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CITY UNION BANK LTD.
Sector : Banks


BSE  116.2   -0.8   (-0.68%)   BSE Code : 532210   NSE Code : CUB

PREV. CLOSE
117.0
OPEN PRICE
117.65
CLOSE PRICE
116.2
VOLUME
78589
TODAY's LOW
115.55
TODAY's HIGH
118.9




Important Levels
Pivot Points - 116.88
Resistance 1 118.22
Resistance 2 120.23
Support 1 114.87
Support 2 113.53

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
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
24/07/2020 125.6 127.85 122.15 126.05 0.84 51072
23/07/2020 123.25 126.2 123.25 125.6 1.29 47654
22/07/2020 126.2 127.0 124.0 124.35 -1.31 72414

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 434.85 425.8 479.05 418.0 447.3
Gain / Loss % 1.6 2.13 -9.23 4.03 -2.78
BANK OF BARODA Price 46.4 46.0 48.7 49.05 50.75
Gain / Loss % 0.87 0.87 -4.72 -5.4 -8.57
BANK OF INDIA Price 48.3 46.4 48.5 46.7 49.55
Gain / Loss % 0.62 4.09 -0.41 3.43 -2.52
BANK OF MAHARASHTRA Price 11.88 12.11 11.62 10.95 10.91
Gain / Loss % 8 -1.9 2.24 8.49 8.89
CANARA BANK Price 103.15 99.3 102.05 100.75 104.4
Gain / Loss % -0.82 3.88 1.08 2.38 -1.2
CENTRAL BANK OF INDIA Price 17.5 18.5 17.85 16.65 17.45
Gain / Loss % 2.94 -5.41 -1.96 5.11 0.29
CITY UNION BANK LTD. Price 116.2 122.75 124.35 124.85 130.85
Gain / Loss % -0.68 -5.34 -6.55 -6.93 -11.2
DEVELOPMENT CREDIT BANK LTD. Price 81.8 77.9 81.4 79.85 87.3
Gain / Loss % 2.25 5.01 0.49 2.44 -6.3
Dhanlaxmi Bank Limited Price 12.29 12.67 12.98 13.05 13.74
Gain / Loss % 2.42 -3 -5.32 -5.82 -10.55
FEDERAL BANK LTD. Price 52.35 54.15 56.65 51.1 55.9
Gain / Loss % 0.67 -3.32 -7.59 2.45 -6.35
HDFC BANK LTD. Price 1027.85 1050.45 1126.4 1059.2 1105.0
Gain / Loss % -1.26 -2.15 -8.75 -2.96 -6.98
ICICI BANK LTD. Price 352.2 345.05 381.1 345.6 375.7
Gain / Loss % 0.34 2.07 -7.58 1.91 -6.25
IDBI BANK LTD. Price 38.95 40.55 38.8 39.15 50.45
Gain / Loss % 2.5 -3.95 0.39 -0.51 -22.79
INDIAN BANK Price 58.15 58.25 61.05 61.0 65.1
Gain / Loss % 0.26 -0.17 -4.75 -4.67 -10.68
INDIAN OVERSEAS BANK Price 10.41 10.49 10.92 10.27 10.62
Gain / Loss % 4.1 -0.76 -4.67 1.36 -1.98
INDUSIND BANK LTD. Price 492.85 519.85 513.45 510.85 526.2
Gain / Loss % 0.17 -5.19 -4.01 -3.52 -6.34
JAMMU & KASHMIR BANK LTD. Price 16.05 15.95 16.7 17.3 18.25
Gain / Loss % 0.31 0.63 -3.89 -7.23 -12.05
KARNATAKA BANK LTD. Price 42.05 42.15 45.55 45.45 44.4
Gain / Loss % 0.12 -0.24 -7.68 -7.48 -5.29
KARUR VYSYA BANK LTD. Price 32.95 34.4 31.45 32.65 34.6
Gain / Loss % 2.97 -4.22 4.77 0.92 -4.77
KOTAK MAHINDRA BANK LTD. Price 1333.85 1388.05 1341.8 1298.35 1368.35
Gain / Loss % 0.82 -3.9 -0.59 2.73 -2.52
LAKSHMI VILAS BANK LTD. Price 19.15 20.7 20.4 22.6 23.75
Gain / Loss % 6.39 -7.49 -6.13 -15.27 -19.37
PUNJAB & SIND BANK Price 13.35 13.55 14.1 13.1 13.95
Gain / Loss % 2.69 -1.48 -5.32 1.91 -4.3
PUNJAB NATIONAL BANK Price 32.6 31.75 34.25 33.6 36.75
Gain / Loss % 1.87 2.68 -4.82 -2.98 -11.29
SOUTH INDIAN BANK LTD. Price 6.95 6.94 7.36 7.56 8.04
Gain / Loss % 15.83 0.14 -5.57 -8.07 -13.56
STATE BANK OF INDIA Price 191.5 186.55 192.0 186.1 188.55
Gain / Loss % 0.26 2.65 -0.26 2.9 1.56
UCO BANK Price 13.85 14.18 14.14 13.31 13.94
Gain / Loss % 6.54 -2.33 -2.05 4.06 -0.65
UNION BANK OF INDIA Price 29.35 29.25 30.8 30.4 32.1
Gain / Loss % 1.21 0.34 -4.71 -3.45 -8.57
YES BANK LTD. Price 12.83 11.95 18.25 20.95 25.75
Gain / Loss % 6.92 7.36 -29.7 -38.76 -50.17

