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City Union Bank Limited
Buy, Hold or Sell?

Let's analyse City Union Bank Limited together

PenkeI guess you are interested in City Union Bank Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of City Union Bank Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of City Union Bank Limited (30 sec.)










What can you expect buying and holding a share of City Union Bank Limited? (30 sec.)

How much money do you get?

How much money do you get?
INR0.05
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR99.96
Expected worth in 1 year
INR147.15
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR51.16
Return On Investment
37.9%

For what price can you sell your share?

Current Price per Share
INR135.15
Expected price per share
INR120.20 - INR145.00
How sure are you?
50%

1. Valuation of City Union Bank Limited (5 min.)




Live pricePrice per Share (EOD)

INR135.15

Intrinsic Value Per Share

INR-247.22 - INR121.59

Total Value Per Share

INR-147.26 - INR221.55

2. Growth of City Union Bank Limited (5 min.)




Is City Union Bank Limited growing?

Current yearPrevious yearGrowGrow %
How rich?$894.8m$790.2m$104.5m11.7%

How much money is City Union Bank Limited making?

Current yearPrevious yearGrowGrow %
Making money$112.4m$91.2m$21.2m18.9%
Net Profit Margin31.5%28.4%--

How much money comes from the company's main activities?

3. Financial Health of City Union Bank Limited (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of City Union Bank Limited? (5 min.)

Welcome investor! City Union Bank Limited's management wants to use your money to grow the business. In return you get a share of City Union Bank Limited.

What can you expect buying and holding a share of City Union Bank Limited?

First you should know what it really means to hold a share of City Union Bank Limited. And how you can make/lose money.

Speculation

The Price per Share of City Union Bank Limited is INR135.15. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of City Union Bank Limited.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in City Union Bank Limited, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR99.96. Based on the TTM, the Book Value Change Per Share is INR11.80 per quarter. Based on the YOY, the Book Value Change Per Share is INR9.60 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.99 per quarter.
Based on historical numbers we can estimate the returns while holding a share of City Union Bank Limited.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.000.0%0.000.0%0.120.1%0.080.1%0.070.1%
Usd Book Value Change Per Share0.140.1%0.140.1%0.120.1%0.110.1%0.090.1%
Usd Dividend Per Share0.010.0%0.010.0%0.010.0%0.010.0%0.010.0%
Usd Total Gains Per Share0.150.1%0.150.1%0.120.1%0.110.1%0.100.1%
Usd Price Per Share1.51-1.51-1.55-1.79-1.58-
Price to Earnings Ratio3,546.11-3,546.11-12.67-724.14-2,745.32-
Price-to-Total Gains Ratio9.84-9.84-12.76-17.05-16.28-
Price to Book Ratio1.26-1.26-1.46-1.93-2.28-
Price-to-Total Gains Ratio9.84-9.84-12.76-17.05-16.28-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.6218
Number of shares616
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.01
Usd Book Value Change Per Share0.140.11
Usd Total Gains Per Share0.150.11
Gains per Quarter (616 shares)94.5568.41
Gains per Year (616 shares)378.19273.62
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
12934936815259264
25969874630517538
3881046112445776812
4118139515026010351086
5147174418807412941360
6176209322588915521634
72062442263610418111908
82352790301411920702182
92653139339213423292456
102943488377014925872730

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%

Fundamentals of City Union Bank Limited

About City Union Bank Limited

City Union Bank Limited engages in the provision of various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, property, personal and agricultural gold, working capital, business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold-based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. It operates through a network of branches; ATMs, including bulk note recycler machines; passbook kiosks; and cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

Fundamental data was last updated by Penke on 2024-03-26 16:56:07.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of City Union Bank Limited.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit City Union Bank Limited earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • A Net Profit Margin of 31.5% means that ₹0.32 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of City Union Bank Limited:

  • The MRQ is 31.5%. The company is making a huge profit. +2
  • The TTM is 31.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ31.5%TTM31.5%0.0%
TTM31.5%YOY28.4%+3.1%
TTM31.5%5Y27.1%+4.4%
5Y27.1%10Y29.5%-2.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ31.5%18.4%+13.1%
TTM31.5%28.0%+3.5%
YOY28.4%25.2%+3.2%
5Y27.1%22.8%+4.3%
10Y29.5%19.8%+9.7%
1.1.2. Return on Assets

Shows how efficient City Union Bank Limited is using its assets to generate profit.

