City Union Bank, 532210, CUB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

19,134.58
14.19
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

17,429.41
0.78%
1.78

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

10.40
163.92
7.15

EBITDA CAGR (%)

10 Years
5 Years
3 Years

9.71
13.64
6.22

PAT CAGR (%)

10 Years
5 Years
3 Years

1.60
1.51

P:E (Median)

8 Years
5 Years
3 Years

15.72
13.05
12.00

P:BV (Average)

8 Years
5 Years
3 Years

1.70
1.60
1.51

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.47
7.77
8.18

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 1,855.62 1,532.72 21.07% 1,755.68 1,478.74 18.73% 1,653.13 1,433.95 15.29% 1,605.33 1,388.64 15.60%
Interest Exp. 1,069.78 932.40 14.73% 1,003.51 890.99 12.63% 986.59 851.46 15.87% 980.04 843.47 16.19%
Net Interest Income 785.83 600.31 30.90% 752.18 587.74 27.98% 666.53 582.49 14.43% 625.29 545.17 14.70%
NIM 3.87 3.60 7.50% 3.69 3.58 3.07% 3.63 3.60 0.83% 3.54 3.54 0.00%
Other Income 290.48 251.22 15.63% 245.35 228.39 7.43% 259.13 226.32 14.50% 243.88 192.13 26.93%
Total Income 2,146.09 1,783.94 20.30% 2,001.03 1,707.12 17.22% 1,912.26 1,660.27 15.18% 1,849.20 1,580.77 16.98%
Operating Exp. 496.74 410.57 20.99% 484.36 380.14 27.42% 455.08 380.63 19.56% 418.24 363.81 14.96%
Operating Profit 579.56 440.96 31.43% 513.16 436.00 17.70% 470.59 428.18 9.90% 450.92 373.49 20.73%
Provision 120.00 78.00 53.85% 96.00 75.00 28.00% 57.00 70.00 -18.57% 70.00 39.00 79.49%
PBT 459.56 362.96 26.61% 417.16 361.00 15.56% 413.59 358.18 15.47% 380.92 334.49 13.88%
PBTM 24.77 23.68 4.60% 23.76 24.41 -2.66% 25.02 24.98 0.16% 23.73 24.09 -1.49%
TAX 100.00 75.00 33.33% 85.00 75.00 13.33% 85.00 73.00 16.44% 75.00 70.00 7.14%
PAT 359.56 287.96 24.86% 332.16 286.00 16.14% 328.59 285.18 15.22% 305.92 264.49 15.66%
PATM 19.38% 18.79% 18.92% 19.34% 19.88% 19.89% 19.06% 19.05%
EPS 4.84 3.89 24.42% 4.48 3.86 16.06% 4.43 3.85 15.06% 4.13 3.57 15.69%
Gross NPA 1,273.08 1,638.17 -22.29% 1,320.00 1,693.04 -22.03% 1,393.22 1,725.50 -19.26% 1,616.98 1,806.45 -10.49%
Gross NPA% 1.91 3.09 -38.19% 2.17 3.36 -35.42% 2.42 3.54 -31.64% 2.99 3.88 -22.94%
Net NPA 449.42 653.07 -31.18% 469.34 701.54 -33.10% 512.86 775.02 -33.83% 634.55 853.50 -25.65%
Net NPA% 0.68 1.25 -45.60% 0.78 1.42 -45.07% 0.90 1.62 -44.44% 1.20 1.87 -35.83%
CASA 27.64 28.52 -3.09% 27.28 27.68 -1.45% 28.12 29.45 -4.52% 27.31 29.52 -7.49%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 2,829.84 2,315.71 2,123.47 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 981.04 Interest Earned 6,869.76 5,834.04 5,270.57 4,714.34 4,104.78 4,134.68 4,168.60 3,767.17 3,402.42 3,173.79 2,944.21 Interest Expended 4,039.92 3,518.33 3,147.10 2,551.54 2,188.29 2,305.02 2,493.41 2,155.68 1,972.12 1,975.02 1,963.17 Int. income Growth 22.20% 9.05% -1.82% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% 22.19% Other Income 1,038.84 898.06 741.66 810.36 759.08 688.77 679.95 514.39 532.10 483.95 409.98 Total Income 7,908.58 3,213.77 2,865.13 2,973.16 2,675.57 2,518.43 2,355.14 2,125.88 1,962.40 1,682.72 1,391.02 Total Expenditure 1,854.43 1,715.56 1,559.00 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 735.89 Employee Cost - 733.00 613.81 530.37 503.60 463.72 420.65 364.44 315.88 298.14 213.17 % Of Sales - 12.56% 11.65% 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% 7.24% Opt. & Establishment Exp. - 883.74 809.97 697.66 661.68 674.34 672.08 582.94 491.23 443.85 396.99 % Of Sales - 15.15% 15.37% 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% 13.48% Provisions - 262.00 286.00 640.50 610.15 775.02 755.08 315.14 417.75 300.97 230.59 % Of Sales - 4.49% 5.43% 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% 7.83% EBITDA 2,014.25 1,498.21 1,306.13 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 655.13 EBITDA Margin 73.01% 64.70% 61.51% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% 66.78% Depreciation 0.00 81.59 75.39 72.85 85.02 87.47 78.99 61.50 52.46 53.01 52.43 PBT 1,671.23 1,416.63 1,230.73 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 602.69 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 345.00 293.00 215.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 158.00 Tax Rate 20.64% 20.68% 17.47% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% 26.22% PAT 1,326.23 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 PAT before Minority Interest 1,326.23 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 34.28% 34.96% 35.45% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% 31.97% PAT Growth 18.03% 10.62% 8.35% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% 13.06% EPS 17.85 15.12 13.67 12.62 10.23 7.98 6.41 9.19 7.97 6.77 5.99

