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City Union Bank

CUB NSE
₹213.50 +6.50 (+3.14%)
P/E
15.06
View as Markdown
MCP
Close 4 Nov 2026 ₹213.50 +22.34 +11.7% 1Y
Start ₹191.16

Key Fundamentals

SmallcapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹14.18
Book Value
₹112.97
Market Cap
—
P/E (TTM)
15.06
P/B
1.89
ROE
13.20%
Dividend Yield
0.97%
52W High
₹248.85
52W Low
₹169.84
Day Range
₹206.81 – ₹214.88
Volume
29,94,829
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Private Bank › Private Sector Bank

City Union Bank peer comparison
HDFC Bank
₹736.7014.16₹11,37,598 Cr1.882.48%13.60%—₹3,59,956 Cr₹83,685 Cr
ICICI Bank
₹1,424.1017.28₹10,25,874 Cr2.670.84%15.90%—₹2,06,190 Cr₹62,827 Cr
Kotak Bank
₹459.4021.29₹4,58,686 Cr2.350.14%11.40%—₹73,545 Cr₹21,472 Cr
Axis Bank
₹1,232.0012.79₹3,83,779 Cr1.670.08%13.10%—₹1,41,510 Cr₹30,038 Cr
IDBI Bank
₹79.2910.26₹83,815 Cr1.322.70%14.10%—₹30,953 Cr₹8,329 Cr
Federal Bank
₹335.2015.94₹81,875 Cr2.010.36%11.60%—₹31,552 Cr₹5,387 Cr
Indusind Bank
₹865.1550.98₹66,694 Cr1.000.18%1.36%—₹45,297 Cr₹1,322 Cr
City Union Bank (this company)
₹213.5015.06₹20,752 Cr1.890.97%13.20%—₹7,249 Cr₹1,404 Cr
Median 8 companies₹598.0515.50₹2,33,797 Cr1.890.60%13.15%—₹59,421 Cr₹14,901 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

55 Good

Data confidence 100/100

Category scores

Quality
57
Good
Returns, margins, earnings quality 22% weight
Valuation
30
Poor
Cheap vs sector & own history 24% weight
Growth
94
Strong
Sales & profit trajectory 9% weight
Financial Health
81
Strong
Solvency, leverage, coverage 9% weight
Momentum
55
Average
Trend strength, vol-adjusted 12% weight
Ownership
53
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

No strengths listed

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

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1063
OscillatorsBearish261
Moving AveragesStrong Bearish802

Key readings

RSI (14)
44.91
Neutral
MACD (12,26,9)
−3.75
Bearish
SMA (50)
225.25
Bearish
SMA (200)
209.00
Bullish

As of

Analyst Rating

Based on 25 analysts
BUY80%

20 of 25 analysts rate Buy, 2 Hold, 3 Sell.

As of

BUY
20
80%
HOLD
2
8%
SELL
3
12%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+8.84%
5Y+10.69%
3Y+13.38%
1Y+17.76%
TTM+19.81%

Net profit

Net profit growth by window
10Y+11.54%
5Y+17.46%
3Y+12.27%
1Y+17.97%
TTM+20.52%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹3,174 Cr
Mar 2018₹3,402 Cr
Mar 2019₹3,767 Cr
Mar 2020₹4,169 Cr
Mar 2021₹4,135 Cr
Mar 2022₹4,105 Cr
Mar 2023₹4,714 Cr
Mar 2024₹5,271 Cr
Mar 2025₹5,834 Cr
Mar 2026₹6,870 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹503 Cr
Mar 2018₹592 Cr
Mar 2019₹683 Cr
Mar 2020₹476 Cr
Mar 2021₹593 Cr
Mar 2022₹760 Cr
Mar 2023₹937 Cr
Mar 2024₹1,016 Cr
Mar 2025₹1,124 Cr
Mar 2026₹1,326 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EBITDA
₹2,118 Cr +19.1% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 30 Oct 2026
AI opinion · based on fundamentals
Risk medium

City Union Bank Ltd trades at ₹214.2 as of 2026-10-30 with a market cap of ₹21,223 Cr, a P/E of 15.11x and P/B of 1.9x. The bank has delivered consistent ROE of ~13% over the last decade with TTM revenue and profit growth of 20%, though it carries contingent liabilities of ₹16,490 Cr and has historically maintained a low dividend payout of 11.8%.