  • Above 5% is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • 1.4% Return on Assets means that City Union Bank Limited generated ₹0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of City Union Bank Limited:

  • The MRQ is 1.4%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.4%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.4%TTM1.4%0.0%
TTM1.4%YOY1.2%+0.2%
TTM1.4%5Y1.2%+0.2%
5Y1.2%10Y1.3%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.4%0.1%+1.3%
TTM1.4%0.2%+1.2%
YOY1.2%0.2%+1.0%
5Y1.2%0.2%+1.0%
10Y1.3%0.2%+1.1%
1.1.3. Return on Equity

Shows how efficient City Union Bank Limited is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • 12.6% Return on Equity means City Union Bank Limited generated ₹0.13 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of City Union Bank Limited:

  • The MRQ is 12.6%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.6%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.6%TTM12.6%0.0%
TTM12.6%YOY11.5%+1.0%
TTM12.6%5Y11.5%+1.1%
5Y11.5%10Y13.2%-1.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.6%1.4%+11.2%
TTM12.6%2.5%+10.1%
YOY11.5%2.7%+8.8%
5Y11.5%2.5%+9.0%
10Y13.2%2.8%+10.4%

1.2. Operating Efficiency of City Union Bank Limited.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient City Union Bank Limited is operating .

  • Measures how much profit City Union Bank Limited makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • An Operating Margin of 37.2% means the company generated ₹0.37  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of City Union Bank Limited:

  • The MRQ is 37.2%. The company is operating very efficient. +2
  • The TTM is 37.2%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ37.2%TTM37.2%0.0%
TTM37.2%YOY33.7%+3.5%
TTM37.2%5Y50.0%-12.8%
5Y50.0%10Y115.2%-65.3%
1.2.2. Operating Ratio

Measures how efficient City Union Bank Limited is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.45 means that the operating costs are ₹0.45 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of City Union Bank Limited:

  • The MRQ is 0.450. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.450. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.450TTM0.4500.000
TTM0.450YOY0.445+0.005
TTM0.4505Y0.461-0.010
5Y0.46110Y0.453+0.008

1.3. Liquidity of City Union Bank Limited.

1.3. Liquidity
1.3.1. Current Ratio

Measures if City Union Bank Limited is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 14.27 means the company has ₹14.27 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of City Union Bank Limited:

  • The MRQ is 14.269. The company is very able to pay all its short-term debts. +2
  • The TTM is 14.269. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ14.269TTM14.2690.000
TTM14.269YOY20.805-6.537
TTM14.2695Y15.221-0.952
5Y15.22110Y8.261+6.960
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM14.2690.124+14.145
YOY20.8050.225+20.580
5Y15.2210.219+15.002
10Y8.2610.131+8.130
1.3.2. Quick Ratio

Measures if City Union Bank Limited is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • A Quick Ratio of 6.25 means the company can pay off ₹6.25 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of City Union Bank Limited:

  • The MRQ is 6.250. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 6.250. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ6.250TTM6.2500.000
TTM6.250YOY12.645-6.395
TTM6.2505Y9.654-3.404
5Y9.65410Y55.286-45.632

1.4. Solvency of City Union Bank Limited.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of City Union Bank Limited assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare City Union Bank Limited to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that City Union Bank Limited assets are financed with 88.8% credit (debt) and the remaining percentage (100% - 88.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of City Union Bank Limited:

  • The MRQ is 0.888. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.888. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.888TTM0.8880.000
TTM0.888YOY0.893-0.005
TTM0.8885Y0.892-0.004
5Y0.89210Y0.898-0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8880.915-0.027
TTM0.8880.917-0.029
YOY0.8930.919-0.026
5Y0.8920.919-0.027
10Y0.8980.927-0.029
1.4.2. Debt to Equity Ratio

Measures if City Union Bank Limited is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 793.0% means that company has ₹7.93 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of City Union Bank Limited:

  • The MRQ is 7.930. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.930. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.930TTM7.9300.000
TTM7.930YOY8.343-0.413
TTM7.9305Y8.228-0.297
5Y8.22810Y8.853-0.626
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.93010.829-2.899
TTM7.93011.013-3.083
YOY8.34311.363-3.020
5Y8.22811.437-3.209
10Y8.85313.038-4.185

2. Market Valuation of City Union Bank Limited

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings City Union Bank Limited generates.

