City Union Bank Ltd.

NSE: CUB · Financial Services

₹219.50+0.41%06 Nov 2026

Ask the data

Instant answers about City Union Bank Ltd. — computed from its filings, no language model

Market cap₹21,748 cr

Current price₹219.50

High / Low₹238 / ₹172

P/E14.6

P/B1.94

Book value₹113.0

ROE13.3%

ROCE—

Debt / equity—

Dividend yield-0.68%

EPS (TTM)₹15.04

Face value₹1

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

showing latest 6 of 17 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19	FY20	FY21	FY22	FY24	FY25	FY26
Total income	928	1,100	1,376	1,904	2,462	2,847	3,103	3,354	3,658	3,935	4,282	4,849	4,839	4,864	6,012	6,732	7,909
Pre-provision op. profit	227	256	361	427	523	581	693	833	994	1,208	1,240	1,341	1,484	1,595	1,517	1,679	2,014
Operating margin	24.4%	23.3%	26.2%	22.4%	21.3%	20.4%	22.3%	24.8%	27.2%	30.7%	29.0%	27.7%	30.7%	32.8%	25.2%	24.9%	25.5%
Interest	562	678	798	1,197	1,565	1,787	1,891	1,963	1,975	1,972	2,156	2,493	2,305	2,188	3,147	3,518	4,040
Profit before tax	178	195	282	343	403	414	521	603	693	790	925	586	693	985	1,231	1,417	1,671
Tax	56	42	67	63	81	66	126	158	190	198	242	110	100	225	215	293	345
Net profit	122	153	215	280	322	347	395	445	503	592	683	476	593	760	1,016	1,124	1,326
EPS ₹	—	—	—	—	—	—	—	—	—	—	9.57	6.48	8.03	10.29	13.72	15.17	17.88
Operating cash flow	—	—	—	—	—	—	—	—	—	—	—	—	—	1,21,273	527	1,625	-11,435
Capex	—	—	—	—	—	—	—	—	—	—	—	—	—	-7,710	-168	-198	-353
Dividend paid	—	—	—	—	—	—	—	—	—	—	—	—	—	-3,758	-74	-111	-148
Total assets	—	—	—	—	—	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	70,826	77,623	97,024
Equity	—	—	—	—	—	2,025	2,696	3,052	3,570	4,163	4,841	5,296	5,842	6,586	8,401	9,467	10,565

