5,571 | 8,651 | 8,750 | 8,351 | 8,805 |
Profit before tax | Rs m | 9,249 | 5,863 | 6,928 | 9,852 | 11,775 |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | 0 | 0 | 0 |
Minority Interest | Rs m | 0 | 0 | 0 | 0 | 0 |
Prior Period Items | Rs m | 0 | 0 | 0 | 0 | 0 |
Tax | Rs m | 2,420 | 1,100 | 1,000 | 2,250 | 2,400 |
Profit after tax | Rs m | 6,829 | 4,763 | 5,928 | 7,602 | 9,375 |
Net profit margin | % | 18.1 | 11.4 | 14.3 | 18.5 | 19.9 |
BALANCE SHEET DATA |
Advances | Rs m | 326,733 | 339,274 | 361,578 | 403,585 | 430,533 |
Deposits | Rs m | 384,479 | 408,325 | 445,374 | 476,897 | 523,979 |
Credit/Deposit ratio | x | 85.0 | 83.1 | 81.2 | 84.6 | 82.2 |
Yield on advances | % | 9.7 | 10.3 | 9.7 | 8.6 | 8.8 |
Cost of deposits | % | 5.5 | 6.0 | 5.0 | 4.4 | 4.4 |
Net Interest Margin | % | 4.0 | 3.9 | 4.0 | 3.6 | 3.8 |
Net fixed assets | Rs m | 2,500 | 2,452 | 2,327 | 2,147 | 2,393 |
Share capital | Rs m | 735 | 737 | 739 | 740 | 740 |
Free reserves | Rs m | 47,673 | 52,223 | 57,686 | 65,117 | 73,832 |
Net worth | Rs m | 48,408 | 52,961 | 58,425 | 65,857 | 74,572 |
Borrowings | Rs m | 4,809 | 20,324 | 13,457 | 53,118 | 46,881 |
Investments | Rs m | 77,122 | 91,168 | 94,359 | 122,212 | 143,326 |
Total assets | Rs m | 452,589 | 497,335 | 533,117 | 615,309 | 665,946 |
Debt/equity ratio | x | 8.0 | 8.1 | 7.9 | 8.0 | 7.7 |
Return on assets | % | 1.5 | 1.0 | 1.1 | 1.2 | 1.4 |
Return on equity | % | 14.1 | 9.0 | 10.1 | 11.5 | 12.6 |
Capital adequacy ratio | % | 15.6 | 16.8 | 19.5 | 20.9 | 22.3 |
Net NPAs | % | 1.8 | 2.3 | 4.1 | 3.0 | 2.4 |
CASH FLOW |
From Operations | Rs m | 4,186 | 18,362 | 9,218 | 11,655 | 1,004 |
From Investments | Rs m | -867 | -596 | -380 | -628 | -719 |
From Financial Activity | Rs m | -51 | -183 | 96 | -308 | -662 |
Net Cashflow | Rs m | 3,268 | 17,584 | 8,934 | 10,719 | -377 |
* Results Consolidated | Source: Company Annual Reports, Regulatory Filings, Equitymaster |
|
Share Holding |
Indian Promoters: | 0.0% |
Foreign collaborators: | 0.0% |
Indian inst/Mut Fund: | 59.0% |
FIIs: | 26.6% |
ADR/GDR: | 0.0% |
Free float: | 100.0% |
Shareholders: | 216,019 |
Pledged promoter(s) holding: | 0.0% |
|
Company Information |
REGD OFF: | 149, T S R ( Big ) Street, Thanjavur District, Kumbakonam - 612001 |
E-MAIL: | shares@cityunionbank.com |
WEB: | www.cityunionbank.com |
TELEPHONE: | 0435- 2402322 |
FAX: | 0435- 2431746 |
SECTOR: | BANKING |
GROUP: | City Union Bank |
TR AGENT: | Integrated Registrary Management Services Pvt Ltd.-(Formerly Integrated Enterprises (India) Ltd), II Floor Kences Towers, No 1 Ramakrishna Street, North Usman Road T Nagar |
AUDITOR: | P. Chandrasekar |
CHM: | M Narayanan |
COMP SEC: | V Ramesh |
YEAR OF INC: | 1904 |
BSE CODE: | 532210 |
FV (Rs): | 1 |
DIV YIELD (%): | 0.8 |