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City Union Bank Ltd

CUB Share Price

193.941.21% (+2.31)
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CUB Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

CUB Performance & Key Metrics

CUB Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
12.641.691.04%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.892.541.17%

CUB Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
95%
Analysts have suggested that investors can buy this stock

from 21 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

CUB Company Profile

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.

Investor Presentation

View older View older 

May 2, 2025

PDF
View Older Presentations
PE Ratio
21.10
21.10
1Y Return
16.50%
16.50%
Buy Reco %
92.68
92.68
PE Ratio
19.91
19.91
1Y Return
21.37%
21.37%
Buy Reco %
90.48
90.48
PE Ratio
19.79
19.79
1Y Return
23.22%
23.22%
Buy Reco %
65.71
65.71
PE Ratio
13.46
13.46
1Y Return
1.14%
1.14%
Buy Reco %
83.33
83.33
PE Ratio
12.95
12.95
1Y Return
6.33%
6.33%
Buy Reco %
0.00
0.00
Compare with Peers

CUB Sentiment Analysis

CUB Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CUB Stock Summary · May 2025

City Union Bank reported a robust financial performance for FY 2025, highlighted by a 14% increase in gross advances and improved asset quality, with net non-performing assets projected to decrease significantly. The bank's strategic focus on branch expansion beyond Tamil Nadu aims to tap into underbanked regions, while digital initiatives are enhancing operational efficiency and customer engagement. Despite challenges from rising deposit costs and geopolitical uncertainties, management remains optimistic about sustaining credit growth, particularly in the MSME sector. The proactive approach to risk management and a stable cost-to-income ratio reflect a commitment to maintaining financial health while pursuing aggressive growth strategies. Overall, the outlook remains positive, with expectations for continued improvement in profitability and operational stability.

CUB Stock Growth Drivers
CUB Stock Growth Drivers
7
  • Strong Financial Performance

    City Union Bank reported a 14% growth in gross advances, increasing from Rs. 46,481 crores

  • Improved Asset Quality

    The bank demonstrated significant improvements in asset quality, with net non-performing assets (NPA) reduced to

CUB Stock Challenges
CUB Stock Challenges
5
  • Challenges in Net Interest Margin (NIM)

    City Union Bank is facing challenges in maintaining its net interest margin (NIM) guidance of

  • Impact of Rate Cuts on Financial Performance

    The bank has experienced challenges due to multiple rate cuts, which have resulted in a

CUB Forecast

CUB Forecasts

Price

Revenue

Earnings

CUB

CUB

Income

Balance Sheet

Cash Flow

CUB Income Statement

CUB Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 7.03%, vs industry avg of 16.68%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 0.79% to 0.51%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 8.27%, vs industry avg of 43.24%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue3,657.743,934.524,281.564,848.554,823.454,863.865,524.706,012.236,732.106,732.10
Raw Materialssubtract5,315.485,315.47
Power & Fuel Costsubtract
Employee Costsubtract298.14315.88364.44420.65463.72503.60530.37613.81
Selling & Administrative Expensessubtract250.57285.60333.83361.63343.80350.03385.92457.06
Operating & Other expensessubtract2,363.252,490.582,596.943,400.953,235.642,940.053,358.073,635.22
Depreciation/Amortizationsubtract53.0152.4661.5078.9987.4785.0272.8575.390.00
Interest & Other Itemssubtract
Taxes & Other Itemssubtract190.00198.00242.00110.00100.00225.00240.00215.00293.00293.00
EPS6.938.129.326.478.0310.2812.6713.7215.1715.17
DPS0.250.270.500.500.501.001.001.502.001.50
Payout ratio0.040.030.050.080.060.100.080.110.130.10

CUB Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

May 2PDF
Jan 31PDF
Oct 21PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 11PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 26PDF
Feb 11PDF
Nov 4PDF
Aug 8PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 27PDF
Feb 4PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
FY 2016FY 2016

Annual report

PDF
FY 2015FY 2015

Annual report

PDF
 

CUB Stock Peers

CUB Past Performance & Peer Comparison

CUB Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

Loading...

StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
City Union Bank Ltd12.641.691.04%
HDFC Bank Ltd21.103.181.12%
ICICI Bank Ltd19.913.750.76%
Kotak Mahindra Bank Ltd19.793.34

CUB Stock Price Comparison

Compare CUB with any stock or ETF
Compare CUB with any stock or ETF
CUB
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CUB Holdings

CUB Shareholdings

CUB Promoter Holdings Trend

CUB Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

CUB Institutional Holdings Trend

CUB Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

CUB Shareholding Pattern

CUB Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding0.00%27.99%5.08%28.03%38.90%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

CUB Shareholding History

CUB Shareholding History

Dec '23MarJunSepDec '24Mar26.60%26.96%26.44%26.01%27.44%28.03%

Mutual Funds Invested in CUB

Mutual Funds Invested in CUB

No mutual funds holding trends are available

Top 5 Mutual Funds holding City Union Bank Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
5.6870%2.40%0.23%5/73 (+1)
3.5559%0.64%0.07%23/83 (+3)
2.6897%1.13%0.10%38/89 (+5)

Compare 3-month MF holding change on Screener

CUB Insider Trades & Bulk Stock Deals

CUB Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing CUB stock

smallcases containing CUB stock

Looks like this stock is not in any smallcase yet.