  • Above 15 is considered overpriced but always compare City Union Bank Limited to the Banks - Regional industry mean.
  • A PE ratio of 3,546.11 means the investor is paying ₹3,546.11 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of City Union Bank Limited:

  • The EOD is 3,808.156. Based on the earnings, the company is expensive. -2
  • The MRQ is 3,546.107. Based on the earnings, the company is expensive. -2
  • The TTM is 3,546.107. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD3,808.156MRQ3,546.107+262.048
MRQ3,546.107TTM3,546.1070.000
TTM3,546.107YOY12.667+3,533.441
TTM3,546.1075Y724.136+2,821.971
5Y724.13610Y2,745.317-2,021.181
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD3,808.1567.398+3,800.758
MRQ3,546.1076.680+3,539.427
TTM3,546.1075.295+3,540.812
YOY12.6676.943+5.724
5Y724.1369.770+714.366
10Y2,745.3179.943+2,735.374
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of City Union Bank Limited:

  • The EOD is 7,124.753. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is 6,634.481. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is 6,634.481. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD7,124.753MRQ6,634.481+490.272
MRQ6,634.481TTM6,634.4810.000
TTM6,634.481YOY8.847+6,625.634
TTM6,634.4815Y1,342.367+5,292.114
5Y1,342.36710Y688.002+654.365
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7,124.753-2.069+7,126.822
MRQ6,634.481-1.868+6,636.349
TTM6,634.481-0.342+6,634.823
YOY8.8476.448+2.399
5Y1,342.3670.429+1,341.938
10Y688.0020.091+687.911
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of City Union Bank Limited is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.26 means the investor is paying ₹1.26 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of City Union Bank Limited:

  • The EOD is 1.352. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.259. Based on the equity, the company is underpriced. +1
  • The TTM is 1.259. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.352MRQ1.259+0.093
MRQ1.259TTM1.2590.000
TTM1.259YOY1.462-0.203
TTM1.2595Y1.930-0.671
5Y1.93010Y2.280-0.350
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.3520.427+0.925
MRQ1.2590.386+0.873
TTM1.2590.470+0.789
YOY1.4620.642+0.820
5Y1.9300.795+1.135
10Y2.2801.025+1.255
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of City Union Bank Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--11.79611.7960%9.600+23%8.750+35%7.781+52%
Book Value Per Share--99.96099.9600%88.163+13%80.669+24%61.269+63%
Current Ratio--14.26914.2690%20.805-31%15.221-6%8.261+73%
Debt To Asset Ratio--0.8880.8880%0.893-1%0.8920%0.898-1%
Debt To Equity Ratio--7.9307.9300%8.343-5%8.228-4%8.853-10%
Dividend Per Share--0.9940.9940%0.503+98%0.504+97%0.527+88%
Eps--0.0350.0350%10.176-100%6.763-99%5.862-99%
Free Cash Flow Per Share--0.0190.0190%14.571-100%10.764-100%6.071-100%
Free Cash Flow To Equity Per Share---0.868-0.8680%14.158-106%10.526-108%6.341-114%
Gross Profit Margin--0.9840.9840%0.982+0%0.975+1%0.966+2%
Intrinsic Value_10Y_max--121.589--------
Intrinsic Value_10Y_min---247.217--------
Intrinsic Value_1Y_max--11.095--------
Intrinsic Value_1Y_min---1.723--------
Intrinsic Value_3Y_max--34.167--------
Intrinsic Value_3Y_min---25.171--------
Intrinsic Value_5Y_max--58.239--------
Intrinsic Value_5Y_min---70.353--------
Market Cap100101820800.000+6%93886738822.80093886738822.8000%96286856835.600-2%110746254820.270-15%97561300873.175-4%
Net Profit Margin--0.3150.3150%0.284+11%0.271+16%0.295+7%
Operating Margin--0.3720.3720%0.337+10%0.500-26%1.152-68%
Operating Ratio--0.4500.4500%0.445+1%0.461-2%0.453-1%
Pb Ratio1.352+7%1.2591.2590%1.462-14%1.930-35%2.280-45%
Pe Ratio3808.156+7%3546.1073546.1070%12.667+27896%724.136+390%2745.317+29%
Price Per Share135.150+7%125.850125.8500%128.900-2%148.920-15%131.419-4%
Price To Free Cash Flow Ratio7124.753+7%6634.4816634.4810%8.847+74894%1342.367+394%688.002+864%
Price To Total Gains Ratio10.567+7%9.8399.8390%12.759-23%17.053-42%16.284-40%
Quick Ratio--6.2506.2500%12.645-51%9.654-35%55.286-89%
Return On Assets--0.0140.0140%0.012+14%0.012+13%0.013+5%
Return On Equity--0.1260.1260%0.115+9%0.115+10%0.132-5%
Total Gains Per Share--12.79012.7900%10.103+27%9.254+38%8.308+54%
Usd Book Value--894865224.000894865224.0000%790284648.000+13%720533198.400+24%546337192.800+64%
Usd Book Value Change Per Share--0.1420.1420%0.115+23%0.105+35%0.093+52%
Usd Book Value Per Share--1.2001.2000%1.058+13%0.968+24%0.735+63%
Usd Dividend Per Share--0.0120.0120%0.006+98%0.006+97%0.006+88%
Usd Eps--0.0000.0000%0.122-100%0.081-99%0.070-99%
Usd Free Cash Flow--169815.977169815.9770%130608024.000-100%96097800.795-100%54170798.798-100%
Usd Free Cash Flow Per Share--0.0000.0000%0.175-100%0.129-100%0.073-100%
Usd Free Cash Flow To Equity Per Share---0.010-0.0100%0.170-106%0.126-108%0.076-114%
Usd Market Cap1201221849.600+6%1126640865.8741126640865.8740%1155442282.027-2%1328955057.843-15%1170735610.478-4%
Usd Price Per Share1.622+7%1.5101.5100%1.547-2%1.787-15%1.577-4%
Usd Profit--112497540.000112497540.0000%91219812.000+23%82791223.200+36%68774265.600+64%
Usd Revenue--356778684.000356778684.0000%320883696.000+11%304161808.800+17%238019940.000+50%
Usd Total Gains Per Share--0.1530.1530%0.121+27%0.111+38%0.100+54%
 EOD+4 -4MRQTTM+0 -0YOY+20 -165Y+20 -1610Y+20 -16

