City Union Bank
City Union Bank
BanksKey Fundamentals
SmallcapPrivate BankBanksPrice-based figures as of 9 Oct 2026, 3:59 pm IST · EPS basis: Standalone · TTM
Tapetide Score
Data-driven rating, 0–100. How it works →
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
AI Analysis — Bull vs Bear
As of the 2026-10-01 close, City Union Bank traded at Rs 230.04, giving a market cap of Rs 22,792.07 Cr, a TTM P/E of 16.22 and a P/B of 2.16. That is about 7.6% below its 52-week high of Rs 248.85 and about 45% above its 52-week low of Rs 158.69. TTM sales and profit growth of 20% each is faster than the bank's 3-year rates of 13% and 12%. Over the long run, ROE has held at about 13% and 10-year sales growth has been 9% a year, both modest.
- Growth has picked up recently. TTM sales and profit both grew 20%, against 3-year compounded rates of 13% for sales and 12% for profit.
- Profit has grown faster than revenue over 5 years, at a 17% compounded rate against 11% for sales. This suggests better margins, efficiency or credit costs over that period.
- ROE has stayed at about 13% over the last year and the 3-, 5- and 10-year periods. Returns have been steady through several credit cycles.
- At a TTM P/E of 16.22 on EPS of Rs 14.18, the earnings yield is about 6.2%. Against 20% TTM profit growth, that gives a P/E-to-growth ratio below 1.
- The stock has strong price momentum, with returns of 42% over 1 year and 35% a year over 3 years. This shows the market's view of the bank has improved.
- The bank paid out only 11.8% of profits as dividends over the last 3 years. Keeping most of its earnings builds capital for loan growth without needing to raise equity often.
- At Rs 230.04, the stock is about 7.6% below its 52-week high of Rs 248.85. It has given back part of its recent gains rather than trading at its peak.
- ROE of 12.55% (12.9% average over 3 years) is modest for a stock at 2.16x book value. The implied book value is about Rs 106 per share, so investors are paying a premium for mid-teen returns.
- Long-term growth is slow. Sales compounded at 10.7% over 5 years and 9% over 10 years, so the 20% TTM growth has yet to show it can last.
- The stock has outpaced earnings. It rose 42% over 1 year against 20% TTM profit growth, and is about 45% above its 52-week low of Rs 158.69. Much of the return came from a higher valuation multiple, which can reverse.
- Contingent liabilities are Rs 16,490 Cr, about 72% of the Rs 22,792.07 Cr market cap. Off-balance-sheet exposures such as guarantees and letters of credit could turn into losses in a downturn.
- Shareholders get little cash income. The dividend yield is 0.88% and the payout ratio over 3 years was 11.8%.
- Over 10 years the stock compounded at 11% a year, and over 5 years at 14%. That is far below the recent 1-year and 3-year returns, so long-term holders have earned more moderate returns.
- Screening flags show ROCE of 5.89% and low interest coverage. These metrics are built into how leveraged lenders are structured and say less about a bank than about other companies. Still, they reflect thin returns on total capital employed.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Top FD rate signals costlier funds Sep 16
City Union Bank pays 7.50% on a 555-day senior citizen FD, the highest of six banks compared and above Karnataka Bank (7.40%), Bank of Baroda (7.25%) and Union Bank of India (7.05%), based on rates as of Sep 9, 2026. That helps it attract deposits, but paying more than peers may raise its cost of funds and squeeze net interest margins.
- Investor meetings in Mumbai Sep 23
CUB will attend the Nuvama Emerging India CEO Forum on Sep 28, 2026, after presenting at the Anand Rathi G-200 Summit on Sep 21, 2026 (announced Sep 16). Both are in Mumbai and show the bank actively meeting institutional investors.
- Trading window closed for Q2FY27 Sep 23
The trading window closes from Oct 1, 2026, ahead of standalone unaudited results for the quarter and half-year ending Sep 30, 2026. This is a routine compliance step before results.
TL;DR: There was little real news for City Union Bank this period. Most updates were routine: investor conferences and the trading window closing before results. The only item that matters for valuation is its market-leading 7.50% senior citizen FD rate. That points to aggressive deposit gathering, which could pressure margins. The trend looks stable, and the Q2FY27 results will be the key test of loan growth, deposit costs and margins.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 15% | 15% | 15% | 15% | 9% | 11% | 12% | 13% | 13% | 13% | 13% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view City Union Bank insights
88 extracted metrics + investor summaries across FY11–FY27.
Documents
Frequently Asked Questions about City Union Bank
What does City Union Bank Ltd do?
Where is City Union Bank Ltd (CUB) listed?
Which sector does City Union Bank Ltd belong to?
What is the market capitalisation of City Union Bank Ltd?
What is the PE ratio of City Union Bank Ltd?
What is the 52-week high and low of City Union Bank Ltd?
Does City Union Bank Ltd pay dividends?
What is the Return on Equity (ROE) of City Union Bank Ltd?
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 )
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/CUB.md for City Union Bank Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live,
structured queries instead of documents, use our MCP server.