Quarterly performance

last 77 quarters · ₹ crore

showing latest 8 of 77 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18	SEP '18†	DEC '18	MAR '19	JUN '19	SEP '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21†	SEP '21†	DEC '21†	MAR '22	JUN '22†	SEP '22	DEC '22†	MAR '23†	JUN '23†	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	170	176	198	208	218	247	256	254	285	279	282	299	336	349	391	417	460	489	537	567	596	621	678	708	702	711	726	754	773	782	794	811	829	850	864	883	895	954	926	961	996	987	990	1,019	1,045	1,086	1,131	1,193	1,232	1,203	1,221	1,210	1,230	1,278	1,121	1,193	1,225	1,195	1,253	1,317	1,355	1,430	1,423	1,458	1,486	1,519	1,549	1,581	1,660	1,707	1,784	1,849	1,912	2,001	2,146	2,229	2,442
Pre-provision op. profit	47	43	54	47	54	65	61	47	64	71	74	79	95	90	97	106	102	105	114	114	128	131	150	162	141	135	144	173	173	168	179	197	205	207	224	236	237	274	248	297	320	296	294	299	296	307	338	351	346	308	335	356	385	458	285	383	405	370	440	447	456	497	417	414	387	364	352	373	428	436	441	451	471	513	580	581	661
Operating margin	27.8%	24.5%	27.0%	22.6%	24.8%	26.2%	23.9%	18.6%	22.5%	25.5%	26.1%	26.3%	28.3%	25.8%	24.9%	25.5%	22.1%	21.4%	21.3%	20.1%	21.5%	21.1%	22.1%	22.8%	20.1%	18.9%	19.8%	22.9%	22.4%	21.5%	22.5%	24.3%	24.7%	24.3%	25.9%	26.7%	26.5%	28.7%	26.8%	30.9%	32.1%	30.0%	29.7%	29.4%	28.3%	28.2%	29.9%	29.5%	28.1%	25.6%	27.4%	29.4%	31.3%	35.9%	25.4%	32.1%	33.1%	30.9%	35.1%	34.0%	33.7%	34.8%	29.3%	28.4%	26.0%	24.0%	22.7%	23.6%	25.8%	25.5%	24.7%	24.4%	24.6%	25.6%	27.0%	26.1%	27.1%
Other income	22	21	28	22	—	38	36	26	49	36	32	32	44	36	45	46	49	51	61	63	64	66	81	84	62	65	91	111	90	98	105	105	95	103	107	111	104	143	126	135	155	122	120	129	119	120	147	163	195	142	179	161	169	230	145	196	203	160	203	218	173	224	195	191	182	193	175	192	226	228	251	244	259	245	290	244	350
Interest	97	106	117	128	131	143	160	172	177	167	163	175	188	208	227	251	291	316	339	366	382	392	424	437	451	449	451	457	477	475	484	482	495	494	492	492	489	504	489	483	486	500	503	515	528	549	564	612	625	634	622	612	586	559	548	550	544	545	549	575	613	650	714	744	766	810	828	843	851	891	932	980	987	1,004	1,070	1,165	1,219
Profit before tax	41	34	33	29	43	67	39	35	62	61	38	62	79	79	61	87	93	79	85	96	100	100	106	141	53	106	114	130	118	141	132	152	155	142	153	165	170	182	176	180	191	211	208	222	228	228	247	236	239	227	-115	199	208	240	46	213	257	246	269	295	351	273	258	262	331	318	320	334	358	361	363	381	414	417	460	503	541
Tax	14	8	4	3	6	35	13	3	16	20	3	18	18	22	10	28	15	7	13	22	20	15	24	51	-32	16	31	30	24	38	32	40	48	29	41	42	46	55	48	40	46	56	56	60	60	50	72	50	45	35	-20	45	50	70	-65	40	75	50	60	70	75	55	40	35	50	65	65	70	73	75	75	75	85	85	100	120	125
Net profit	27	25	28	26	38	32	26	32	46	41	35	44	62	58	51	59	78	72	72	74	80	85	82	90	84	89	83	100	94	103	99	112	108	113	112	124	124	127	129	140	145	155	152	162	168	178	175	186	194	192	-95	154	158	170	111	173	182	196	209	225	276	218	218	227	281	253	255	264	285	286	288	306	329	332	360	383	416
EPS ₹	10.63	8.09	0.88	0.82	1.18	0.00	0.82	0.99	1.43	1.27	0.91	1.11	1.54	1.43	1.27	1.44	1.91	1.77	1.77	1.81	1.97	2.08	1.73	1.90	1.62	1.65	2.40	1.83	1.61	1.73	1.66	1.87	1.81	1.89	1.88	2.07	2.07	2.12	2.14	2.33	2.22	2.33	2.29	2.43	2.30	2.43	2.39	2.53	2.63	2.62	-1.29	2.09	2.14	2.30	1.51	2.34	2.46	2.65	2.83	3.04	3.74	2.94	2.95	3.08	3.78	3.42	3.44	3.57	3.85	3.86	3.89	4.13	4.43	4.48	4.84	3.86	4.20
Revenue YoY	—	—	—	—	28.5%	40.0%	28.8%	22.5%	30.5%	12.9%	10.5%	17.7%	17.9%	25.4%	38.5%	39.3%	36.9%	40.1%	37.4%	35.9%	29.5%	27.0%	26.2%	24.9%	17.8%	14.4%	7.1%	6.5%	10.1%	10.0%	9.3%	7.5%	7.3%	8.7%	8.8%	8.9%	7.9%	12.2%	7.2%	8.8%	11.3%	3.5%	7.0%	6.0%	4.9%	10.1%	14.2%	17.1%	17.9%	10.7%	7.9%	1.5%	-0.1%	6.2%	-8.2%	-1.4%	-0.4%	-6.5%	11.7%	10.4%	10.6%	19.6%	13.6%	10.7%	9.7%	6.2%	8.9%	8.4%	11.7%	12.4%	15.1%	17.0%	15.2%	17.2%	20.3%	20.5%	27.7%
Profit YoY	—	—	—	—	40.5%	26.6%	-7.3%	20.2%	21.5%	26.5%	33.3%	40.6%	34.6%	41.9%	47.7%	31.9%	25.9%	25.2%	40.0%	26.3%	3.7%	18.0%	14.6%	22.2%	4.9%	4.5%	1.1%	10.2%	11.1%	15.3%	18.9%	12.1%	15.0%	10.1%	13.3%	10.7%	14.7%	12.0%	14.8%	13.6%	17.0%	22.2%	18.0%	15.2%	16.0%	15.1%	15.1%	14.8%	15.2%	8.0%	-154.4%	-17.0%	-18.5%	-11.7%	—	12.3%	15.5%	15.4%	87.9%	30.1%	51.8%	11.1%	4.3%	0.9%	1.5%	16.2%	16.9%	16.4%	1.6%	13.0%	13.0%	15.7%	15.2%	16.1%	24.9%	25.1%	26.6%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 74 periods