3.2. Fundamental Score

Let's check the fundamental score of City Union Bank Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-153,808.156
Price to Book Ratio (EOD)Between0-11.352
Net Profit Margin (MRQ)Greater than00.315
Operating Margin (MRQ)Greater than00.372
Quick Ratio (MRQ)Greater than16.250
Current Ratio (MRQ)Greater than114.269
Debt to Asset Ratio (MRQ)Less than10.888
Debt to Equity Ratio (MRQ)Less than17.930
Return on Equity (MRQ)Greater than0.150.126
Return on Assets (MRQ)Greater than0.050.014
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of City Union Bank Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5052.317
Ma 20Greater thanMa 50133.303
Ma 50Greater thanMa 100136.216
Ma 100Greater thanMa 200143.052
OpenGreater thanClose135.600
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets665,945,620
Total Liabilities591,373,518
Total Stockholder Equity74,572,102
 As reported
Total Liabilities 591,373,518
Total Stockholder Equity+ 74,572,102
Total Assets = 665,945,620

Assets

Total Assets665,945,620
Total Current Assets40,382,337
Long-term Assets2,393,252
Total Current Assets
Cash And Cash Equivalents 66,492,749
Short-term Investments -26,110,412
Net Receivables 3,416,786
Inventory -71,569,675
Other Current Assets 68,152,889
Total Current Assets  (as reported)40,382,337
Total Current Assets  (calculated)40,382,337
+/-0
Long-term Assets
Property Plant Equipment 2,393,252
Long Term Investments 143,326,282
Long-term Assets Other -143,326,282
Long-term Assets  (as reported)2,393,252
Long-term Assets  (calculated)2,393,252
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities2,830,130
Long-term Liabilities8,143,349
Total Stockholder Equity74,572,102
Total Current Liabilities
Short-term Debt 38,740,380
Accounts payable 2,830,130
Other Current Liabilities -2,830,130
Total Current Liabilities  (as reported)2,830,130
Total Current Liabilities  (calculated)38,740,380
+/- 35,910,250
Long-term Liabilities
Long term Debt Total 1,755
Long-term Liabilities  (as reported)8,143,349
Long-term Liabilities  (calculated)1,755
+/- 8,141,594
Total Stockholder Equity
Common Stock740,416
Retained Earnings 1,090,781
Accumulated Other Comprehensive Income 63,723,049
Other Stockholders Equity 9,017,856
Total Stockholder Equity (as reported)74,572,102
Total Stockholder Equity (calculated)74,572,102
+/-0
Other
Capital Stock740,416
Cash And Equivalents8,592
Cash and Short Term Investments 40,382,337
Common Stock Shares Outstanding 746,021
Current Deferred Revenue-35,910,250
Liabilities and Stockholders Equity 665,945,620
Net Debt -19,611,800
Net Invested Capital 121,453,051
Net Working Capital 37,552,207
Property Plant and Equipment Gross 9,389,018
Short Long Term Debt Total 46,880,949