CUB Events

CUB Events

CUB Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CUB has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.04%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹10.43 every year

Dividends

Corp. Actions

Announcements

Legal Orders

CUB Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CUB has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.04%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹10.43 every year

CUB Upcoming Dividends

CUB Upcoming Dividends

No upcoming dividends are available

CUB Past Dividends

CUB Past Dividends

Cash Dividend

Ex DateEx DateAug 9, 2024

Final
Final | Div/Share: ₹1.50

Dividend/Share

1.50

Ex DateEx Date

Aug 9, 2024

Cash Dividend

Ex DateEx DateAug 11, 2023

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Aug 11, 2023

Cash Dividend

Ex DateEx DateAug 10, 2022

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Aug 10, 2022

Cash Dividend

Ex DateEx DateAug 11, 2021

Final
Final | Div/Share: ₹0.20

Dividend/Share

0.20

Ex DateEx Date

Aug 11, 2021

Cash Dividend

Ex DateEx DateJun 4, 2021

Interim
Interim | Div/Share: ₹0.30

Dividend/Share

0.30

Ex DateEx Date

Jun 4, 2021

CUB Stock News & Opinions

CUB Stock News & Opinions

Corporate
City Union Bank Independent Director ceases

City Union Bank announced that Shri. Narayanan Subramaniam Independent Director of the Bank vacated his office as an Independent Director from the close of business hours on June L9, 2025 on account of completion of his 8 years tenure in terms of Section 10(2AXi) of the Banking Regulation Act, 1949.Powered by Capital Market - Live

3 days agoCapital Market - Live
Corporate
City Union Bank to hold AGM

City Union Bank announced that the Annual General Meeting(AGM) of the bank will be held on 13 August 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
City Union Bank to conduct board meeting

City Union Bank will hold a meeting of the Board of Directors of the Company on 11 June 2025.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
City Union Bank rallies after Q4 PAT rises 13% YoY to Rs 288 cr

Net interest income (NII) rose 10% to Rs 601 crore in March 2025 quarter, compared to Rs 547 crore in Q4 FY24. For Q4 FY25, NIM was at 3.60% as against 3.66% in the corresponding period last year. Profit before tax (PBT) grew 13.48% year on year (YoY) to Rs 362.96 crore in the quarter ended 31 March 2025. The bank's operating profit before provisions and contingencies jumped 25.34% to Rs 440.96 crore in March 2025 quarter, compared to Rs 351.81 crore recorded in Q4 FY24. The bank made a provision of Rs 555 crore as of 31 March 2025 as against Rd 501 crore in the corresponding period last year. On asset quality front, the gross non-performing assets (GNPA) was at Rs 1,638.16 crore as on 31 March 2025, down 11.66% as against Rs 1,854.43 crore as on 31 March 2024. The ratio of gross NPA stood at 3.09% as of 31 March 2025, compared to 3.99% as on 31 March 2024. The ratio of net NPA stood at 1.25% as of 31 March 2025, compared with 1.97% as of 31 March 2024. The bank's capital adequacy as on 31 March 2025 as per Reserve Bank of India (RBI) guidelines on Basel III norms is 23.75% and Tier-1 capital adequacy was 22.70%, well above regulatory requirements. On a full year basis, the bank's net profit rallied 11% to Rs 1,124 crore on 21% rise in total income to Rs 6,732 crore in FY25 over FY24. Total deposits of the bank had increased by 14% and increased to Rs 63,526 crore in FY25 from Rs 55,657 crore in corresponding period last year. CASA portion stood at 29% to total deposits. Cost of Deposits increased to 5.85% in FY25 from 5.59 % in FY24. Total advances increased by 14% for FY25 to Rs 53,066 crore from Rs 46,481 crore in FY 24. Average credit deposit ratio stood at 84%. Meanwhile, the board of directors has recommended a dividend Rs 2 per equity share for the Financial Year 2024-25. The Payment of which will be subject to approval by the shareholders cif the Bank at the ensuing Annual General Meeting. City Union Bank is an old sector private sector bank with 875 branches across 16 states and three Union territories. It is a scheduled commercial Bank regulated by the Reserve Bank of India. It is professionally managed and governed. City Union Bank has contemporary technology and infrastructure including ATMs, Net Banking, Mobile Banking, E-Wallet, and Social Media Banking for personal as well as business banking customers. Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
City Union Bank standalone net profit rises 13.01% in the March 2025 quarter