	JUN '08	SEP '08	DEC '08	MAR '09	JUN '09	SEP '09	DEC '09	MAR '10	JUN '10	SEP '10	DEC '10	MAR '11	JUN '11	SEP '11	DEC '11	MAR '12	JUN '12	SEP '12	DEC '12	MAR '13	JUN '13	SEP '13	DEC '13	MAR '14	JUN '14	SEP '14	DEC '14	MAR '15	JUN '15	SEP '15	DEC '15	MAR '16	JUN '16	SEP '16	DEC '16	MAR '17	JUN '17	SEP '17	DEC '17	MAR '18	JUN '18	SEP '18	DEC '18	MAR '19	JUN '19	SEP '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	17.1%	17.6%	18.1%	18.7%	14.7%	15.1%	15.6%	16.0%	14.6%	15.0%	15.5%	15.9%	14.1%	14.6%	15.1%	15.9%	14.2%	14.7%	15.3%	15.9%	14.1%	14.6%	15.1%	15.4%	9.0%	8.4%	7.7%	7.3%	10.1%	10.5%	10.9%	11.3%	11.5%	12.3%	12.9%	13.2%	13.4%	13.4%	12.0%	12.4%	12.1%	12.5%	11.9%	12.3%	11.9%	12.3%	12.2%	12.6%	12.6%	13.3%	13.3%
Net margin	14.2%	14.7%	14.3%	13.2%	13.1%	13.0%	13.4%	13.9%	14.5%	15.2%	15.7%	15.6%	15.3%	15.2%	14.8%	14.7%	14.4%	13.6%	13.4%	13.1%	13.0%	12.6%	12.4%	12.2%	12.3%	12.3%	12.5%	12.7%	12.9%	13.1%	13.1%	13.3%	13.3%	13.5%	13.5%	13.7%	13.9%	14.1%	14.7%	15.0%	15.4%	15.8%	15.9%	15.9%	15.9%	15.8%	15.7%	9.8%	9.1%	8.4%	7.8%	12.2%	12.7%	13.2%	14.0%	15.6%	16.3%	17.7%	17.3%	17.0%	16.6%	16.3%	16.6%	16.9%	17.2%	16.8%	16.8%	16.7%	16.6%	16.7%	16.6%	16.8%	16.9%	16.9%
EBITDA margin	25.4%	24.7%	25.2%	24.4%	23.3%	22.8%	22.7%	23.3%	25.1%	26.6%	26.6%	26.2%	26.0%	24.4%	23.3%	22.4%	21.2%	21.1%	21.0%	21.3%	21.9%	21.5%	21.0%	20.4%	20.5%	21.1%	21.7%	22.3%	22.7%	23.3%	24.0%	24.8%	25.4%	25.9%	27.0%	27.2%	28.2%	29.7%	30.0%	30.7%	30.3%	29.4%	28.9%	29.0%	29.0%	28.9%	28.2%	27.7%	27.7%	28.5%	31.1%	30.7%	31.3%	31.8%	30.5%	32.8%	33.3%	33.5%	34.4%	32.9%	31.5%	29.6%	26.9%	25.2%	24.1%	24.1%	24.5%	24.9%	25.1%	24.8%	24.9%	25.5%	25.9%	26.5%
Asset turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.11	0.12	0.12	0.12	0.11	0.11	0.12	0.12	0.11	0.11	0.11	0.11	0.10	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.09	0.10	0.10	0.11	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.08	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.08	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.08	0.09	0.09

