Key Metrics 
Check Before You Invest 
DeciZen 
10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
News 
About
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
₹219.75 -0.15 (-0.07%)
As on 24-Jul'26 16:59
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
₹219.75 -0.15 (-0.07%)
As on 24-Jul'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹21,773 Cr.
Current Price
₹219.8
52-Week Low / High
₹145 / 240
TTM EPS
₹13.4
TTM Sales
₹6,870 Cr.
Book Value per Share
₹106.9
P/E Ratio
16.42
Higher than its 5-year historical median
Industry PE
17.6
Price to Book (P/B)
2.06
Higher than its 5-year historical median
EV/EBITDA
10.34
Higher than its 5-year historical median
Dividend Yield
0.68%
Profitability Efficiency
Return on Equity (ROE)
13.24%
Return on Capital Employed (ROCE)
13.50%
Net Interest Margin (NIM)
3.02%
Return on Assets (ROA)
1.52%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
23.27%
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
22.2%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
11.29%
Asset Quality
CASA
27.6%
Gross NPA(%)
1.91%
Net NPA(%)
0.68%
Cost to Income Ratio
47.93%
Cost of Liabilities
4.83%
Reserves
₹10,491 Cr.
Equity
₹99.1 Cr.
Face Value
₹1
All Time Low / High
₹0.55 / 239.96
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
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?
AUM Growth of City Union Bank Ltd vs Industry Peers?
City Union Bank Ltd AUM CAGR is 12.72%, compared to the 5-year industry median CAGR of 13.77%, indicating slower growth and losing its market share.
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.
Stock return of City Union Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 11% based on the current price.
DeciZen - make an informed investing decision on City Union Bank
Decision Maker
Standalone basis
1. Right Stock
10 Year X-ray Pro
Long Term Prospect
2. Right Price
3. Right Time ⓘ
#Likely Future 5 Year CAGR.
10 Year X-Ray :
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
City Union Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 1,199 | 1,430 | 1,611 | 1,675 | 1,830 | 1,916 | 2,163 | 2,123 | 2,316 | 2,830 | 2,830 | |
| YoY Gr. Rt. % | - | 19.3% | 12.7% | 4% | 9.2% | 4.8% | 12.9% | -1.8% | 9.1% | 22.2% | - | |
| Total Income | 3,658 | 3,935 | 4,282 | 4,849 | 4,823 | 4,864 | 5,525 | 6,012 | 6,732 | 7,909 | 7,909 | |
| YoY Gr. Rt. % | - | 7.6% | 8.8% | 13.2% | -0.5% | 0.8% | 13.6% | 8.8% | 12% | 17.5% | - | |
| Adj EPS (₹ ) | 5.2 | 6.1 | 7 | 4.9 | 6 | 7.7 | 9.5 | 10.3 | 11.4 | 13.4 | 13.4 | |
| YoY Gr. Rt. % | - | 17.2% | 14.8% | -30.4% | 24.1% | 28.1% | 23.2% | 8.3% | 10.5% | 17.8% | - | |
| BVPS (₹ ) | 36.8 | 42.7 | 49.4 | 53.9 | 59.3 | 66.8 | 75.5 | 85.1 | 95.8 | 106.6 | 106.9 | |
