City Union Bank
- Market cap
- ₹ 21,995 Cr.
- P/E
- 14.3x
- P/B
- 2.12x
- 52-week range
- 168.75 – 248.85
- ROE
- 13%
- Dividend yield
- 0.9%
- Debt / equity
- 0.55
- Sector
- Banks
- Industry
- Private Sector Bank
- Listed on
- NSE, BSE
About
City Union Bank Limited (the Bank) is an India-based banking company. The Bank provides a range of banking and financial services, including commercial banking and treasury operations. The Bank's segments include Treasury, Corporate/wholesale banking, Retail banking and other banking operations. Its Retail banking segment includes digital banking and other retail banking. Its products and services include personal; gold loans; micro, small and medium enterprises, corporate, Agri & rural, NRI and tech banking. It offers various bank accounts, including CUB general savings account, CUB salary savings account for individuals and CUB savings bank account for students - young India. The Bank offers various loans, including CUB gold-based overdraft, CUB working capital loans and CUB cash credit for working capital. Its deposits and investments include CUB fixed deposit and CUB flexifix deposit. It offers insurance products to its customers. The Bank has approximately 875 branches.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Private Sector Bank: 20 companies →City Union Bank against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)14.3 against a typical 12.2: pricier than most peers (1st = cheapest).13th of 20
- Sales growth+23.7% against a typical +16.2% from a year earlier.1st of 20
- Profit growth+25.2% against a typical +34.9% from a year earlier.13th of 19
- Share price, 3 months−6.1% against a typical −5.9%.11th of 20
- Size₹ 21,995.5 Cr. market value against a typical ₹ 32,210 Cr. (1st = largest).11th of 17
Latest announcements
Exchange filings and their impact on the company.
- Strong Q2 with 27% profit growth and sharp NPA improvement points to ~30% higher earnings over next year.
City Union Bank reported Q2FY27 net profit of Rs 415.9 crore, up 26.6% from Rs 328.6 crore a year ago, on interest earned of Rs 2,092 crore and operating profit of Rs 650.9 crore. For the half-year, profit was Rs 798.5 crore with advances at Rs 77,743 crore and deposits at Rs 83,893 crore. Asset quality improved sharply with Gross NPA at 1.44% versus 2.42% last year and Net NPA at 0.48% versus 0.90%, supporting stronger earnings ahead.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA to AA- by 2 agencies- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| ICRA | [ICRA]AA | Stable | 16 Sep 2026 |
| CARE | CARE AA- | Positive | 8 Apr 2026 |
| CRISIL | — | — | 4 Dec 2025 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 16 Sep 2026 | New rating | [ICRA]AA | — | ICRA | ₹ 100 Cr. | |
| 8 Apr 2026 | Reaffirmed | CARE AA- | — | CARE | — | |
| 20 Mar 2026 | Reaffirmed | [ICRA]AA | — | ICRA | ₹ 2,500 Cr. | |
| 24 Dec 2025 | Reaffirmed | [ICRA]AA | — | ICRA | ₹ 2,000 Cr. | |
| 4 Dec 2025 | Reaffirmed | — | — | CRISIL | ₹ 250 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 28 Oct 2026Upcoming | Financial Results | To consider and approve the Un-Audited Standalone financial results for the period ended September 30, 2026 |
| 28 Jul 2026 | Financial Results | To consider and approve the Un-audited Standalone financial results for the quarter ended Jun 30, 2026 |
| 23 Jun 2026 | Dividend/Fund Raising | Fixation of ensuing AGM date, fund raising and fixation of record date for dividend |
| 27 Apr 2026 | Financial Results/Dividend/Bonus | To consider and approve the financial results for the period ended March 31, 2026, dividend and bonus shares if any, subject to approval of shareholders of the bank. |
| 2 Feb 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 3 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 31 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Standalone figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 | 1,653 | 1,756 | 1,856 | 1,985 |
| Interest | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 | 987 | 1,004 | 1,070 | 1,165 |
| Expenses | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 | 512 | 580 | 617 | 561 |
| Financing Profit | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 | 154 | 172 | 169 | 259 |
| Financing Margin % | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% | 9% | 10% | 9% | 13% |
| Other Income | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 | 259 | 245 | 290 | 244 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 | 414 | 417 | 460 | 503 |
| Tax % | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% | 21% | 20% | 22% | 24% |
| Net Profit | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 | 329 | 332 | 360 | 383 |
| EPS in Rs | 2.84 | 2.56 | 2.58 | 2.68 | 2.89 | 2.89 | 2.91 | 3.1 | 3.33 | 3.36 | 3.63 | 3.86 |
| Gross NPA % | 4.7% | 4.5% | 4% | 3.9% | 3.5% | 3.4% | 3.1% | 3% | 2.4% | 2.2% | 1.9% | 1.7% |
| Net NPA % | 2.3% | 2.2% | 2% | 1.9% | 1.6% | 1.4% | 1.3% | 1.2% | 0.9% | 0.8% | 0.7% | 0.6% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 9%
- 5 Years
- 11%
- 3 Years
- 13%
- TTM
- 20%
- 10 Years
- 12%
- 5 Years
- 17%
- 3 Years
- 12%
- TTM
- 20%
- 10 Years
- 10%
- 5 Years
- 15%
- 3 Years
- 34%
- TTM
- —
- 10 Years
- 13%
- 5 Years
- 13%
- 3 Years
- 13%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| City Union Bank | ₹ 215.00 | ₹ 21,995 Cr. | 14.3x | 2.1x | 13% | — |
| HDFC Bank | ₹ 692.10 | ₹ 10,66,990 Cr. | 16.5x | 2.2x | 13.7% | 25.6% |
| ICICI Bank | ₹ 1,395.00 | ₹ 10,01,336 Cr. | 19.3x | 2.9x | 16% | 25.9% |
| State Bank of India | ₹ 957.00 | ₹ 8,83,384 Cr. | 11.8x | 1.6x | 15.4% | 21.4% |
| Kotak Mahindra Bank | ₹ 430.10 | ₹ 4,27,849 Cr. | 20.2x | 2.1x | 11.4% | 24.5% |
| Union Bank of India | ₹ 178.50 | ₹ 1,36,260 Cr. | 6.6x | 1x | 15.8% | 33.2% |
Management
- R. Vijay Anandh
- Chief Executive Officer, Managing Director, Executive Director
- J. Sadagopan
- Chief Financial Officer
- Venkataramanan S.
- Compliance Officer, Company Secretary
- Ramesh Venkataraman
- Executive Director
Prices are delayed and for information only. Nothing on this page is investment advice.