What is City Union Bank Ltd (CUB) share price return in the past 10 years?

City Union Bank Ltd share price has appreciated 11.3% annually (CAGR) over the past ten years.

What is the share price of City Union Bank Ltd (CUB)?

Company share prices are keep on changing according to the market conditions. The current trading price of City Union Bank Ltd (CUB) on 02-Jul-2026 16:59:59 at 16:59 is 217.90.

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

The latest standalone P/E ratio of City Union Bank as of 02-Jul-2026 is 16.28.

What is the P/B ratio of City Union Bank Ltd (CUB)?

The latest standalone P/B ratio of City Union Bank Ltd (CUB) as of 02-Jul-2026 is 2.04.

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

The 52-week high of City Union Bank Ltd (CUB) is Rs. 239.96 and the 52-week low is Rs. 144.75.

City Union Bank Ltd (CUB) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: City Union Bank Ltd (CUB)
Brand: City Union Bank

City Union Bank Ltd (CUB)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532210 NSE: CUB Bank - Private | Small Cap | City Union Bank Share Price

City Union Bank Ltd (CUB)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532210 NSE: CUB Bank - Private | Small Cap | City Union Bank Share Price

Key Metrics

Valuation Multiples

Market Cap

₹21,589 Cr.

Current Price

₹217.9

52-Week Low / High

₹145 / 240

TTM EPS

₹13.4

TTM Sales

₹6,870 Cr.

Book Value per Share

₹106.9

P/E Ratio

16.28

Higher than its 5-year historical median

Industry PE

18.7

Price to Book (P/B)

2.04

Higher than its 5-year historical median

EV/EBITDA

9.87

Higher than its 5-year historical median

Dividend Yield

0.69%

Profitability Efficiency

Return on Equity (ROE)

12.58%

Return on Capital Employed (ROCE)

13.39%

Net Interest Margin (NIM)

3.10%

Return on Assets (ROA)

1.51%

Growth Momentum
1-yr vs 3-yr growth

Deposit Growth (1 Year)

Improving versus 3-year growth rate

14.14%

Net Interest Income Growth (1 Year)

Improving versus 3-year growth rate

9.05%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

12.64%

Asset Quality

CASA

28.5%

Gross NPA(%)

3.09%

Net NPA(%)

1.25%

Cost to Income Ratio

47.77%

Cost of Liabilities

5.36%

Reserves

₹10,491 Cr.

Equity

₹99.1 Cr.

Face Value

₹1

All Time Low / High

₹0.55 / 239.96

City Union Bank stock performance

Key Ratios

Check Before You Invest

Quality

Locked

Valuation

Locked

Price Trend

Locked

Q.1 Is City Union Bank Ltd a good quality company?

City Union Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does City Union Bank Ltd performance compare with that of its Peers?

Q.1 AUM Growth of City Union Bank Ltd vs Industry Peers?

City Union Bank Ltd AUM CAGR is 9.31%, compared to the 5-year industry median CAGR of 13.65%, indicating slower growth and losing its market share.

Q.1 Promoter shareholding and pledge status of City Union Bank Ltd?

Promoters hold 0.00% of the City Union Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of City Union Bank Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 12% based on the current price.