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-312006-03-312005-03-31
> Total Assets 
34,954,051
41,270,486
53,630,139
73,489,663
92,510,070
115,594,018
145,915,188
183,506,579
229,770,822
249,938,257
278,711,269
312,519,613
352,707,760
399,372,453
452,588,883
497,335,331
533,116,831
615,309,147
665,945,620
665,945,620615,309,147533,116,831497,335,331452,588,883399,372,453352,707,760312,519,613278,711,269249,938,257229,770,822183,506,579145,915,188115,594,01892,510,07073,489,66353,630,13941,270,48634,954,051
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
25,635,604
30,773,145
357,622
35,236,780
34,271,870
33,914,712
32,187,950
36,177,931
45,448,145
40,382,337
40,382,33745,448,14536,177,93132,187,95033,914,71234,271,87035,236,780357,62230,773,14525,635,604000000000
       Cash And Cash Equivalents 
2,268,356
2,663,760
4,838,761
8,169,301
8,850,856
11,001,590
12,863,189
11,361,093
17,704,859
21,796,160
25,367,709
26,000,710
28,789,751
26,364,437
29,632,845
47,216,477
56,150,604
66,869,299
66,492,749
66,492,74966,869,29956,150,60447,216,47729,632,84526,364,43728,789,75126,000,71025,367,70921,796,16017,704,85911,361,09312,863,18911,001,5908,850,8568,169,3014,838,7612,663,7602,268,356
       Net Receivables 
0
0
0
0
0
0
0
0
4,082,460
4,870,292
3,682,942
3,824,903
3,611,331
3,805,912
4,281,867
3,276,409
3,206,432
3,595,863
3,416,786
3,416,7863,595,8633,206,4323,276,4094,281,8673,805,9123,611,3313,824,9033,682,9424,870,2924,082,46000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
12,958,744
14,929,928
24,451
18,440,479
22,897,714
24,812,856
48,634,674
57,209,301
68,281,634
68,152,889
68,152,88968,281,63457,209,30148,634,67424,812,85622,897,71418,440,47924,45114,929,92812,958,744000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
79,622,337
2,451,620
2,326,901
2,146,546
2,393,252
2,393,2522,146,5462,326,9012,451,62079,622,33700000000000000
       Property Plant Equipment 
313,659
360,279
392,008
434,686
412,929
630,394
685,326
977,338
1,412,793
1,829,516
2,104,140
2,175,560
2,150,800
2,231,266
2,500,331
2,451,620
2,326,901
2,146,546
2,393,252
2,393,2522,146,5462,326,9012,451,6202,500,3312,231,2662,150,8002,175,5602,104,1401,829,5161,412,793977,338685,326630,394412,929434,686392,008360,279313,659
       Long Term Investments 
0
0
0
0
0
0
0
0
0
59,535,574
58,706,743
68,264,514
70,314,504
78,791,061
77,122,006
91,167,861
94,359,442
122,212,247
143,326,282
143,326,282122,212,24794,359,44291,167,86177,122,00678,791,06170,314,50468,264,51458,706,74359,535,574000000000
> Total Liabilities 
32,546,871
38,409,035
49,973,061
67,821,046
85,900,892
107,337,658
135,848,959
171,075,610
213,364,137
229,688,936
251,756,047
281,999,656
317,005,785
357,740,100
404,181,308
444,374,658
474,692,069
549,452,093
591,373,518
591,373,518549,452,093474,692,069444,374,658404,181,308357,740,100317,005,785281,999,656251,756,047229,688,936213,364,137171,075,610135,848,959107,337,65885,900,89267,821,04649,973,06138,409,03532,546,871
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
223,067,016
244,628,104
59,160
305,612,108
333,681,993
2,545,174
2,673,607
2,309,556
2,184,457
2,830,130
2,830,1302,184,4572,309,5562,673,6072,545,174333,681,993305,612,10859,160244,628,104223,067,016000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