Bull Case 7
  • TTM revenue growth has accelerated to 20%, significantly above the 5-year compounded sales CAGR of 11% and 10-year CAGR of 9%, indicating improving business momentum
  • TTM profit growth of 20% outpaces the 3-year compounded profit CAGR of 12%, suggesting improving operating leverage or asset quality
  • Stock has delivered a 1-year return of 31% and 3-year CAGR of 32%, reflecting sustained re-rating from its 52-week low of ₹168.75
  • ROE has been remarkably stable at 13% across 3-year, 5-year, and 10-year periods, demonstrating consistency in capital efficiency through economic cycles
  • P/E of 15.11x is modest for a bank posting 20% TTM profit growth, implying a PEG ratio of approximately 0.76x on trailing numbers
  • 5-year compounded profit CAGR of 17% exceeds the 5-year sales CAGR of 11%, indicating margin expansion or improved cost management over the medium term
  • The stock trades 13.9% below its 52-week high of ₹248.85, offering a potential cushion relative to recent peak valuations
Bear Case 8
  • Contingent liabilities stand at ₹16,490 Cr, which is approximately 78% of the bank's market cap of ₹21,223 Cr — a material risk if even a fraction crystallizes
  • Low interest coverage ratio flags potential vulnerability to margin compression or stress in the lending book
  • 5-year compounded sales growth of only 10.7% is below-average for the Indian banking sector, pointing to limited franchise expansion
  • 3-year ROE of 12.9% and current ROE of 12.55% remain below the 15%+ threshold typically associated with high-quality Indian banks
  • Dividend payout of just 11.8% of profits over the last 3 years offers minimal income return, with current dividend yield at only 0.88%
  • P/B of 1.9x is notable given the sub-13% ROE; banks earning below cost of equity typically warrant P/B closer to 1.0x, raising valuation questions
  • The company may be capitalizing interest costs, which could overstate reported profitability and book value
  • 10-year stock CAGR of 10% is modest and barely outpaces inflation, suggesting limited long-term wealth creation relative to broader market indices

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

AI News Digest

9h ago

TL;DR: City Union Bank delivered a strong Q2 FY27 with 26.6% profit growth, robust operating leverage, and meaningful asset quality improvement. Leadership stability is reinforced by the RBI-approved ED appointment. The pending ₹209 crore GST dispute and rising provisions bear watching, but the overall trend is clearly improving with healthy capital buffers and accelerating earnings momentum.

Positives 5
  • Q2 profit surges 26.6% YoY Oct 28

    Net profit jumped 26.6% YoY to ₹416 crore in Q2 FY27, with interest income up 27% to ₹2,092 crore and operating profit climbing 40.3% to ₹661 crore.

  • Asset quality improves sharply Oct 28

    Gross NPAs declined to 1.44% from 1.73% QoQ, while net NPAs improved to 0.48% from 0.90% YoY, reflecting stronger credit quality.

  • Stock rallies 26% in one year Oct 28

    Shares traded at ₹215.55, up 1.05% on result day, with a 26% gain over the past year and market cap of ₹22,385.1 crore at a P/E of 15.05x.

Neutral 3
  • GST demand reduced to ₹209 cr Oct 14

    Revised GST demand from Tanjore authorities lowered to ₹208.91 crore from ₹337.79 crore; the bank disputes the order citing compliance.

  • Provisions rise, contingent buffer added Oct 28

    Provisions increased to ₹120 crore from ₹57 crore YoY, and the bank set aside a ₹50 crore contingent provision for unforeseen economic uncertainties.

  • Capital adequacy dips slightly Oct 28

    Capital adequacy ratio eased marginally to 21.26% from 21.73% QoQ, still well above regulatory requirements.

Quarterly Results

₹ Cr
CUB quarterly results, ₹ crore
Particulars 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 (₹)
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

₹ Cr
CUB profit and loss, annual, ₹ crore
Particulars 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 (₹)
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

₹ Cr
CUB balance sheet, annual, ₹ crore
Particulars 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

Cash Flow

₹ Cr
CUB cash flow, annual, ₹ crore
Particulars 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

Ratios

CUB financial ratios, annual
Particulars 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%

Insights

Beta

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

Log in to view City Union Bank insights

81 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

  • DIIs 47.99%
  • Public 28.94%
  • FIIs 17.40%
  • Others 5.68%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about City Union Bank

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.
Where is City Union Bank Ltd (CUB) listed?
City Union Bank Ltd trades as CUB on the NSE and under code 532210 on the BSE.
Which sector does City Union Bank Ltd belong to?
City Union Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the PE ratio of City Union Bank Ltd?
City Union Bank Ltd trades at a PE ratio of 15.06 as of 4 Nov 2026, on earnings per share of ₹14.18, against a book value of ₹112.97 per share.
What is the 52-week high and low of City Union Bank Ltd?
Over the last 52 weeks City Union Bank Ltd has traded between ₹169.84 and ₹248.85 as of 4 Nov 2026.
Does City Union Bank Ltd pay dividends?
City Union Bank Ltd has a dividend yield of 0.97%.
What is the Return on Equity (ROE) of City Union Bank Ltd?
City Union Bank Ltd reported a return on equity of 13.20%.

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.

Website cityunionbank.com
CEO Dr. N. V. Narayanan Kamakodi B.Tech., CAIIB, M.B.A., Ph.D.
Employees 7,605
Listed 25 Aug 1998
Face Value ₹1

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