Fin Cascade
Get Android appGet iOS app

Prices as of 8 Oct 2026 close · Not investment advice

City Union Bank Limited

NSE: CUBPrivate Sector Bank

Share price

₹220.07

-0.92% close of 8 Oct 2026

Market cap ₹21,816 CrP/E 15.5

Business score

How strong the business is, in one number. The parts behind it are in Pro.

66

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹21,816 Cr

P/E ratio

15.5

P/B ratio

2.1

ROCE

6.7%

ROE

13.2%

Dividend yield

0.9%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹238.4852-week low ₹159.83

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 19.8% over the past year, and 14.6% a year over its longer record. Meanwhile what it keeps on lending held steady, near 10.3% over the last two years.

Whether it grew faster than its sector

It grew 14.6% a year against a sector median of 16.0% — 1.4 percentage points slower.

Room to re-rate, or risk of de-rating

At 15.5× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 13.9×, across 5 companies. It is against its own five-year median of 13.5×, the 71st percentile of its own range.

Whether growth justifies the valuation

Priced at 1.3 times its growth rate, on earnings growth of 12%.

Profit growthPrice per ₹1 profitPer 1% growth
City Union Bank Limited — this one12%/yr15.5×₹1.3
HDFC Bank18%/yr13.5×₹0.75
ICICI Bank17%/yr17.2×₹1.0
Kotak Mahindra Bank9%/yr21.6×₹2.4
Axis Bank35%/yr13.9×₹0.40
IDBI Bank Limited35%/yr9.6×₹0.27

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Private Sector Bank), it ranks 9 of 20 on returns, 13 of 20 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 13.2% on capital, ahead of 55% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹21,816 Cr
Prev close
₹220.07
52w High
₹249
52w Low
₹159
Enterprise value
₹21,816 Cr
Beta
0.9
Price CAGR 1y
38.0%
Price CAGR 3y
33.0%
Price CAGR 5y
12.0%
Price CAGR 10y
10.0%

Ratios

Return on assets
1.4%
PEG ratio
1.3
P/E ratio
15.5
P/B ratio
2.1
EV / EBITDA
29.5
Industry P/E
13.7
ROCE
6.7%
ROCE 5y average
—
ROE
13.2%
Debt / Equity
0.5
Interest coverage
—
Dividend yield
0.9%
ROE 3y average
13.0%
ROE last year
13.0%

Annual P&L

Annual revenue
₹6,870 Cr
Annual profit
₹1,326 Cr
Operating margin
11.0%
Net profit margin
19.3%
EBITDA margin
10.8%
Sales growth 3y
13.4%
Sales growth 5y
10.7%
Profit growth 3y
12.0%
Profit growth 5y
17.0%
EPS
₹13.4
Sales growth TTM
20.0%
Profit growth TTM
20.0%
Dividend payout
11.0%

Quarter P&L

Sales latest quarter
₹1,985 Cr
Profit latest quarter
₹383 Cr
YoY quarterly sales growth
23.6%
YoY quarterly profit growth
25.2%
OPM latest quarter
13.0%

Balance Sheet

Book Value
₹107
Face Value
₹1.0
Total debt
₹5,327 Cr
Total cash
₹3,649 Cr
Borrowings
₹5,327 Cr
Reserves / Equity
141.8

Cash Flow

Operating cash flow
₹802 Cr
Free cash flow
₹595 Cr
FCF yield
—
Net cash flow
₹3,637 Cr

Shareholding

Promoter holding
—
FII holding
18.6%
DII holding
44.8%
Public holding
36.5%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
HDFC Bank702.7513.710,83,5421.8520,382.718.490,575.33.77.0
ICICI Bank1,357.5017.49,74,5420.8816,276.213.952,240.96.47.2
Kotak Mah. Bank440.0021.94,37,7070.155,480.522.618,354.66.47.0
Axis Bank1,242.5013.93,86,8860.087,670.422.235,542.09.96.2
IDBI Bank85.679.992,1160.002,130.65.37,549.37.45.9
Federal Bank323.5017.179,9910.371,302.536.87,861.69.96.4
IDFC First Bank79.5430.568,5860.311,075.0132.411,051.114.66.0
City Union Bank222.1215.722,0070.90382.625.11,985.023.66.7
Median315.0013.847,9300.34628.729.64,735.49.66.4