Net profit of City Union Bank rose 13.01% to Rs 287.96 crore in the quarter ended March 2025 as against Rs 254.82 crore during the previous quarter ended March 2024. Total Operating Income rose 11.54% to Rs 1532.72 crore in the quarter ended March 2025 as against Rs 1374.12 crore during the previous quarter ended March 2024. For the full year,net profit rose 10.62% to Rs 1123.63 crore in the year ended March 2025 as against Rs 1015.73 crore during the previous year ended March 2024. Total Operating Income rose 10.69% to Rs 5834.04 crore in the year ended March 2025 as against Rs 5270.57 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income1532.721374.12 12 5834.045270.57 11 OPM %68.1270.75 -69.2068.99 - PBDT362.96319.82 13 1416.631230.73 15 PBT362.96319.82 13 1416.631230.73 15 NP287.96254.82 13 1123.631015.73 11 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Board of City Union Bank recommends Final Dividend

City Union Bank announced that the Board of Directors of the Company at its meeting held on 02 May 2025, has recommended a Final Dividend of Rs.2 per share (i.e.200%), subject to the approval of the shareholders.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
City Union Bank to convene board meeting

City Union Bank will hold a meeting of the Board of Directors of the Company on 2 May 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
City Union Bank add three new branches in Tamil Nadu

City Union Bank has opened three new branches at Akasampattu, Inam Kariyandal and Thanthoni in Tamil Nadu with effect from 10 March 2025. With this, the Bank's branch network increases to 848 branches. Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
City Union Bank opens two new branches in Bhuj and Jhunjhuna

City Union Bank has opened two new branches in Bhuj, Gujarat and Jhunjhuna, Rajasthan on 05 March 2025. With this, the Bank has a total of 845 branches. Powered by Capital Market - Live

3 months agoCapital Market - Live
Spotlight
City Union Bank Ltd down for fifth straight session

City Union Bank Ltd is down for a fifth straight session today. The stock is quoting at Rs 161.18, down 2.87% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.87% on the day, quoting at 22830.85. The Sensex is at 75660.79, down 0.63%.City Union Bank Ltd has lost around 4.55% in last one month.Meanwhile, Nifty Private Bank index of which City Union Bank Ltd is a constituent, has increased around 1.57% in last one month and is currently quoting at 24669, down 1.23% on the day. The volume in the stock stood at 8.16 lakh shares today, compared to the daily average of 19.83 lakh shares in last one month. The benchmark February futures contract for the stock is quoting at Rs 161.43, down 2.8% on the day. City Union Bank Ltd jumped 17.26% in last one year as compared to a 4.2% rally in NIFTY and a 5.68% spurt in the Nifty Private Bank index.The PE of the stock is 11.28 based on TTM earnings ending December 24.Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

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

    The share price of CUB as on 24th June 2025 is ₹193.94. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on City Union Bank Ltd (CUB) share?

    The past returns of City Union Bank Ltd (CUB) share are
    • Past 1 week: -2.50%
    • Past 1 month: -2.20%
    • Past 3 months: 19.71%
    • Past 6 months: 9.79%
    • Past 1 year: 18.10%
    • Past 3 years: 54.73%
    • Past 5 years: 53.61%

  3. What are the peers or stocks similar to City Union Bank Ltd (CUB)?

    The peers or stocks similar to City Union Bank Ltd (CUB) include:

  4. What is the dividend yield % of City Union Bank Ltd (CUB) share?

    The current dividend yield of City Union Bank Ltd (CUB) is 1.04.

  5. What is the market cap of City Union Bank Ltd (CUB) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of City Union Bank Ltd (CUB) is ₹14199.94 Cr as of 24th June 2025.

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

    The 52-week high of City Union Bank Ltd (CUB) is ₹208.40 and the 52-week low is ₹142.91.

  7. What is the PE and PB ratio of City Union Bank Ltd (CUB) stock?

    The P/E (price-to-earnings) ratio of City Union Bank Ltd (CUB) is 12.64. The P/B (price-to-book) ratio is 1.69.

  8. Which sector does City Union Bank Ltd (CUB) belong to?

    City Union Bank Ltd (CUB) belongs to the Financials sector & Private Banks sub-sector.

  9. How to buy City Union Bank Ltd (CUB) shares?

    You can directly buy City Union Bank Ltd (CUB) shares on Tickertape. Simply sign up, connect your demat account and place your order.