3,049,839
1,688,164
2,180
18,150
50,332
47,984
13,878,744
11,025,657
50,209,340
38,740,380
38,740,38050,209,34011,025,65713,878,74447,98450,33218,1502,1801,688,1643,049,839000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
3,049,839
1,688,164
6,645,457
5,309,973
12,877,005
799,985
0
0
0
0
0000799,98512,877,0055,309,9736,645,4571,688,1643,049,839000000000
       Accounts payable 
0
0
1,018,850
1,281,366
946,743
1,204,487
1,119,438
1,107,440
784,326
1,078,159
2,129,268
2,248,808
2,141,281
2,178,877
2,545,174
2,673,607
2,309,556
2,184,457
2,830,130
2,830,1302,184,4572,309,5562,673,6072,545,1742,178,8772,141,2812,248,8082,129,2681,078,159784,3261,107,4401,119,4381,204,487946,7431,281,3661,018,85000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
1,819,941
1,749,280
1,783,800
2,313,443
2,976,898
-2,545,174
-2,673,607
-2,309,556
-2,184,457
-2,830,130
-2,830,130-2,184,457-2,309,556-2,673,607-2,545,1742,976,8982,313,4431,783,8001,749,2801,819,941000000000
   > Long-term Liabilities 
221,855
601,804
198,931
26,416
1,499
400,251
1,861,548
3,487,027
5,942,521
3,669,596
3,237,444
2,909,257
2,873,416
9,795,703
8,214,984
20,324,031
13,456,957
53,118,236
8,143,349
8,143,34953,118,23613,456,95720,324,0318,214,9849,795,7032,873,4162,909,2573,237,4443,669,5965,942,5213,487,0271,861,548400,2511,49926,416198,931601,804221,855
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
33,981
21,485
8,937
0
1,366
498
582
1,755
1,7555824981,36608,93721,48533,98100000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
3,572,081
5,439,779
5,260,278
6,083,704
6,699,302
8,141,665
11,045,905
11,704,784
12,502,918
0
012,502,91811,704,78411,045,9058,141,6656,699,3026,083,7045,260,2785,439,7793,572,081000000000
> Total Stockholder Equity
2,407,180
2,861,451
3,657,078
5,668,617
6,609,178
8,256,360
10,066,229
12,430,969
16,406,685
20,249,321
26,955,222
30,519,957
35,701,975
41,632,353
48,407,575
52,960,673
58,424,762
65,857,054
74,572,102
74,572,10265,857,05458,424,76252,960,67348,407,57541,632,35335,701,97530,519,95726,955,22220,249,32116,406,68512,430,96910,066,2298,256,3606,609,1785,668,6173,657,0782,861,4512,407,180
   Common Stock
240,000
240,000
252,000
320,000
320,000
399,596
405,031
408,213
474,446
542,740
596,568
598,191
601,065
664,729
734,501
737,319
738,822
739,585
740,416
740,416739,585738,822737,319734,501664,729601,065598,191596,568542,740474,446408,213405,031399,596320,000320,000252,000240,000240,000
   Retained Earnings 
469
410
654
48,734
50,078
55,546
55,613
66,021
68,710
68,741
69,607
74,459
326,840
374,766
570,221
579,359
614,545
994,212
1,090,781
1,090,781994,212614,545579,359570,221374,766326,84074,45969,60768,74168,71066,02155,61355,54650,07848,734654410469
   Capital Surplus 0000000000000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
2,166,711
2,621,041
3,796,418
5,839,837
6,938,481
8,636,423
10,611,107
13,097,803
17,251,401
21,402,885
28,521,346
32,600,782
38,053,069
44,388,361
51,500,940
-41,801,678
8,871,760
8,938,849
9,017,856
9,017,8568,938,8498,871,760-41,801,67851,500,94044,388,36138,053,06932,600,78228,521,34621,402,88517,251,40113,097,80310,611,1078,636,4236,938,4815,839,8373,796,4182,621,0412,166,711