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 9,466.62 8,401.43 7,457.21 6,585.71 5,842.48 5,296.07 4,840.76 4,163.24 3,570.20 3,052.00 Share Capital 74.10 74.07 74.04 73.96 73.88 73.73 73.45 66.47 60.11 59.82 Total Reserves 9,392.52 8,327.36 7,383.17 6,511.75 5,768.59 5,222.34 4,767.31 4,096.76 3,510.09 2,992.18 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 63,525.95 55,656.64 52,397.86 47,689.67 44,537.36 40,832.49 38,447.95 32,852.62 30,115.74 27,158.13 Borrowings 2,169.41 4,724.16 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 664.55 Other Liabilities & Provisions 2,461.23 2,043.64 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 929.29 Total Liabilities 77,623.21 70,825.87 66,594.56 61,530.92 53,311.69 49,733.53 45,258.89 39,937.25 35,270.78 31,803.97 Net Block 322.34 270.37 239.33 214.65 232.69 245.16 250.03 223.13 215.08 217.56 Gross Block 1,155.29 1,035.50 938.90 860.43 797.45 759.25 689.84 602.68 542.98 492.90 Accumulated Depreciation 832.95 765.13 699.58 645.78 564.76 514.09 439.81 379.55 327.90 275.35 Total Non-Current Assets 75,030.27 68,403.72 64,274.59 59,481.27 51,441.52 48,011.05 43,598.85 38,591.48 33,958.21 30,751.00 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 3,874.57 4,615.40 3,302.36 2,965.10 2,792.71 2,030.37 1,993.12 1,861.80 1,484.19 1,412.57 Balance with banks and money at call 1,415.97 2,328.12 3,346.92 3,721.83 2,822.35 2,691.28 970.16 774.65 1,394.79 1,237.50 Investments 17,336.14 15,664.11 14,332.63 12,221.22 9,435.94 9,116.79 7,712.20 7,879.11 7,031.45 6,826.45 Advances 52,081.25 45,525.72 43,053.35 40,358.47 36,157.83 33,927.45 32,673.34 27,852.79 23,832.70 21,056.92 Other Assets 2,592.94 2,422.14 2,319.99 2,049.64 1,870.16 1,722.49 1,660.03 1,345.78 1,312.57 1,052.97 Total Assets 77,623.21 70,825.86 66,594.58 61,530.91 53,311.68 49,733.54 45,258.88 39,937.26 35,270.78 31,803.97 Contingent Liabilities 10,292.14 7,847.00 10,263.66 9,295.73 8,191.54 8,502.71 4,835.45 5,716.00 7,176.35 6,504.40 Bills for collection 499.61 469.91 401.08 409.02 372.62 335.79 460.81 319.09 256.97 309.85 Adjusted Book Value 127.76 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 1,128.30 436.20 724.13 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 248.46 PBT 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 Adjustment 654.16 452.93 758.49 663.18 652.93 699.70 528.95 500.05 338.30 315.52 Adjustments for Liabilities & Assets -445.93 -868.99 -779.17 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 -543.05 Refund/(Payment) of direct taxes -203.56 -163.48 -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 31.29 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -119.69 -106.41 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 -59.99 Net Fixed Assets -119.79 -96.60 -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 -59.26 Other Investment Activity -1261.70 -1107.38 -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 -557.23 Cash from Financing Activity -2,661.59 -35.53 -689.90 -30.79 9.57 -18.28 -5.07 1.09 -4.38 -75.17 Closing Cash & Equivalent 5,290.54 6,943.53 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 Net Cash Inflow / Outflow -1,652.98 294.25 -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 113.30 Opening Cash & Equivalents 6,943.53 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 127.76 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 NIM 3.10 3.12 3.38 3.23 3.57 3.51 3.72 3.73 3.55 3.21 Yield on Advances 11.20 11.58 10.95 10.17 11.44 12.29 11.53 12.22 13.32 13.98 Yield on Investments 6.51 6.33 5.88 5.67 8.65 8.44 7.60 7.83 9.19 8.59 Cost of Liabilities 5.36 5.21 4.47 4.13 5.02 5.82 5.54 5.70 6.44 7.06 Interest Spread 5.85 6.37 6.48 6.04 6.41 6.47 5.99 6.51 6.87 6.93 ROCE 13.39% 11.70% 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% 19.54% Cost Income Ratio 47.77 47.06 38.85 40.37 41.72 43.04 41.67 38.46 40.94 40.10 Core Cost Income Ratio 48.50 47.93 38.49 41.16 45.66 46.17 42.32 40.39 43.75 41.45 Operating Costs to Assets 1.98 1.90 1.73 1.76 1.97 2.04 1.96 1.89 1.95 1.75 Loans/Deposits 0.03 0.08 0.09 0.11 0.03 0.05 0.01 0.05 0.02 0.02 Cash/Deposits 0.06 0.08 0.06 0.06 0.06 0.05 0.05 0.06 0.05 0.05 Investment/Deposits 0.27 0.28 0.27 0.26 0.21 0.22 0.20 0.24 0.23 0.25 Inc Loan/Deposits 3.42% 8.49% 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% 2.45% Credit Deposits 81.98% 81.80% 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% 77.53% Interest Expended / Interest earned 60.31% 59.71% 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% 66.68% Interest income / Total funds 7.52% 7.44% 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% 9.26% Interest Expended / Total funds 4.53% 4.44% 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% 6.17% CASA 28.52% 30.63% 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37% 20.37%

