City Union Bank Ltd logo

City Union Bank Ltd

CUB NSE

Key Fundamentals

SmallcapPrivate BankBanks
Market Cap
₹20,645 Cr
Volatility
Moderate
P/E Ratio
14.95
EBITDA
₹1,779 Cr
Return on Equity
12.55%
Debt to Equity
0
Book Value
₹106.63
EPS
₹14.22
52W High
₹245.38
52W Low
₹145.13

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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55 extracted metrics + investor summaries across FY14–FY27.

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Technical Indicators

Key Insights

Weaknesses

6
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.7% over past five years.
  • Company has a low return on equity of 12.9% over last 3 years.
  • Contingent liabilities of Rs.16,490 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 11.8% of profits over last 3 years

Growth Rate

Revenue Growth
17.48% ↗
Net Income Growth
18.03% ↗
Cash Flow Change
-28.88% ↘
ROE
5.73% ↗
ROCE
-7.39% ↘
EBITDA Margin (Avg.)
-1.27% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
AI opinion · based on fundamentals
Risk medium

City Union Bank Ltd trades at a market cap of Rs.20,101 Cr with a P/E of 14.3x and P/B of 1.89x. The bank has delivered consistent ROE of ~13% over 3, 5, and 10-year periods, with TTM revenue and profit growth accelerating to 20%, though historical sales CAGR of ~11% over 5 years reflects modest expansion.

Bull Case 7
  • TTM revenue growth has accelerated to 20%, significantly above the 5-year compounded sales CAGR of 11%, indicating improving business momentum
  • TTM profit growth of 20% shows earnings acceleration compared to the 10-year compounded profit CAGR of 12%
  • P/E of 14.3x is reasonable for a bank delivering consistent 13% ROE, suggesting moderate valuation relative to profitability
  • Stock price CAGR of 26% over the last 1 year reflects strong market re-rating and renewed investor confidence
  • Remarkably consistent ROE of 13% across 3-year, 5-year, and 10-year timeframes demonstrates stable profitability through cycles
  • 3-year stock CAGR of 27% outpaces the 10-year CAGR of 10%, indicating improving long-term shareholder returns
  • P/B ratio of 1.89x is moderate for an Indian mid-cap bank with steady return ratios, leaving room for re-rating if growth sustains
Bear Case 8
  • 5-year compounded sales growth of only 10.7% reflects structurally slow loan book expansion compared to faster-growing peers
  • 3-year ROE of 12.9% is below the 15%+ threshold typically expected of well-performing Indian banks
  • Contingent liabilities of Rs.16,490 Cr represent a significant overhang relative to the bank's Rs.20,101 Cr market cap
  • Low interest coverage ratio suggests limited buffer to absorb rising funding costs or asset quality shocks
  • Dividend payout of only 11.8% of profits over the last 3 years offers minimal income return to shareholders despite a 0.99% yield
  • Potential capitalisation of interest costs could overstate reported asset quality and profitability metrics
  • 10-year compounded sales CAGR of just 9% indicates the bank has structurally lagged industry growth over a full cycle
  • 5-year stock CAGR of 12% is modest, suggesting the recent rally may not reflect sustained fundamental improvement

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 2
  • Q1FY27 profit up 25% YoY Jul 28

    Net profit rose 25% YoY to ₹382.57 lakh in Q1FY27. Gross NPAs improved significantly to 1.73%, with retail banking driving revenue growth.

  • ₹500 crore QIP fundraise planned Jul 20

    City Union Bank seeks shareholder approval at Aug 14 AGM to raise ₹500 crore via QIP, strengthening its capital base.

Neutral 4
  • Nirmal Bang conference participation Aug 5

    CUB will participate in Nirmal Bang Institutional Equities investor conference on August 10, 2026, in Mumbai.

  • Q1 FY27 earnings call scheduled Jul 21

    Analyst conference call organized by Ambit Capital on July 28 at 6:00 PM IST with MD & CEO, ED, and CFO in attendance.

  • AGM on Aug 14 with ₹2 dividend Jul 20

    AGM scheduled for Aug 14, 2026, to approve ₹2 per share dividend and re-appoint auditors.

