MarketFriction

City Union Bank Ltd

NSE CUB · BSE 532210 · Private Sector Bank
₹230.04 +1.77%
NSE close2026-10-01
52 week range156.04 - 248.85
Market cap₹21,293 Cr.
P/E15.2
Nifty 500Nifty Smallcap 50Nifty Smallcap 100Smallcap 250 Price band 20% Delivery 34.8%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,8561,985
Interest7668108288438518919329809871,0041,0701,165
Expenses390391402403451455489488512580617561
Financing Profit149125145142132133112137154172169259
Financing Margin %11%9%11%10%9%9%7%9%9%10%9%13%
Other Income182193175192226228251244259245290244
Depreciation000000000000
Profit before tax331318320334358361363381414417460503
Tax %15%20%20%21%20%21%21%20%21%20%22%24%
Net Profit281253255264285286288306329332360383
EPS in Rs2.842.562.582.682.892.892.913.103.333.363.633.86
Gross NPA %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 %2.34%2.19%1.97%1.87%1.62%1.42%1.25%1.20%0.90%0.78%0.68%0.61%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,8707,249
Interest1,9631,9751,9722,1562,4932,3052,1882,5523,1473,5184,0404,225
Expenses7369371,1201,1401,6901,7381,6051,7231,5591,7162,0902,270
Financing Profit245262310472-1592311440564600740754
Financing Margin %8%8%9%13%-0%2%8%9%11%10%11%10%
Other Income4104845325146806897598107428981,0391,039
Depreciation525352627987857375821070
Profit before tax6036937909255866939851,1771,2311,4171,6711,793
Tax %26%27%25%26%19%14%23%20%17%21%21%
Net Profit4455035926834765937609371,0161,1241,3261,403
EPS in Rs4.615.186.076.974.856.027.719.5010.2811.3713.3914.18
Dividend Payout %16%4%3%5%8%6%10%8%11%13%11%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth9%11%13%20%
Compounded Profit Growth12%17%12%20%
Stock Price CAGR10%13%31%34%
Return on Equity13%13%13%13%
Mar 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
Deposits24,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52678,308
Borrowing1296655311,7364812,0321,3465,3124,6884,7242,1695,327
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
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
Mar 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
CFO/OP14%10%17%-3%23%73%41%47%31%16%32%22%
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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
FIIs23.66%26.60%26.95%26.44%26.01%27.44%28.04%27.38%25.96%23.49%23.37%18.65%
DIIs33.18%32.39%29.50%32.55%33.57%33.59%33.07%35.23%36.75%40.23%40.73%44.84%
Public43.15%41.01%43.55%41.00%40.42%38.98%38.90%37.40%37.27%36.26%35.90%36.50%
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