Competes with: Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank Limited, IDFC First Bank, IndusInd Bank, Kotak Mahindra Bank, Yes Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,2661,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,8561,985
Expenses452390391402403451455489488512580617561
Financing Profit71149125145142132133112137154172169259
Financing Margin %611911109979910913
Other Income191182193175192226228251244259245290244
Interest7447668108288438518919329809871,0041,0701,165
Depreciation0000000000000
Profit before tax262331318320334358361363381414417460503
Tax %13152020212021212021202224
Net Profit227281253255264285286288306329332360383
EPS in Rs2.302.842.562.582.682.892.892.913.103.333.363.633.86
Gross NPA %4.914.664.473.993.883.543.363.092.992.422.171.911.73
Net NPA %2.512.342.191.971.871.621.421.251.200.900.780.680.61
Gross NPA1,6381,6171,3931,3201,2731,170
Income on Investments271286288294311315
Interest on Advances1,2431,2901,3321,4351,5151,629
Interest on RBI and Inter-bank Balances162629262941
Net NPA653635513469449405

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2,6992,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,8707,249
Expenses6557369371,1201,1401,6901,7381,6051,7231,5591,7162,0902,270
Financing Profit153245262310472-1592311440564600740754
Financing Margin %688913-028911101110
Other Income4154104845325146806897598107428981,0391,039
Interest1,8911,9631,9751,9722,1562,4932,3052,1882,5523,1473,5184,0404,225
Depreciation47525352627987857375821070
Profit before tax5216036937909255866939851,1771,2311,4171,6711,793
Tax %242627252619142320172121
Net Profit3954455035926834765937609371,0161,1241,3261,403
EPS in Rs4.104.615.186.076.974.856.027.719.5010111314
Dividend Payout %171643586108111311

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
9%
5 years
11%
3 years
13%
TTM
20%

Compounded profit growth

10 years
12%
5 years
17%
3 years
12%
TTM
20%

Stock price CAGR

10 years
10%
5 years
12%
3 years
33%
1 year
38%

Return on equity

10 years
13%
5 years
13%
3 years
13%
Last year
13%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital606060667374747474747474
Reserves2,6362,9923,5104,0974,7675,2225,7696,5127,3838,3279,39310,491
Borrowing1296655311,7364812,0321,3465,3124,6884,7242,1695,327
Deposits24,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52678,308
Other Liabilities9329291,0541,1861,4891,5731,5861,9442,0512,0442,4612,825
Total Liabilities27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024
Fixed Assets210218215223250245233215239270322469
CWIP000000000000
Investments5,8716,8267,0317,8797,7129,1179,43612,22114,33315,66417,33618,987
Advances52,08165,875
Other Assets21,79024,76028,02431,83537,29740,37243,64349,09552,02354,89159,96577,569
Total Assets27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity131248284-1834191,8369221,1667244361,128802
Cash from Investing Activity-64-60-50-61-87-60-38-63-72-106-120-208
Cash from Financing Activity291-75-41-5-1810-31-690-36-2,6623,042
Net Cash Flow357113229-2433271,7588931,072-38294-1,6533,637
Free Cash Flow66188233-2443321,7778841,1036523301,009595

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16151515159111213131313

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
FIIs242727262627282726232319
DIIs333230333434333537404145
Public434144414039393737363637
No. of Shareholders2,08,8122,16,0192,48,8152,29,9432,34,2222,28,0012,23,5852,10,2982,09,8052,15,4302,07,4952,15,181

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +37.5% (₹160.06 → ₹220.07)Brick size ₹8.35 (fixed)Bricks 28
₹175₹200₹220Nov '25Mar '26Jun '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹220.07 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

21.73pct

2026-06-30

CASA ratio %

26.00

cost-to-income %

45.42pct

2026-06-30

credit cost

0.05pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

1.73pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-06-30

net NPA %

0.61pct

2026-06-30

net interest margin %

3.78pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

65.00pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

77,24,309inr

2026-03-31

return on assets %

1.56pct

2026-03-31

News

News and filings about City Union Bank Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Gold
  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Private Sector Bank
Classification
Financial Services › Private Sector Bank
ISIN
INE491A01021

Business segments

  • OTHER RETAIL BANKING · 59%
  • CORPORATE WHOLESALE BANKING · 21%
  • TREASURY · 18%
  • OTHER BANKING OPERATIONS · 2%
  • DIGITAL BANKING · 0%

News impact

Big market events that reach City Union Bank Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

31 Jul 2026unspecified₹2
12 Jun 2026bonus₹0
1 Aug 2025unspecified₹2
9 Aug 2024unspecified₹1.5
11 Aug 2023unspecified₹1
10 Aug 2022unspecified₹1
11 Aug 2021unspecified₹0.2
4 Jun 2021interim₹0.3

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.