Technical Indicators

Simple Moving Average
5 Days 118.98
10 Days 121.48
15 Days 122.16
25 Days 124.58
30 Days 124.41
Exponential Moving Average
5 Days 118.48
10 Days 120.57
12 Days 121.18
20 Days 123.02

MACD
12 Day EMA 121.18
26 Day EMA 124.1
MACD -2.92
Signal Line -2.2
Other Technical Indicators
Non - Smoothed RSI 39.13
Smoothed RSI 44.55
ROC -4.16
William %R -94.72
Upper Bollinger Band 136.02
Lower Bollinger Band 113.6
Middle Bollinger Band 124.81

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-18 Mar-17 Mar-16 Mar-15 Mar-14
Liabilities
Share Capital 66.47 60.11 59.82 59.66 54.27
Reserves & Surplus 4096.76 3510.09 2992.18 2635.87 1970.66
Net Worth 4163.24 3570.2 3052 2695.52 2024.93
Secured Loans 1735.88 531 112.55 168.82 304.98
Unsecured Loans 32852.62 30115.74 27158.13 24074.96 22016.89
TOTAL LIABILITIES 38751.74 34216.93 30322.67 26939.29 24346.81
Assets
Gross Block 223.13 215.08 217.56 210.41 182.95
(-) Acc. Depreciation 0 0 0 0 0
Net Block 223.13 215.08 217.56 210.41 182.95
Capital Work in Progress. 0 0 0 0 0
Investments 7879.11 7031.45 6324.45 6365.27 5953.56
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 2636.44 2878.98 2600.07 2536.77 2179.62
Loans And Advances 29198.57 25145.27 22109.88 18758.68 16677.7
Total Current Assets 31835.01 28024.25 24709.95 21295.45 18857.32
Current Liabilities 1185.51 1053.84 929.29 931.83 647.02
Provisions 0 0 0 0 0
Total Current Liabilities 1185.51 1053.84 929.29 931.83 647.02
NET CURRENT ASSETS 30649.5 26970.4 23780.67 20363.61 18210.3
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 38751.74 34216.93 30322.67 26939.29 24346.81