DeciZen - make an informed investing decision on City Union Bank

Standalone basis

1. Right Stock

2. Right Price

Price Chart

3. Right Time ⓘ

#Likely Future 5 Year CAGR.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Net Interest Income (₹ Cr.)	981	1,199	1,430	1,611	1,675	1,830	1,916	2,163	2,123	2,316	2,830
YoY Gr. Rt. %	-	22.2%	19.3%	12.7%	4%	9.2%	4.8%	12.9%	-1.8%	9.1%	-
Total Income	3,354	3,658	3,935	4,282	4,849	4,823	4,864	5,525	6,012	6,732	7,909
YoY Gr. Rt. %	-	9.1%	7.6%	8.8%	13.2%	-0.5%	0.8%	13.6%	8.8%	12%	-
Adj EPS (₹ )	4.6	5.2	6.1	7	4.9	6	7.7	9.5	10.3	11.4	13.4
YoY Gr. Rt. %	-	12.4%	17.2%	14.8%	-30.4%	24.1%	28.1%	23.2%	8.3%	10.5%	-
BVPS (₹ )	31.6	36.8	42.7	49.4	53.9	59.3	66.8	75.5	85.1	95.8	106.9
YoY Gr. Rt. %	-	16.5%	16%	15.8%	9%	10.1%	12.6%	13.1%	12.6%	12.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.5	1.5	1.6	1.6	1	1.2	1.3	1.5	1.5	1.5	1.3
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	1.5	1.7	1.7	1.8	2.3	4.1	3	2.4	2	1.3	0.7
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	10%	6.7%	6.5%	9.1%
Total Income	8.1%	6.8%	11.4%	12%
Adj EPS	10.6%	18.6%	13.8%	10.5%
BVPS	13.1%	12.2%	12.8%	12.6%
Share Price	11.3%	12.1%	31.5%	33.8%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Interest Earned / Total Income	87.78	86.77	86.48	87.99	85.98	85.72	84.39	85.33	87.66	86.66	86.9
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	3.2	3.6	3.7	3.7	3.5	3.6	3.2	3.4	3.1	3.1	2.9
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	15.5	15.2	15.3	15.2	9.4	10.6	12.2	13.4	12.8	12.6	11.6
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	20.4	23.4	24.2	25.2	25	29.2	32.6	29.9	30.6	28.5	-

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	3,354	3,658	3,935	4,282	4,849	4,823	4,864	5,525	6,012	6,732
Interest Income	2,944	3,174	3,402	3,767	4,169	4,135	4,105	4,714	5,271	5,834
Other Income ⓘ	410	484	532	514	680	689	759	810	742	898
Expenditure +	2,521	2,664	2,727	3,042	3,507	3,356	3,269	3,707	4,495	5,053
Interest Expense	1,963	1,975	1,972	2,156	2,493	2,305	2,188	2,552	3,147	3,518
Operating Expenses	558	689	755	886	1,014	1,051	1,080	1,155	1,348	1,535
Provisions	231	252	322	293	787	773	609	641	286	262
Profit Before Tax	603	693	790	925	586	693	985	1,177	1,231	1,417
Taxes	158	190	198	242	110	100	225	240	215	293
Profit After Tax	445	503	592	683	476	593	760	937	1,016	1,124
Adjusted EPS (₹)	4.61	5.18	6.07	6.97	4.85	6.02	7.71	9.50	10.29	11.37
Dividend Payout Ratio (%)	16.10%	3.60%	3.40%	5.40%	7.70%	3.70%	9.70%	7.90%	10.90%	13.20%

Valuation of City Union Bank - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Share Capital ⓘ	60	60	66	73	74	74	74	74	74	74
Total Reserves ⓘ	2,992	3,510	4,097	4,767	5,222	5,769	6,512	7,383	8,327	9,393
Deposits	27,158	30,116	32,853	38,448	40,832	44,537	47,690	52,398	55,657	63,526
Borrowings ⓘ	665	531	1,736	481	2,032	1,346	5,312	4,688	4,724	2,169
Minority Interest	0	0	0	0	0	0	0	0	0	0
Other Liabilities	929	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461
Total Liabilities ⓘ	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623
Assets
Balance with RBI	1,413	1,484	1,862	1,993	2,030	2,793	2,965	3,302	4,615	3,875
Balance with Banks	1,238	1,395	775	970	2,691	2,822	3,722	3,347	2,328	1,416
Investments ⓘ	6,826	7,031	7,879	7,712	9,117	9,436	12,221	14,333	15,664	17,336
Advances	21,057	23,833	27,853	32,673	33,927	36,158	40,358	43,053	45,526	52,081
Net Block ⓘ	218	215	223	250	245	233	215	239	270	322
Other Assets	1,053	1,313	1,346	1,660	1,722	1,870	2,050	2,320	2,422	2,593
Total Assets ⓘ	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	248	284	-183	419	1,836	922	1,166	724	436	1,128
Cash Flow From Investing Activity ⓘ	-60	-50	-61	-87	-60	-38	-63	-72	-106	-120
Cash Flow From Financing Activity ⓘ	-75	-4	1	-5	-18	10	-31	-690	-36	-2,662
Net Cash Flow ⓘ	113	229	-243	327	1,758	893	1,072	-38	294	-1,653