| YoY Gr. Rt. % | - | 16% | 15.8% | 9% | 10.1% | 12.6% | 13.1% | 12.6% | 12.6% | 11.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.5 | 1.6 | 1.6 | 1 | 1.2 | 1.3 | 1.5 | 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 (%) | 1.7 | 1.7 | 1.8 | 2.3 | 4.1 | 3 | 2.4 | 2 | 1.3 | 0.7 | 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% | 9.1% | 9.4% | 22.2% | ||||
| Total Income | 9% | 10.4% | 12.7% | 17.5% | ||||
| Adj EPS | 11.1% | 17.3% | 12.1% | 17.8% | ||||
| BVPS | 12.5% | 12.5% | 12.2% | 11.3% | ||||
| Share Price | 11% | 13.5% | 31.2% | 40.4% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 86.77 | 86.48 | 87.99 | 85.98 | 85.72 | 84.39 | 85.33 | 87.66 | 86.66 | 86.86 | 86.9 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 3.6 | 3.7 | 3.7 | 3.5 | 3.6 | 3.2 | 3.4 | 3.1 | 3.1 | 3 | 2.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 15.2 | 15.3 | 15.2 | 9.4 | 10.6 | 12.2 | 13.4 | 12.8 | 12.6 | 13.2 | 11.6 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 23.4 | 24.2 | 25.2 | 25 | 29.2 | 32.6 | 29.9 | 30.6 | 28.5 | 27.6 | - | |
Profit And Loss
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 3,658 | 3,935 | 4,282 | 4,849 | 4,823 | 4,864 | 5,525 | 6,012 | 6,732 | 7,909 |
| Expenditure + | 2,664 | 2,727 | 3,042 | 3,507 | 3,356 | 3,269 | 3,707 | 4,495 | 5,053 | 5,894 |
| Provisions | 252 | 322 | 293 | 787 | 773 | 609 | 641 | 286 | 7 | 89 |
| Profit Before Tax | 693 | 790 | 925 | 586 | 693 | 985 | 1,177 | 1,231 | 1,417 | 1,671 |
| Taxes | 190 | 198 | 242 | 110 | 100 | 225 | 240 | 215 | 293 | 345 |
| Profit After Tax | 503 | 592 | 683 | 476 | 593 | 760 | 937 | 1,016 | 1,124 | 1,326 |
| Adjusted EPS (₹) | 5.18 | 6.07 | 6.97 | 4.85 | 6.02 | 7.71 | 9.50 | 10.29 | 11.37 | 13.39 |
| Dividend Payout Ratio (%) | 3.60% | 3.40% | 5.40% | 7.70% | 3.70% | 9.70% | 7.90% | 10.90% | 13.20% | 11.20% |
Valuation of City Union Bank - Standalone
Analyst's Notes
No data found!
Balance Sheet
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 60 | 66 | 73 | 74 | 74 | 74 | 74 | 74 | 74 | 74 |
| Total Reserves ⓘ | 3,510 | 4,097 | 4,767 | 5,222 | 5,769 | 6,512 | 7,383 | 8,327 | 9,393 | 10,491 |
| Deposits | 30,116 | 32,853 | 38,448 | 40,832 | 44,537 | 47,690 | 52,398 | 55,657 | 63,526 | 78,308 |
| Borrowings ⓘ | 531 | 1,736 | 481 | 2,032 | 1,346 | 5,312 | 4,688 | 4,724 | 2,169 | 5,327 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1,054 | 1,186 | 1,489 | 1,573 | 1,586 | 1,944 | 2,051 | 2,044 | 2,461 | 2,825 |
| Total Liabilities ⓘ | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 | 97,024 |
Assets | ||||||||||
| Balance with RBI | 1,484 | 1,862 | 1,993 | 2,030 | 2,793 | 2,965 | 3,302 | 4,615 | 3,875 | 6,267 |
| Balance with Banks | 1,395 | 775 | 970 | 2,691 | 2,822 | 3,722 | 3,347 | 2,328 | 1,416 | 2,660 |
| Investments ⓘ | 7,031 | 7,879 | 7,712 | 9,117 | 9,436 | 12,221 | 14,333 | 15,664 | 17,336 | 18,987 |