  • Union Bank ECLGS and RAM targets Jul 16

    Union Bank targets ₹14,000–15,000 crore under ECLGS with ₹10,000 crore already disbursed, and aims for 18%–20% growth in RAM sectors while reducing bulk deposit ratio to 15%.

TL;DR: City Union Bank delivered a strong Q1FY27 with 25% profit growth and meaningful asset quality improvement to 1.73% GNPA. The planned ₹500 crore QIP signals confidence in growth ahead. No material headwinds are visible in recent news flow. The trend appears positive with improving fundamentals and active capital-raising plans.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,266
1,304
1,326
1,374
1,389
1,434
1,479
1,533
1,605
1,653
1,756
1,856
1,985
Expenses
452
390
391
402
403
451
455
489
488
512
580
617
561
Financing Profit
71
149
125
145
142
132
133
112
137
154
172
169
259
Fin. Margin %
6%
11%
9%
11%
10%
9%
9%
7%
9%
9%
10%
9%
13%
Other Income
191
182
193
175
192
226
228
251
244
259
245
290
244
Interest
744
766
810
828
843
851
891
932
980
987
1,004
1,070
1,165
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
262
331
318
320
334
358
361
363
381
414
417
460
503
Tax %
13%
15%
20%
20%
21%
20%
21%
21%
20%
21%
20%
22%
24%
Net Profit
227
281
253
255
264
285
286
288
306
329
332
360
383
EPS in Rs
2.3
2.84
2.56
2.58
2.68
2.89
2.89
2.91
3.1
3.33
3.36
3.63
3.86
Gross NPA %
4.91%
4.66%
4.47%
3.99%
3.88%
3.54%
3.36%
3.09%
2.99%
2.42%
2.17%
1.91%
1.73%
Net NPA %
2.51%
2.34%
2.19%
1.97%
1.87%
1.62%
1.42%
1.25%
1.2%
0.9%
0.78%
0.68%
0.61%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
2,699
2,944
3,174
3,402
3,767
4,169
4,135
4,105
4,714
5,271
5,834
6,870
7,249
Expenses
655
736
937
1,120
1,140
1,690
1,738
1,605
1,723
1,559
1,716
2,090
2,270
Financing Profit
153
245
262
310
472
-15
92
311
440
564
600
740
754
Fin. Margin %
6%
8%
8%
9%
13%
0%
2%
8%
9%
11%
10%
11%
10%
Other Income
415
410
484
532
514
680
689
759
810
742
898
1,039
1,039
Interest
1,891
1,963
1,975
1,972
2,156
2,493
2,305
2,188
2,552
3,147
3,518
4,040
4,225
Depreciation
47
52
53
52
62
79
87
85
73
75
82
107
0
PBT
521
603
693
790
925
586
693
985
1,177
1,231
1,417
1,671
1,793
Tax %
24%
26%
27%
25%
26%
19%
14%
23%
20%
17%
21%
21%
—
Net Profit
395
445
503
592
683
476
593
760
937
1,016
1,124
1,326
1,403
EPS in Rs
4.1
4.61
5.18
6.07
6.97
4.85
6.02
7.71
9.5
10.28
11.37
13.39
14.18
Div. Payout %
17%
16%
4%
3%
5%
8%
6%
10%
8%
11%
13%
11%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
60
60
60
66
73
74
74
74
74
74
74
74
Reserves
2,636
2,992
3,510
4,097
4,767
5,222
5,769
6,512
7,383
8,327
9,393
10,491
Borrowing
129
665
531
1,736
481
2,032
1,346
5,312
4,688
4,724
2,169
5,327
Deposits
24,115
27,158
30,116
32,853
38,448
40,832
44,537
47,690
52,398
55,657
63,526
78,308
Other Liabilities
932
929
1,054
1,186
1,489
1,573
1,586
1,944
2,051
2,044
2,461
2,825
Total Liabilities
27,871
31,804
35,271
39,937
45,259
49,734
53,312
61,531
66,595
70,826
77,623
97,024
Fixed Assets
210
218
215
223
250
245
233
215
239
270
322
469
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
5,871
6,826
7,031
7,879
7,712
9,117
9,436
12,221
14,333
15,664
17,336
18,987
Other Assets
21,790
24,760
28,024
31,835
37,297
40,372
43,643
49,095
52,023
54,891
59,965
77,569
Total Assets
27,871
31,804
35,271
39,937
45,259
49,734
53,312
61,531
66,595
70,826
77,623
97,024
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
131
248
284
-183
419
1,836
922
1,166
724
436
1,128
802
Investing
-64
-60
-50
-61
-87
-60
-38
-63
-72
-106
-120
-208
Financing
291
-75
-4
1
-5
-18
10
-31
-690
-36
-2,662
3,042
Net Cash Flow
357
113
229
-243
327
1,758
893
1,072
-38
294
-1,653
3,637
Free Cash Flow
66
188
233
-244
332
1,777
884
1,103
652
330
1,009
595
CFO/OP
14
10
17
-3
23
73
41
47
31
16
32
22
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
16%
15%
15%
15%
15%
9%
11%
12%
13%
13%
13%
13%