Fundamentals

Market Cap₹ 21,293 Cr.
Current Price₹ 215
Stock P/E15.2
Book Value₹ 107
ROCE6.74 %
ROE13.2 %
Dividend Yield0.93 %
Face Value₹ 1.00
Compounded Sales Growth (TTM)20%
Compounded Profit Growth (TTM)20%
Standalone figures.
Valuation
Market capRs 17,093 Cr
Enterprise valueRs 94,460 Cr
P/E (TTM)12.18x
Price to book1.62x
Price to sales2.36x
EV / EBITDA15.42x
EV / EBIT15.70x
EV / sales13.03x
Price to cash flow21.30x
Earnings yield8.21%
Dividend yield0.87%
P/E, 3-year average8.41x
P/B, 3-year average1.03x
P/E, 5-year average8.42x
P/B, 5-year average1.02x
Profitability
Operating margin (excl. other income)69.58%
Operating margin (incl. other income)84.70%
EBITDA margin84.49%
Pre-tax margin24.73%
Net profit margin19.35%
Net margin, latest quarter19.27%
ROE13.24%
ROCE6.74%
ROA1.52%
ROE, 3-year average12.88%
ROCE, 3-year average6.72%
ROA, 3-year average1.50%
ROE, 5-year average12.84%
ROCE, 5-year average6.38%
ROA, 5-year average1.46%
ROIC (approx.)5.43%
Tax rate20.64%
Other income / net worth9.83%
Growth
Sales growth (latest year)17.75%
Profit growth (latest year)18.03%
Sales CAGR, 3 years13.37%
Sales CAGR, 5 years10.69%
Profit CAGR, 3 years12.26%
Profit CAGR, 5 years17.47%
Sales growth QoQ6.97%
Profit growth QoQ6.40%
Sales growth YoY (latest quarter)23.65%
Profit growth YoY (latest quarter)25.06%
Per share
EPS (TTM)Rs 18.88
EPS (latest year)Rs 17.85
EPS (latest quarter)Rs 5.15
EPS, 3-year averageRs 15.58
EPS, 5-year averageRs 13.93
Book value per shareRs 142.18
Sales per shareRs 97.56
Cash flow per shareRs 10.80
Free cash flow per shareRs 8.01
Dividend per share (latest year)Rs 2.00
Dividend per share, 3-year averageRs 1.83
Dividend per share, 5-year averageRs 1.50
Dividends
Dividend payout11.20%
Dividend payout, 3-year average11.78%
Dividend payout, 5-year average10.59%
Efficiency
Asset turnover0.07x
Fixed asset turnover14.66x
Leverage
Total debtRs 83,635 Cr
Cash and bankRs 6,267 Cr
Net debtRs 77,367 Cr
Debt to equity7.92x
Net debt / EBITDA12.63x
Interest coverage1.42x
Owners' fund to total sources10.89%
Debt to assets86.20%
Cash flow
Cash from Operating Activity (latest year)Rs 802 Cr
Cash from Investing Activity (latest year)Rs -208 Cr
Cash from Financing Activity (latest year)Rs 3,042 Cr
Net Cash Flow (latest year)Rs 3,637 Cr
Free cash flow (latest year)Rs 595 Cr
FCFE (approx.: FCF + change in debt)Rs 18,534 Cr
Cash from ops / profit, 5 years0.82x
Sales to cash flow8.56x
Statement figures
Net sales (TTM)Rs 7,249 Cr
Net sales (latest year)Rs 6,870 Cr
Sales (latest quarter)Rs 1,985 Cr
Operating profit excl. other income (latest year)Rs 4,780 Cr
Operating profit (latest quarter)Rs 1,424 Cr
Other income (TTM)Rs 1,039 Cr
EBITDA (TTM)Rs 6,125 Cr
PBDT (TTM)Rs 1,900 Cr
Profit before tax (TTM)Rs 1,793 Cr
Tax (latest year)Rs 345 Cr
Net profit (TTM)Rs 1,403 Cr
Net profit (latest year)Rs 1,326 Cr
Net profit (latest quarter)Rs 383 Cr
Depreciation (TTM)Rs 107 Cr
Interest (TTM)Rs 4,225 Cr
Cost of goods sold (latest year)Rs 188 Cr
Total expenditure (latest year)Rs 2,090 Cr
Total income (latest year)Rs 7,909 Cr
Share capitalRs 74 Cr
ReservesRs 10,491 Cr
Shareholders' fundsRs 10,565 Cr
Total assetsRs 97,024 Cr
Net blockRs 469 Cr
InvestmentsRs 18,987 Cr
Other liabilitiesRs 2,825 Cr
Shares outstanding (crore)74.30
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 12.2 is at the 42th percentile of its own 9.4-year range (median 13.2, low 7.3, high 21.8).
P/B 1.62 is at the 60th percentile (median 1.52).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodCUBNifty 50Difference
1 week+4.3%-2.8% +7.1 pts
1 month-2.1%-6.8% +4.7 pts
3 months+6.1%-7.6% +13.7 pts
6 months+27.9%+0.4% +27.5 pts
1 year+44.2%-9.9% +54.2 pts
2 years+80.4%-13.6% +94.0 pts
3 years+142.1%+14.2% +127.9 pts
5 years+93.3%+27.9% +65.4 pts
138 mutual fund schemes hold about ₹8,504 Cr. Over three months 32 bought more and 32 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
SBI Small Cap Fund2.82%1,201 -2%
HDFC Mid Cap Fund0.70%764 -4%
HDFC Small Cap Fund1.46%611 -0%
Axis Small Cap Fund1.92%602 -3%
Kotak Mid Cap Fund0.56%398 +163%
Edelweiss Mid Cap Fund1.98%393 +5%
Nippon India Small Cap Fund0.38%313 -2%
Canara Rob Small Cap Fund2.07%303 +7%
HSBC Midcap Fund1.64%282 -8%
HSBC Small Cap Fund1.38%262 -3%
Edelweiss Small Cap Fund3.17%230 -6%
Franklin India Small Cap Fund0.98%145 +1%
Aditya Birla SL Midcap Fund1.74%121 -2%
Aditya Birla SL Midcap Fund1.74%117 -2%
Motilal Oswal Small Cap Fund1.32%108 -9%
HSBC Large & Mid Cap Fund1.71%101 -7%
Tata ELSS-Tax Saver Fund2.12%101 +0%
UTI Small Cap Fund1.84%97 -1%
Axis Multicap Fund0.87%96 -5%
Aditya Birla SL Multi-Cap Fund1.27%95 -6%
Invesco India Smallcap Fund0.60%94 +127%
Aditya Birla SL Banking & Financial Services Fund2.37%87 +4%
Franklin India Multi Cap Fund1.59%84 -1%
DSP Banking & Financial Services Fund3.75%82 -5%
Bank of India Small Cap Fund2.37%78 -3%

Red flags

F-score 3 of 8
explainLow interest cover Interest cover 1.4x in 2026
lookProfit leans on other income Other income was 62% of pre-tax profit in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹1,985 Cr +23.7% vs Jun 2025. Net profit ₹383 Cr +25.2%.