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 3402.42 3173.79 2944.21 2698.86 2545.93
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 3402.42 3173.79 2944.21 2698.86 2545.93
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 3934.52 3657.73 3354.19 3102.96 2847.13
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 315.88 298.14 213.17 210.27 185.62
Selling Expenses 18.12 16.58 0.00 0.00 0.00
Administrative Expenses 368.18 321.24 292.13 261.82 256.28
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 417.75 300.97 230.59 182.52 167.40
TOTAL EXPENDITURE 1119.94 936.93 735.89 654.62 609.30
Operating Profit 728.12 562.81 475.73 335.27 317.49
EBITDA 3232.34 3021.77 2848.89 739.38 618.69
Depreciation 52.46 53.01 52.43 46.73 37.72
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 3179.87 2968.76 2796.46 692.65 580.97
Interest 1972.12 1975.02 1963.17 1891.49 1786.54
EBT 790.00 2667.79 2565.87 510.13 413.57
Taxes 198.00 190.00 158.00 126.00 66.50
Profit and Loss for the Year 592.00 2477.79 2407.87 384.13 347.07
Non Recurring Items 0.00 0.00 0.00 10.89 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -1975.02 -1963.17 0.00 0.00
REPORTED PAT 592.00 502.77 444.69 395.02 347.07
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 15.80 0.00 51.07 52.26 45.05
Equity Dividend (%) 23.76 0.00 85.37 87.60 83.00
Shares in Issue (Lakhs) 6647.29 6010.65 5981.91 5965.68 5427.40
EPS - Annualised (Rs) 8.91 8.36 7.43 6.62 6.39

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 1060.87 1036.82 1029.24 984.55 966.62
Other Income 142.37 194.97 163.29 146.89 119.83
TOTAL INCOME 1203.24 1231.8 1192.53 1131.44 1086.46
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 113.36 113.09 100.37 91.4 92.74
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 147.85 146.95 128.41 138.32 138.32
Provisions Made 81 107.95 115.75 90.67 78.75
TOTAL EXPENSES 342.21 367.99 344.53 320.38 309.82
Operating Profit 718.66 668.83 684.71 664.17 656.81
EBITDA 861.03 863.81 848 811.06 776.64
Depreciation 0 0 0 0 0
EBIT 942.03 971.76 963.75 901.73 855.39
Interest 633.6 625.28 612.36 563.95 548.53
EBT 308.43 346.48 351.4 337.78 306.86
Taxes 35 45 50 72 50
Profit and Loss for the Year 273.43 301.48 301.4 265.78 256.86
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -81 -107.95 -115.75 -90.67 -78.75
REPORTED PAT 192.43 193.53 185.65 175.11 178.11
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 73.58 73.53 73.45 73.45 73.19
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-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share 8.91 8.36 7.43 6.62 6.39
Profitability Ratios
Operating Profit Margin(%) 21.4 17.73 16.16 12.42 12.47
Profit Before Interest And Tax Margin(%) 93.46 93.54 94.98 25.66 22.82
Net Profit Margin(%) 17.4 15.84 15.1 14.64 13.63
Return On Capital Employed(%) 1.58 7.47 8.19 1.48 1.46
Return On Net Worth(%) 14.22 14.08 14.57 14.65 17.14
Return on Assets(%) 1.53 1.47 1.47 1.47 1.43
Tax Rate(%) 25.06 7.12 6.16 24.7 16.08
Liquidity And Solvency Ratios
Current Ratio 26.85 26.59 26.59 22.85 29.14
Quick Ratio 26.85 26.59 26.59 22.85 29.14
Debt Equity Ratio 8.31 8.58 8.94 8.99 11.02
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.61 1.5 1.42 0.37 0.33
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.09 0.09 0.1 0.1 0.1
Margin Ratios
Core EBITDA Margin(%) 82.15 82.61 84.94 23.83 21.73
EBIT Margin(%) 80.82 81.16 83.37 22.32 20.41
PAT Margin(%) 17.4 15.84 15.1 14.64 13.63