| Advances | 23,833 | 27,853 | 32,673 | 33,927 | 36,158 | 40,358 | 43,053 | 45,526 | 52,081 | 65,875 |
| Net Block ⓘ | 215 | 223 | 250 | 245 | 233 | 215 | 239 | 270 | 322 | 469 |
| Other Assets | 1,313 | 1,346 | 1,660 | 1,722 | 1,870 | 2,050 | 2,320 | 2,422 | 2,593 | 2,767 |
| Total Assets ⓘ | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 | 97,024 |
Cash Flow
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 284 | -183 | 419 | 1,836 | 922 | 1,166 | 724 | 436 | 1,128 | 802 |
| Cash Flow From Investing Activity ⓘ | -50 | -61 | -87 | -60 | -38 | -63 | -72 | -106 | -120 | -208 |
| Cash Flow From Financing Activity ⓘ | -4 | 1 | -5 | -18 | 10 | -31 | -690 | -36 | -2,662 | 3,042 |
| Net Cash Flow ⓘ | 229 | -243 | 327 | 1,758 | 893 | 1,072 | -38 | 294 | -1,653 | 3,637 |
Financial Ratio
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 8.40 | 8.90 | 9.30 | 6.50 | 8 | 10.30 | 12.70 | 13.70 | 15.20 | 17.90 |
| DPS (₹) | 0.30 | 0.30 | 0.50 | 0.50 | 0.30 | 1 | 1 | 1.50 | 2 | 2 |
| BVPS (₹) | 59.4 | 62.6 | 65.9 | 71.8 | 79.1 | 89.1 | 100.7 | 113.4 | 127.8 | 142.2 |
Margin Ratios | ||||||||||
| Yield on Advances (%) | 13.3 | 12.2 | 11.5 | 12.3 | 11.4 | 10.2 | 11.0 | 11.6 | 11.2 | 10.4 |
| Yield on Investments (%) | 9.2 | 7.8 | 7.6 | 8.4 | 8.7 | 5.7 | 5.9 | 6.3 | 6.5 | 6.7 |
| Cost of Liabilities (%) | 6.4 | 5.7 | 5.5 | 5.8 | 5.0 | 4.1 | 4.5 | 5.2 | 5.4 | 4.8 |
| NIM (%) | 3.6 | 3.7 | 3.7 | 3.5 | 3.6 | 3.2 | 3.4 | 3.1 | 3.1 | 3.0 |
| Interest Spread (%) | 6.9 | 6.5 | 6.0 | 6.5 | 6.4 | 6.0 | 6.5 | 6.4 | 5.9 | 5.6 |
Performance Ratios | ||||||||||
| ROA (%) | 1.5 | 1.6 | 1.6 | 1.0 | 1.2 | 1.3 | 1.5 | 1.5 | 1.5 | 1.5 |
| ROE (%) | 15.2 | 15.3 | 15.2 | 9.4 | 10.6 | 12.2 | 13.4 | 12.8 | 12.6 | 13.2 |
| ROCE (%) | 18.6 | 16.7 | 17.3 | 10.2 | 10.5 | 11.0 | 12.1 | 11.7 | 13.4 | 13.5 |
Efficiency Ratios | ||||||||||
| Cost to Income Ratio (%) | 40.9 | 38.5 | 41.7 | 43.0 | 41.7 | 40.4 | 38.9 | 47.1 | 47.8 | 47.9 |
| Operating Costs to Assets (%) | 2.0 | 1.9 | 2.0 | 2.0 | 2.0 | 1.8 | 1.7 | 1.9 | 2.0 | 1.9 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 2.6 | 2.8 | 3.1 | 1.8 | 2.0 | 1.5 | 1.3 | 1.2 | 1.2 | 1.7 |
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 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 24-Jul-2026 16:59 is ₹219.8.
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 23-Jul-2026 the market cap of City Union Bank stood at ₹21,772.6 Cr
The latest P/E ratio of City Union Bank as of 23-Jul-2026 is 16.42.
The latest P/B ratio of City Union Bank as of 23-Jul-2026 is 2.06.
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 Semi Strong which suggest that the price of City Union Bank Ltd is likely to Rise-somewhat 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
You have 4 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