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2026-07-31Dividend - Rs 2 Per Share
2026-06-12Bonus 1:30.7500
2025-08-01Dividend - Rs 2 Per Share
2024-08-09Dividend - Rs 1.50 Per Share
2023-08-11Dividend - Re 1 Per Share
2022-08-10Dividend - Re 1 Per Share
2021-08-11 Annual General Meeting/Dividend - Rs 0.20 Per Share
2021-06-04 Interim Dividend - Rs 0.30 Per Share
2020-03-26 Interim Dividend - Rs 0.50 Per Share
2019-08-20 Annual General Meeting/Dividend - Rs 0.50 Per Share
2018-08-23 Annual General Meeting/Dividend- Re 0.30 Per Share
2018-07-10 Bonus 1:100.9091
2017-08-14 Annual General Meeting/Dividend - Re 0.30 Per Share
2017-07-13 Bonus 1:100.9091
2016-08-11 Annual General Meeting/ Dividend - Re 0.20/- Per Share
2016-03-18 Interim Dividend - Re 1/- Per Share (Purpose Revised)
2015-08-14Annual General Meeting/ Dividend - Rs 1.10/- Per Share
2014-08-13Annual General Meeting / Dividend - Re 1/- Per Share
2013-05-30Interim Dividend @ Re 1/- Per Equity Share
2012-11-22Rights 1:4 @ Premium Rs.19/- Per Share
2012-08-16Annual General Meeting/Dividend Re.1 Per Share
2011-08-12Dividend-Re.0.85 Per Share
2010-07-22Dividend-Re.0.75 Per Share
2009-11-12Rights 1:4 [email protected]/-
2009-08-06Agm/Div-Re.0.75 Per Share
2008-09-15Agm/Dividend - 20%
2008-03-13Interim Dividend - 30%
2008-01-23Fv Split Rs.10/- To Re.1/0.1000
2007-07-06Agm/Dividend-40%
2006-08-10Agm/Dividend-40%
DateTypeWhat it says
2026-09-28Concall / analyst meetUtcome
2026-09-25General UpdatesOpening of New Branch
2026-09-23Concall / analyst meetSchedule of meet
2026-09-21Concall / analyst meetOutcome
2026-09-16Credit RatingCredit Rating
2026-09-16Concall / analyst meetSchedule of meet
2026-09-11Amendment to AOA/MOAThe Amendment to AOA/MOA of the company.
2026-09-01Concall / analyst meetOutcome
2026-08-27Concall / analyst meetSchedule of meet
2026-08-24General UpdatesOpening of New Branch
2026-08-18Concall / analyst meetUtcome
2026-08-18Shareholder meetingVoting results.
2026-08-14Shareholder meetingProceedings of the Annual General Meeting of the Bank held on August 14, 2026
2026-08-11Concall / analyst meetSchedule of meet
2026-08-10Concall / analyst meetOutcome of Analyst Conference Call
2026-08-05Concall / analyst meetSchedule of Analyst Conference Call organized by Nirmal Bang Institutional Equities
2026-08-01Concall / analyst meetTranscript of Earnings Conference Call Q1 FY 2027
2026-07-29Concall / analyst meetOutcome of Analyst Conference Call Q1 FY 2027
2026-07-28Concall / analyst meetLink of Recording - Standalone Un-Audited Financial Results Q1 FY 2027
2026-07-28Investor PresentationInvestor Presentation
2026-07-28Press ReleaseA press release dated July 28, 2026, - Standalone UFR Q1 FY 2027".
2026-07-28Board meeting outcomeCity Union Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-20Concall / analyst meetSchedule of meet
2026-06-23Record DateRecord date for the purpose of Dividend is 31-Jul-2026.
2026-06-23Board meeting outcomeFund Raising through QIP
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of City Union Bank Ltd?

City Union Bank Ltd (CUB) has a market capitalisation of Rs 21,293 Cr. at the 2026-10-01 close.

What is the P/E ratio of City Union Bank Ltd?

City Union Bank Ltd trades at a P/E of 15.2 on trailing twelve-month profit, at the 2026-10-01 close.

What were City Union Bank Ltd's latest quarterly results?

In the Jun 2026 quarter, City Union Bank Ltd revenue was Rs 1,985 Cr (+23.7% vs Jun 2025) and net profit was Rs 383 Cr.

What is the 52-week high and low of City Union Bank Ltd?

The 52-week high is Rs 248.85 and the 52-week low is Rs 156.04.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03