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 17 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	54	60	60	60	66	73	74	74	74	74	74	74	74	74	74	74	99
Reserves	1,971	2,636	2,992	3,510	4,097	4,767	5,222	5,769	6,512	6,939	7,817	8,327	8,806	9,393	9,852	10,491	11,093
Total equity	2,025	2,696	3,052	3,570	4,163	4,841	5,296	5,842	6,586	7,013	7,891	8,401	8,880	9,467	9,926	10,565	11,192
Deposits	22,017	24,075	27,158	30,116	32,853	38,448	40,832	44,537	47,690	49,878	52,714	55,657	57,369	63,526	69,486	78,308	83,893
Borrowings	305	169	665	531	1,736	481	2,032	1,346	5,312	5,398	4,514	4,724	2,547	2,169	2,183	5,327	5,280
Total assets	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	64,395	67,274	70,826	71,366	77,623	84,402	97,024	1,03,462
Advances	16,097	17,966	21,057	23,833	27,853	32,673	33,927	36,158	40,358	41,913	42,652	45,526	47,771	52,081	56,681	65,875	71,743
Investments	5,954	5,871	6,826	7,031	7,879	7,712	9,117	9,436	12,221	14,678	15,688	15,664	16,453	17,336	17,519	18,987	20,204
Fixed assets	183	210	218	215	223	250	245	233	215	244	243	270	293	322	388	469	551
Cash & bank balances	2,180	2,537	2,650	2,879	2,636	2,963	4,722	5,615	6,687	5,454	6,128	6,944	3,872	5,291	6,953	8,927	8,325

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 10 periods

	FY14‡	FY15‡	FY16‡	FY17‡	FY18‡	FY19‡	FY22	FY24	FY25	FY26
Cash from operations	131	198	284	-183	397	-183	1,21,273	527	1,625	-11,435
Cash from investing	-64	-60	-50	-61	-87	-61	9,136	230	276	14,860
Cash from financing	291	-75	-4	1	17	1	-23,222	-463	-3,554	-3,425
Capex	65	60	51	61	89	61	-7,710	-168	-198	-353
Free cash flow	66	138	233	-244	307	-244	1,28,983	696	1,823	-11,082
Dividends paid	54	66	17	20	0	20	-3,758	-74	-111	-148

Where the assets sit

Sep '26 · ₹ crore

Advances

₹71,743 cr69%

Investments

₹20,204 cr20%

Fixed assets

₹551 cr1%

Cash & bank

₹8,325 cr8%

Other assets

₹2,640 cr3%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
City Union Bank Ltd.	21,748	219.50	14.6	1.94	13.3%

StoxGud checklist: Neutral setup · 6/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-1.2%

6 months+8.1%

1 year+23.9%

3Y CAGR+28.2%

5Y CAGR+11.2%

10Y CAGR+6.9%

50-day avg₹225.34

200-day avg₹209.09

RSI (14)45

Compare City Union Bank Ltd. with

Aditya Birla Sun Life AMC vs City Union Bank Capri Global Capital vs City Union Bank City Union Bank vs Aadhar Housing Finance City Union Bank vs Pine Labs

FAQs

What is the share price of City Union Bank Ltd.?

City Union Bank Ltd. (CUB) closed at ₹219.50 on NSE on 06 Nov 2026.

What is the market cap of City Union Bank Ltd.?

₹21,748 crore at the latest close.

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

14.6, on trailing-twelve-month earnings from its filings.

How fast is City Union Bank Ltd. growing?

City Union Bank Ltd.: revenue has compounded at 17.6% a year over three years; net profit at 20.4% a year. Latest-quarter revenue is up 27.7% year on year, profit up 26.6%.

How profitable is City Union Bank Ltd.?

On a trailing-twelve-month basis return on equity is 13.3%, operating margin 26.5%, net margin 16.9%.

How much debt does City Union Bank Ltd. have?

Debt to equity isn't meaningful for City Union Bank Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from City Union Bank Ltd.'s own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from SEP '07, annual from FY09, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters before JUN '18 and quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.