Top Investors:

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visalam g

Annual Reports:

News Update:

City Union Bank opens thirteen new branches across India
28th Apr 2026, 12:17 PM

The total number of branches as on date stands at 1000
Read More
City Union Bank - Quarterly Results
28th Apr 2026, 00:00 AM

Read More
City Union Bank opens seven new branches across India
20th Apr 2026, 18:24 PM

With these additions, the total number of branches as on date stands at 971
Read More
City Union Bank opens new branch in Telangana
17th Apr 2026, 18:06 PM

The total number of branches as on date stands at 964
Read More
City Union Bank opens four new branches across India
17th Apr 2026, 14:17 PM

The total number of branches as on date stands at 963
Read More
City Union Bank opens new branch in Chennai
10th Apr 2026, 15:42 PM

The total number of branches as on date stands at 950
Read More
City Union Bank ropes in Ravindra Jadeja as primary Brand Ambassador
17th Mar 2026, 14:10 PM

In this regard, the Bank has entered into an agreement with Ravindra Jadeja and Baseline Ventures (India) for a period of 2 years
Read More
City Union Bank enters into agreement to establish AI centre of excellence for banking
9th Mar 2026, 11:09 AM

The bank has entered into agreement with Centific Global Solutions Inc (Technology Partner ‘AIDF’), SASTRA University (Knowledge Partner) and nStore Retech (Implementation Partner)
Read More
City Union Bank opens new branch in Gujarat
5th Mar 2026, 15:58 PM

With this addition, the total number of branches as on date stands at 918
Read More

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: