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CITY UNION BANK LTD.
Sector : Banks


BSE  117.95   -1.05   (-0.88%)   BSE Code : 532210   NSE Code : CUB

PREV. CLOSE
119.0
OPEN PRICE
120.0
CLOSE PRICE
117.95
VOLUME
118233
TODAY's LOW
117.6
TODAY's HIGH
120.2




Important Levels
Pivot Points - 118.58
Resistance 1 119.57
Resistance 2 121.18
Support 1 116.97
Support 2 115.98

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 120.0 120.2 117.6 117.95 -0.88 118233
11/08/2020 117.1 122.85 117.1 119.3 0.25 65513
10/08/2020 121.1 124.35 119.5 119.85 -1.76 40127
05/08/2020 117.65 118.9 115.55 116.2 -0.68 78589
04/08/2020 117.05 120.0 116.7 117.0 0 28799
03/08/2020 119.25 121.95 117.3 117.7 -2.73 109666
31/07/2020 123.0 123.25 120.85 121.25 -0.61 35778
30/07/2020 121.4 125.0 121.0 122.75 1.45 48761
29/07/2020 122.8 123.2 121.25 121.4 0.33 22614
27/07/2020 126.9 126.9 122.25 122.55 -2.74 54386

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 118.06
10 Days 119.59
15 Days 121.46
25 Days 124.14
30 Days 123.86
Exponential Moving Average
5 Days 118.69
10 Days 119.82
12 Days 120.29
20 Days 121.97

MACD
12 Day EMA 120.29
26 Day EMA 123.05
MACD -2.76
Signal Line -2.48
Other Technical Indicators
Non - Smoothed RSI 38.26
Smoothed RSI 40.1
ROC -5.15
William %R -80.49
Upper Bollinger Band 130.28
Lower Bollinger Band 114.67
Middle Bollinger Band 122.47

Technical Analysis
Over Bought by RSI? No
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? Yes

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
Liabilities
Share Capital 73.73 73.45 66.47 60.11 59.82
Reserves & Surplus 5222.34 4767.31 4096.76 3510.09 2992.18
Net Worth 5296.07 4840.76 4163.24 3570.2 3052
Secured Loans 2032.4 480.91 1735.88 531 112.55
Unsecured Loans 40832.49 38447.95 32852.62 30115.74 27158.13
TOTAL LIABILITIES 48160.96 43769.61 38751.74 34216.93 30322.67
Assets
Gross Block 245.16 250.03 223.13 215.08 217.56
(-) Acc. Depreciation 0 0 0 0 0
Net Block 245.16 250.03 223.13 215.08 217.56
Capital Work in Progress. 0 0 0 0 0
Investments 9116.79 7712.2 7879.11 7031.45 6324.45
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 4721.65 2963.28 2636.44 2878.98 2600.07
Loans And Advances 35649.94 34333.37 29198.57 25145.27 22109.88
Total Current Assets 40371.58 37296.65 31835.01 28024.25 24709.95
Current Liabilities 1572.57 1489.27 1185.51 1053.84 929.29
Provisions 0 0 0 0 0
Total Current Liabilities 1572.57 1489.27 1185.51 1053.84 929.29
NET CURRENT ASSETS 38799.02 35807.38 30649.5 26970.4 23780.67
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 48160.96 43769.61 38751.74 34216.93 30322.67

Profit and Loss

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
INCOME:
Sales Turnover 4168.60 3767.17 3402.42 3173.79 2944.21
Excise Duty .00 .00 0.00 0.00 0.00
NET SALES 4168.60 3767.17 3402.42 3173.79 2944.21
Other Income 679.9462 514.3887 0.00 0.00 0.00
TOTAL INCOME 4848.55 4281.56 3934.52 3657.73 3354.19
EXPENDITURE:
Manufacturing Expenses .00 .00 0.00 0.00 0.00
Material Consumed .00 .00 0.00 0.00 0.00
Personal Expenses 420.65 364.44 315.88 298.14 213.17
Selling Expenses 23.04 19.31 18.12 16.58 0.00
Administrative Expenses 1246.14 755.78 368.18 321.24 292.13
Expenses Capitalised .00 .00 0.00 0.00 0.00
Provisions Made 755.08 315.14 417.75 300.97 230.59
TOTAL EXPENDITURE 2444.92 1454.67 1119.94 936.93 735.89
Operating Profit -14.64 471.96 728.12 562.81 475.73
EBITDA 3913.80 3457.17 3232.34 3021.77 2848.89
Depreciation 78.99 61.50 52.46 53.01 52.43
Other Write-offs .00 .00 0.00 0.00 0.00
EBIT 3834.81 3395.67 3179.87 2968.76 2796.46
Interest 2493.41 2155.68 1972.12 1975.02 1963.17
EBT 586.32 924.85 790.00 2667.79 2565.87
Taxes 110.00 242.00 198.00 190.00 158.00
Profit and Loss for the Year 476.32 682.85 592.00 2477.79 2407.87
Non Recurring Items .00 .00 0.00 0.00 0.00
Other Non Cash Adjustments .00 .00 0.00 0.00 0.00
Other Adjustments .00 .00 0.00 -1975.02 -1963.17
REPORTED PAT 476.32 682.85 592.00 502.77 444.69
KEY ITEMS
Preference Dividend .00 .00 0.00 0.00 0.00
Equity Dividend 29.21 17.44 15.80 0.00 51.07
Equity Dividend (%) 39.61 23.75 23.76 0.00 85.37
Shares in Issue (Lakhs) 7373.19 7345.01 6647.29 6010.65 5981.91
EPS - Annualised (Rs) 6.460161748 9.296787887 8.91 8.36 7.43

Quarterly

(Rs. in Crores)

Particulars 2020-09 2020-06 2020-03 2019-12 2019-09
INCOME:
Net Sales Turnover 1060.95 1049.36 1041.68 1060.87 1036.82
Other Income 169.32 160.59 179.31 142.37 194.97
TOTAL INCOME 1230.28 1209.95 1220.98 1203.24 1231.8
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 119.87 116.42 93.83 113.36 113.09
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 139.92 125.09 169.88 147.85 146.95
Provisions Made 177 157 450.38 81 107.95
TOTAL EXPENSES 436.79 398.52 714.09 342.21 367.99
Operating Profit 624.16 650.84 327.58 718.66 668.83
EBITDA 793.48 811.43 506.89 861.03 863.81
Depreciation 0 0 0 0 0
EBIT 970.48 968.43 957.27 942.03 971.76
Interest 585.82 612.4 622.18 633.6 625.28
EBT 384.67 356.04 335.09 308.43 346.48
Taxes 50 45 -20 35 45
Profit and Loss for the Year 334.67 311.04 355.09 273.43 301.48
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -177 -157 -450.38 -81 -107.95
REPORTED PAT 157.67 154.04 -95.29 192.43 193.53
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 73.84 73.73 73.73 73.58 73.53
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 0 0 0 0 0
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of CITY UNION BANK LTD. Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
Key Stats
Earnings Per Share 6.46 9.3 8.91 8.36 7.43
Profitability Ratios
Operating Profit Margin(%) -0.35 12.53 21.4 17.73 16.16
Profit Before Interest And Tax Margin(%) 91.99 90.14 93.46 93.54 94.98
Net Profit Margin(%) 11.43 18.13 17.4 15.84 15.1
Return On Capital Employed(%) 1.02 1.62 1.58 7.47 8.19
Return On Net Worth(%) 8.99 14.11 14.22 14.08 14.57
Return on Assets(%) 0.99 1.56 1.53 1.47 1.47
Tax Rate(%) 18.76 26.17 25.06 7.12 6.16
Liquidity And Solvency Ratios
Current Ratio 25.67 25.04 26.85 26.59 26.59
Quick Ratio 25.67 25.04 26.85 26.59 26.59
Debt Equity Ratio 8.09 8.04 8.31 8.58 8.94
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.54 1.58 1.61 1.5 1.42
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.09 0.09 0.09 0.09 0.1
Margin Ratios
Core EBITDA Margin(%) 80.72 80.75 82.15 82.61 84.94
EBIT Margin(%) 79.09 79.31 80.82 81.16 83.37
PAT Margin(%) 11.43 18.13 17.4 15.84 15.1

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