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	7.40	8.40	8.90	9.30	6.50	8	10.30	12.70	13.70	15.20
DPS (₹)	1.20	0.30	0.30	0.50	0.50	0.30	1	1	1.50	2
BVPS (₹)	51	59.4	62.6	65.9	71.8	79.1	89.1	100.7	113.4	127.8
Margin Ratios
Yield on Advances (%)	14.0	13.3	12.2	11.5	12.3	11.4	10.2	11.0	11.6	11.2
Yield on Investments (%)	8.6	9.2	7.8	7.6	8.4	8.7	5.7	5.9	6.3	6.5
Cost of Liabilities (%)	7.1	6.4	5.7	5.5	5.8	5.0	4.1	4.5	5.2	5.4
NIM (%)	3.2	3.6	3.7	3.7	3.5	3.6	3.2	3.4	3.1	3.1
Interest Spread (%)	6.9	6.9	6.5	6.0	6.5	6.4	6.0	6.5	6.4	5.9
Performance Ratios
ROA (%)	1.5	1.5	1.6	1.6	1.0	1.2	1.3	1.5	1.5	1.5
ROE (%)	15.5	15.2	15.3	15.2	9.4	10.6	12.2	13.4	12.8	12.6
ROCE (%)	19.5	18.6	16.7	17.3	10.2	10.5	11.0	12.1	11.7	13.4
Efficiency Ratios
Cost to Income Ratio (%)	40.1	40.9	38.5	41.7	43.0	41.7	40.4	38.9	47.1	47.8
Operating Costs to Assets (%)	1.8	2.0	1.9	2.0	2.0	2.0	1.8	1.7	1.9	2.0
Valuation Parameters
Price/Book(x)	1.9	2.6	2.8	3.1	1.8	2.0	1.5	1.3	1.2	1.2

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

City Union Bank Ltd FAQs

The current trading price of City Union Bank on 02-Jul-2026 16:59 is ₹217.9.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jul-2026 the market cap of City Union Bank stood at ₹21,589.3 Cr

The latest P/E ratio of City Union Bank as of 01-Jul-2026 is 16.28.

The latest P/B ratio of City Union Bank as of 01-Jul-2026 is 2.04.

The 52-week high of City Union Bank is ₹240.0 and the 52-week low is ₹144.8.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of City Union Bank is ₹6,870 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that City Union Bank Ltd is a below average quality company.

The key valuation ratios of City Union Bank Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of City Union Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About City Union Bank Ltd

City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta District Thanjavur. The first Branch of the Bank was opened at Mannargudi on January 24, 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years.

Business area of the Bank

The Bank operates under four Business Segments namely Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations.

Products and services

Personal Banking
MSME
Corporate Banking
Agri & Rural
NRI services
Tech Banking
Academic Institutions

Recognition & Awards

2011-12:

Sir Vishvesvaraya Industraial Awards & (TNSB) Innovation Awards 2011 - 2012
Industrial Economist Excellence Award - 2012
Best Mid-Sized Bank on Profitability and Efficiency - Business Today Survey - 2012

2013 -14:

Financial Express India's Best Banks Awards for 2013 - 2014 (Winner) in the category of Old Private Sector Bank
National payments Excellence Awards for 2013 - 2014 (Runner Up) in the Small Banks Category
City Union Bank has been awarded by NPCI for Valuable contribution in CTS Implementation in Chennai 2013 -2014

2014-15:

Financial Express India's Best Banks Awards for 2014 - 2015 (Winner) in the category of Strength & Soundness

2015-16:

Financial Express India's Best Banks Awards for 2015 - 2016 (Winner) in the category of Top Old Private Sector Bank for Performance
Best Small-sized Bank in Businessworld Best Banks Survey 2015 - 2016

2016-17:

Best Bank Award for Cyber security and Defense in the category of Small Banks for 2016 - 2017

2017-18:

NPCI Awards for Excellent Performance in Rupay for 2017 - 2018

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City Union Bank Ltd (CUB)

City Union Bank Ltd (CUB)

City Union Bank stock performance

Check Before You Invest

Quality

Valuation

Price Trend

DeciZen - make an informed investing decision on City Union Bank

1. Right Stock

2. Right Price

3. Right Time ⓘ

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of City Union Bank - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Margin Ratios

Performance Ratios

Efficiency Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

City Union Bank Ltd FAQs

What is the share price of City Union Bank?

What is the market cap of City Union Bank?

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

What is the P/B ratio of City Union Bank?

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

What is the TTM revenue of City Union Bank?

Is City Union Bank Ltd a good quality company?

Is City Union Bank Ltd undervalued or overvalued?

Is City Union Bank Ltd a good buy now?

About City Union Bank Ltd

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