City Union Bank Limited CUB NIFTY_SMALLNSEFINANCIAL
Company Overview
City Union Bank Limited provides various banking products and services in India. It operates through 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, desire, and income tax saver deposits; personal, gold, agricultural, consumer, home/housing, property, education, working capital, business, and foreign currency loans, as well as loans 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 bonds; 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 safe deposit locker facilities, 24/7 customer care, value added services, and account aggregator services. 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.
Why Investors Should Care
Net profit has compounded at 12.3% per year over the last five years.
Trades at an undemanding P/E of 16.3.
Maintains a net profit margin of 37.8%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹3,864.92 Cr (+20.3% YoY); net profit ₹1,326.23 Cr.
- Trailing 12 Months Year-on-year growth — revenue +23.3%, earnings +25.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 9.1%, profit CAGR 12.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 9.14% |
| 1 Year: | 23.30% |
Compounded Profit Growth
| 5 Years: | 12.26% |
| 1 Year: | 25.20% |
Stock Price Performance
| 1 Year: | +48.23% |
| 6 Months: | +14.05% |
| 3 Months: | +5.50% |
| 1 Month: | -2.17% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.84 · Neutral
P/E of 16.28 is above the sector median of 15.36 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 37.8%.
- Profit CAGR of 12.3% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 229.84 | 16.28 | ₹22,772.25 Cr | 0.91% | - | 12.55% | 9.14% | 12.26% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 706.95 | 15.45 | ₹10.90 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,385.00 | 17.90 | ₹9.94 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 963.00 | 10.32 | ₹8.89 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 926.00 | 28.43 | ₹5.77 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.80 | 21.46 | ₹4.36 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,210.00 | 13.61 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,690.00 | 26.83 | ₹2.70 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 392.05 | 8.26 | ₹2.48 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 816.13 Cr | 851.54 Cr | 869.16 Cr | - | 997.52 Cr | 1,076.31 Cr | 1,063.72 Cr |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | 380.14 Cr | 410.57 Cr | 418.24 Cr | - | 484.36 Cr | 496.74 Cr | 483.15 Cr |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | 890.99 Cr | 932.40 Cr | 980.04 Cr | - | 1,003.51 Cr | 1,069.78 Cr | 1,164.85 Cr |
| Pretax Income | 361.00 Cr | 362.96 Cr | 380.92 Cr | - | 417.16 Cr | 459.56 Cr | 502.57 Cr |
| Tax Provision | 75.00 Cr | 75.00 Cr | 75.00 Cr | - | 85.00 Cr | 100.00 Cr | 120.00 Cr |
| Net Income | 286.00 Cr | 287.96 Cr | 305.92 Cr | - | 332.16 Cr | 359.56 Cr | 382.57 Cr |
| Diluted EPS | - | - | 3.08 | 3.31 | 3.35 | 3.62 | 3.85 |
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 | 3,213.73 Cr | 3,864.92 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 | - | 9.43 | 10.21 | 11.30 | 13.37 |
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 | - | 341.68 Cr | 335.30 Cr | 491.47 Cr | 767.67 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 | 4,826.80 Cr |
| Total Equity | - | 7,457.21 Cr | 8,401.43 Cr | 9,466.62 Cr | 10,564.86 Cr |
| Shares Outstanding | - | 98.72 Cr | 98.76 Cr | 98.80 Cr | 99.07 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 | 802.47 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 | -2,661.59 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 | 449.93 Cr |
| Net Change in Cash | -37.66 Cr | 294.25 Cr | -1,652.98 Cr | 3,636.53 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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CUB — Frequently Asked Questions
What is the current share price of City Union Bank Limited (CUB)?
As of 2026-10-23 04:58 IST, City Union Bank Limited (CUB) trades at ₹229.84 on NSE. Its 52-week range is ₹144.19 to ₹238.48.
What is the market capitalisation of CUB?
City Union Bank Limited (CUB) has a market capitalisation of ₹22,772.25 Cr on NSE.
What is the P/E ratio of CUB?
CUB trades at a trailing price-to-earnings (P/E) ratio of 16.28. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 2.17.
Does CUB pay a dividend?
City Union Bank Limited (CUB) currently offers a dividend yield of 0.91%.
What is the return on equity (ROE) of CUB?
CUB has a return on equity (ROE) of 12.55%.
Is CUB a good stock to buy?
This page provides a data-driven analysis of City Union Bank Limited (CUB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.