Stock CUB CITY UNION BANK LIMITED
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Financials City Union Bank Limited

Equities

CUB

INE491A01021

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:40:47 2024-04-29 am EDT 		5-day change 1st Jan Change
158.9 INR -0.84% Intraday chart for City Union Bank Limited +1.40% +6.64%
Apr. 19 City Union Bank Appoints Non-Executive Chairman MT
Mar. 20 City Union Bank Opens New Branch in Ayodhya, India MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 150,462 94,957 115,219 95,332 93,181 120,866 - -
Enterprise Value (EV) 1 150,462 94,957 115,219 95,332 93,181 120,866 120,866 120,866
P/E ratio 21.6 x 20.1 x 19.6 x 12.7 x 10 x 11.5 x 10.9 x 9.66 x
Yield 0.24% 0.39% 0.19% 0.78% 0.79% 0.71% 0.77% 0.89%
Capitalization / Revenue 9.34 x 5.67 x 6.3 x 4.97 x 4.31 x 5.64 x 5.1 x 4.53 x
EV / Revenue 9.34 x 5.67 x 6.3 x 4.97 x 4.31 x 5.64 x 5.1 x 4.53 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 3.11 x 1.8 x 1.97 x 1.45 x 1.25 x 1.41 x 1.26 x 1.12 x
Nbr of stocks (in thousands) 734,501 735,814 738,822 739,585 740,416 760,640 - -
Reference price 2 204.8 129.0 156.0 128.9 125.8 158.9 158.9 158.9
Announcement Date 5/17/19 6/18/20 5/28/21 5/27/22 5/26/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 16,115 16,752 18,297 19,165 21,628 21,433 23,717 26,700
EBITDA - - - - - - - -
EBIT 1 12,400 13,414 14,838 15,953 18,180 15,778 17,651 20,100
Operating Margin 76.95% 80.07% 81.1% 83.24% 84.06% 73.61% 74.42% 75.28%
Earnings before Tax (EBT) 1 9,249 5,863 6,928 9,852 11,775 12,538 13,877 15,589
Net income 1 6,829 4,763 5,928 7,602 9,375 10,195 10,798 12,219
Net margin 42.37% 28.43% 32.4% 39.66% 43.35% 47.56% 45.53% 45.76%
EPS 2 9.490 6.410 7.970 10.18 12.57 13.79 14.64 16.46
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.5000 0.5000 0.3000 1.000 1.000 1.123 1.228 1.410
Announcement Date 5/17/19 6/18/20 5/28/21 5/27/22 5/26/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 4,890 4,285 4,476 4,783 4,900 5,007 5,249 5,679 5,557 - 5,225 5,452 5,504 5,400
EBITDA - - - - - - - - - - - - - -
EBIT 1 4,584 2,847 3,830 4,051 3,696 4,399 4,471 4,565 4,973 4,170 4,143 4,139 4,104 3,826
Operating Margin 93.74% 66.44% 85.57% 84.7% 75.44% 87.85% 85.18% 80.38% 89.49% - 79.28% 75.91% 74.56% 70.84%
Earnings before Tax (EBT) 1 2,399 461.9 2,130 2,571 2,461 2,690 2,951 3,515 2,728 2,580 2,623 2,838 3,218 3,229
Net income 1 1,699 1,112 1,730 1,821 1,961 2,090 2,251 2,765 2,178 2,180 2,273 2,249 2,587 2,589
Net margin 34.75% 25.95% 38.65% 38.08% 40.03% 41.74% 42.89% 48.68% 39.2% - 43.49% 41.25% 47% 47.94%
EPS 2 2.280 1.490 2.310 2.430 2.620 2.800 3.010 3.700 2.920 2.920 3.050 2.900 3.400 3.480
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 2/3/21 5/28/21 8/6/21 11/12/21 2/4/22 5/27/22 8/8/22 11/4/22 2/11/23 5/26/23 8/11/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.2% 9.4% 10.6% 12.3% 13.4% 12.9% 12.2% 12.2%
ROA (Net income/ Total Assets) 1.6% 1% 1.15% 1.35% 1.46% 1.5% 1.43% 1.45%
Assets 1 425,983 476,315 515,498 563,085 642,109 678,335 752,843 840,760
Book Value Per Share 2 65.90 71.60 79.10 89.00 101.0 113.0 127.0 142.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/17/19 6/18/20 5/28/21 5/27/22 5/26/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for City Union Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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