City Union Bank Limited CUB NIFTY_SMALLNSEFINANCIAL
City Union Bank Limited provides various banking products and services in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, staff salary, and resident foreign currency accounts; fixed, recurring, flexifix, and income tax saver deposits; personal and agricultural gold, personal, consumer, home/housing, property, education, working capital, business, and foreign currency loans, as well as loan against property, gold-based overdraft, cash credits, bill finance, bank guarantee, and letter of credit; international business services, including export, import, fx retail, remittance, correspondent banking, and treasury risk management services; sovereign gold bond; debit, prepaid, and credit cards; NRI banking products and services; and insurance products comprising life, health, and general insurance products, as well as social security schemes. It also provides tech products and services, such as net/online and mobile banking; cash and wealth management; electronic fund transfer; green pins; wallet; point of sale; and automated teller machines, as well as demat, bill payment, GST and TAX payments, and digital signature services. In addition, the company offers payments to government, including online taxes and electricity bill payment; agri related information, academic, and kiosk services; and support services, such as safe deposit locker facilities, value added, 24/7 customer care, and account aggregator. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in December 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 37.6%.
- Profit CAGR of 12.3% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CUB City Union Bank Limited NIFTY_SMALLNSEFINANCIAL | 255.45 | 14.33 | ₹18,982.25 Cr | 0.78% | - | 13.24% | 9.17% | 12.26% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 816.13 Cr | 851.54 Cr | 869.16 Cr | 997.52 Cr | 1,076.31 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 380.14 Cr | 410.57 Cr | 418.24 Cr | 484.36 Cr | 496.74 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 890.99 Cr | 932.40 Cr | 980.04 Cr | 1,003.51 Cr | 1,069.78 Cr |
| Pretax Income | 361.00 Cr | 362.96 Cr | 380.92 Cr | 417.16 Cr | 459.56 Cr |
| Tax Provision | 75.00 Cr | 75.00 Cr | 75.00 Cr | 85.00 Cr | 100.00 Cr |
| Net Income | 286.00 Cr | 287.96 Cr | 305.92 Cr | 332.16 Cr | 359.56 Cr |
| Diluted EPS | 3.83 | 3.86 | 4.10 | 4.46 | 4.83 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 2,973.03 Cr | 2,865.09 Cr | 3,213.78 Cr | 3,868.66 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,153.68 Cr | 1,348.39 Cr | 1,535.15 Cr | 1,854.43 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 2,551.54 Cr | 3,147.10 Cr | 3,518.33 Cr | 4,039.92 Cr |
| Pretax Income | - | 1,177.48 Cr | 1,230.73 Cr | 1,416.63 Cr | 1,671.23 Cr |
| Tax Provision | - | 240.00 Cr | 215.00 Cr | 293.00 Cr | 345.00 Cr |
| Net Income | - | 937.48 Cr | 1,015.73 Cr | 1,123.63 Cr | 1,326.23 Cr |
| Diluted EPS | - | 12.57 | 13.62 | 15.07 | 17.83 |
Compounded Sales Growth
| 5 Years: | 9.17% |
| 1 Year: | 23.60% |
Compounded Profit Growth
| 5 Years: | 12.26% |
| 1 Year: | 25.10% |
Stock Price Performance
| 1 Year: | +32.68% |
| 6 Months: | -5.89% |
| 3 Months: | -12.23% |
| 1 Month: | -7.90% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 66,594.56 Cr | 70,825.87 Cr | 77,623.21 Cr | 97,024.40 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 6,649.27 Cr | 6,943.53 Cr | 5,290.54 Cr | 8,927.07 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 359.59 Cr | 341.68 Cr | 335.30 Cr | 491.47 Cr | - |
| Total Liabilities | - | 59,137.35 Cr | 62,424.44 Cr | 68,156.60 Cr | 86,459.53 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 4,688.09 Cr | 3,372.16 Cr | 1,790.41 Cr | 5,326.80 Cr |
| Total Equity | - | 7,457.21 Cr | 8,401.43 Cr | 9,466.62 Cr | 10,564.86 Cr |
| Shares Outstanding | - | 74.04 Cr | 74.07 Cr | 74.10 Cr | 74.30 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | 724.13 Cr | 436.20 Cr | 1,128.30 Cr | 802.46 Cr |
| Investing Cash Flow | -71.88 Cr | -106.41 Cr | -119.69 Cr | -207.85 Cr |
| Financing Cash Flow | -689.90 Cr | -35.53 Cr | -2,661.60 Cr | 3,041.91 Cr |
| Capital Expenditure | -98.98 Cr | -168.30 Cr | -197.78 Cr | -352.54 Cr |
| Free Cash Flow | 625.14 Cr | 267.90 Cr | 930.52 Cr | 449.92 Cr |
| Net Change in Cash | -37.66 Cr | 294.25 Cr | -1,652.99 Cr | 3,636.52 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 31.5% | 35.5% | 35.0% | 34.3% |
| ROE % | - | 12.6% | 12.1% | 11.9% | 12.6% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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