Shareholding Pattern

As of Jun 2026
DIIs 44.85%
Public 27.86%
FIIs 18.65%
Others 8.64%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.02%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
26.60%
26.96%
26.44%
26.01%
27.44%
28.03%
27.38%
25.96%
23.49%
23.37%
18.65%
DIIs
38.50%
41.12%
41.43%
43.26%
40.57%
40.99%
35.82%
37.73%
36.19%
31.09%
31.23%
32.40%
29.51%
32.57%
33.57%
33.58%
33.07%
35.23%
36.75%
40.24%
40.74%
44.85%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
32.65%
31.72%
32.07%
31.05%
31.30%
30.98%
29.65%
29.43%
29.65%
32.91%
34.21%
32.18%
34.41%
32.26%
31.65%
30.28%
30.21%
28.85%
28.65%
27.61%
27.57%
27.86%
Others
28.83%
27.15%
26.50%
25.69%
28.13%
28.03%
34.53%
32.84%
34.15%
36.00%
34.56%
8.83%
9.13%
8.73%
8.78%
8.70%
8.68%
8.54%
8.64%
8.65%
8.33%
8.64%
No. of Shareholders
1,41,556
1,39,597
1,44,606
1,48,214
1,53,331
1,47,999
1,35,282
1,45,083
1,48,027
1,84,778
2,08,812
2,16,019
2,48,815
2,29,943
2,34,222
2,28,001
2,23,585
2,10,298
2,09,805
2,15,430
2,07,495
2,15,181

Documents

1
Concall - Feb 2018 Feb 2018
2
Concall - Aug 2018 Aug 2018
3
Concall - Nov 2018 Nov 2018
4
Concall - Jan 2019 Jan 2019
5
Concall - Feb 2020 Feb 2020

Frequently Asked Questions about City Union Bank Ltd

What does City Union Bank Ltd do?
City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )
Where is City Union Bank Ltd (CUB) listed?
City Union Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: CUB and BSE: 532210. You can view its live share price, financials, and ratios on Tapetide.
Which sector does City Union Bank Ltd belong to?
City Union Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of City Union Bank Ltd?
City Union Bank Ltd has a market capitalisation of approximately ₹20645.03 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of City Union Bank Ltd?
The Price-to-Earnings (PE) ratio of City Union Bank Ltd is 14.95. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of City Union Bank Ltd?
Over the past 52 weeks, City Union Bank Ltd has traded between a low of ₹145.13 and a high of ₹245.38. This range helps investors understand the stock's price volatility and recent trading levels.
Does City Union Bank Ltd pay dividends?
Yes, City Union Bank Ltd has a dividend yield of 0.96%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of City Union Bank Ltd?
City Union Bank Ltd has a Return on Equity (ROE) of 12.55%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research City Union Bank Ltd on Tapetide?
On Tapetide, you can view City Union Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )

Website cityunionbank.com
CEO Dr. N. V. Narayanan Kamakodi B.Tech., CAIIB, M.B.A., Ph.D.
Employees 7,605
Listed 1998-08-25
Face Value ₹ 1
Issued Size 74,20,98,317

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