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City Union Bank Limited CUB NIFTY_SMALLNSEFINANCIAL

Financial Services · Banks - Regional · India
https://cityunionbank.bank.in

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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₹255.45
+32.68% 1Y

Market & Price

Market Cap
₹18,982.25 Cr
Current Price
₹255.45
High / Low (52W)
₹301.75 / ₹189.05
Beta
0.45

Valuation

Stock P/E
14.33
Industry PE
19.12
Forward P/E
10.29
PEG Ratio
-
Book Value
₹142.21
Price to Book
1.80
P/S
5.38
EV/EBITDA
-
Dividend Yield
0.78%

Profitability & Returns

ROCE
-
ROE
13.24%
ROA
1.52%
Profit Margin
37.62%
Op Margin
48.06%
EPS (Latest Qtr)
₹4.83
EPS (TTM)
₹17.83

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹5,326.80 Cr
Total Assets
₹97,024.40 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.02%
Chg in Prom Hold
-
FII / Inst Holding
57.23%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹15,377.18 Cr
Total Revenue (TTM)
₹3,525.66 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-13,979.54 Cr
Shares Outstanding
₹74.31 Cr
Gross Margin
0.00%
Payout Ratio
11.22%

Growth (CAGR)

Revenue 5Y
9.17%
Profit 5Y
12.26%
Revenue (YoY)
23.60%
Earnings (YoY)
25.10%

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

NSE TradingView Screener.in

Fundamental Growth

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).

#NameCMP ₹P/E Mkt CapDiv 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%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 816.13 Cr851.54 Cr869.16 Cr997.52 Cr1,076.31 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 380.14 Cr410.57 Cr418.24 Cr484.36 Cr496.74 Cr
Operating Income -----
EBITDA -----
Interest Expense 890.99 Cr932.40 Cr980.04 Cr1,003.51 Cr1,069.78 Cr
Pretax Income 361.00 Cr362.96 Cr380.92 Cr417.16 Cr459.56 Cr
Tax Provision 75.00 Cr75.00 Cr75.00 Cr85.00 Cr100.00 Cr
Net Income 286.00 Cr287.96 Cr305.92 Cr332.16 Cr359.56 Cr
Diluted EPS 3.833.864.104.464.83

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -2,973.03 Cr2,865.09 Cr3,213.78 Cr3,868.66 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -1,153.68 Cr1,348.39 Cr1,535.15 Cr1,854.43 Cr
Operating Income -----
EBITDA -----
Interest Expense -2,551.54 Cr3,147.10 Cr3,518.33 Cr4,039.92 Cr
Pretax Income -1,177.48 Cr1,230.73 Cr1,416.63 Cr1,671.23 Cr
Tax Provision -240.00 Cr215.00 Cr293.00 Cr345.00 Cr
Net Income -937.48 Cr1,015.73 Cr1,123.63 Cr1,326.23 Cr
Diluted EPS -12.5713.6215.0717.83

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 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -66,594.56 Cr70,825.87 Cr77,623.21 Cr97,024.40 Cr
Current Assets -----
Cash & Equivalents -6,649.27 Cr6,943.53 Cr5,290.54 Cr8,927.07 Cr
Inventory -----
Receivables 359.59 Cr341.68 Cr335.30 Cr491.47 Cr-
Total Liabilities -59,137.35 Cr62,424.44 Cr68,156.60 Cr86,459.53 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -4,688.09 Cr3,372.16 Cr1,790.41 Cr5,326.80 Cr
Total Equity -7,457.21 Cr8,401.43 Cr9,466.62 Cr10,564.86 Cr
Shares Outstanding -74.04 Cr74.07 Cr74.10 Cr74.30 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 724.13 Cr436.20 Cr1,128.30 Cr802.46 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 Cr3,041.91 Cr
Capital Expenditure -98.98 Cr-168.30 Cr-197.78 Cr-352.54 Cr
Free Cash Flow 625.14 Cr267.90 Cr930.52 Cr449.92 Cr
Net Change in Cash -37.66 Cr294.25 Cr-1,652.99 Cr3,636.52 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Insiders
8.02%
Institutions
57.23%
Public Float
62.21%

Analyst View

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