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue29,731,557
Cost of Revenue-1,839,229
Gross Profit29,731,55727,892,328
 
Operating Income (+$)
Gross Profit29,731,557
Operating Expense-11,551,762
Operating Income11,046,27318,179,795
 
Operating Expense (+$)
Research Development0
Selling General Administrative36,635
Selling And Marketing Expenses152,794
Operating Expense11,551,762189,429
 
Net Interest Income (+$)
Interest Income47,143,371
Interest Expense-25,515,407
Other Finance Cost-0
Net Interest Income21,627,964
 
Pretax Income (+$)
Operating Income11,046,273
Net Interest Income21,627,964
Other Non-Operating Income Expenses0
Income Before Tax (EBT)11,774,795-728,522
EBIT - interestExpense = -14,469,134
11,774,795
34,890,202
Interest Expense25,515,407
Earnings Before Interest and Taxes (EBIT)11,046,27337,290,202
Earnings Before Interest and Taxes (EBITDA)11,774,795
 
After tax Income (+$)
Income Before Tax11,774,795
Tax Provision-2,400,000
Net Income From Continuing Ops9,374,7959,374,795
Net Income9,374,795
Net Income Applicable To Common Shares26,476
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses11,551,762
Total Other Income/Expenses Net11,774,795-21,627,964
 

Technical Analysis of City Union Bank Limited
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of City Union Bank Limited. The general trend of City Union Bank Limited is BEARISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine City Union Bank Limited's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-57.1%) Bearish trend (57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of City Union Bank Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 140.25 < 141.20 < 145.00.

The bearish price targets are: 125.40 > 124.15 > 120.20.

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City Union Bank Limited Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of City Union Bank Limited. The current mas is .

The long score for the Moving Averages is 3/14.
The longshort score for the Moving Averages is -8/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

City Union Bank Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of City Union Bank Limited. The current macd is -0.77067346.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the City Union Bank Limited price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for City Union Bank Limited. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the City Union Bank Limited price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
City Union Bank Limited Daily Moving Average Convergence/Divergence (MACD) ChartCity Union Bank Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of City Union Bank Limited. The current adx is 21.36.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy City Union Bank Limited shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
City Union Bank Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of City Union Bank Limited. The current sar is 126.12.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
City Union Bank Limited Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of City Union Bank Limited. The current rsi is 52.32. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending down: The RSI is trending down. -1
City Union Bank Limited Daily Relative Strength Index (RSI) ChartCity Union Bank Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of City Union Bank Limited. The current phase is Correction in bear market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the City Union Bank Limited price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
City Union Bank Limited Daily Stochastic Oscillator ChartCity Union Bank Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of City Union Bank Limited. The current cci is 51.08.

City Union Bank Limited Daily Commodity Channel Index (CCI) ChartCity Union Bank Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of City Union Bank Limited. The current cmo is 14.76.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
City Union Bank Limited Daily Chande Momentum Oscillator (CMO) ChartCity Union Bank Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of City Union Bank Limited. The current willr is -22.92490119.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that City Union Bank Limited is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
City Union Bank Limited Daily Williams %R ChartCity Union Bank Limited Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of City Union Bank Limited.

City Union Bank Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of City Union Bank Limited. The current atr is 3.33871703.

City Union Bank Limited Daily Average True Range (ATR) ChartCity Union Bank Limited Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of City Union Bank Limited. The current obv is 161,687,769.

City Union Bank Limited Daily On-Balance Volume (OBV) ChartCity Union Bank Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of City Union Bank Limited. The current mfi is 65.57.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
City Union Bank Limited Daily Money Flow Index (MFI) ChartCity Union Bank Limited Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for City Union Bank Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-09CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-17STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-21STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-28STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-04CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-12-06WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-01DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-02CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-03CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-10CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-18BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-23WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-31CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-05BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-02-06STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-09MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-16CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-20CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-05SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-06DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-07CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-11CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-13ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside

6.3. Candlestick Patterns

City Union Bank Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of City Union Bank Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5052.317
Ma 20Greater thanMa 50133.303
Ma 50Greater thanMa 100136.216
Ma 100Greater thanMa 200143.052
OpenGreater thanClose135.600
Total3/5 (60.0%)
Penke

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