Share Price and Basic Stock Data
Last Updated: January 13, 2026, 6:36 pm
| PEG Ratio | 1.76 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
City Union Bank Ltd, a prominent player in the private sector banking industry, reported a share price of ₹292 and a market capitalization of ₹21,680 Cr. The bank’s revenue trajectory has shown consistent growth, with quarterly revenues rising from ₹1,181 Cr in September 2022 to ₹1,304 Cr by September 2023. This upward trend is expected to continue, with revenues projected to reach ₹1,653 Cr by September 2025. The bank’s total revenue for the fiscal year ending March 2025 is reported at ₹5,834 Cr, reflecting a significant increase from ₹4,714 Cr in the previous fiscal year. Interest income also demonstrated robust growth, moving from ₹613 Cr in September 2022 to ₹766 Cr in September 2023. This indicates a strong demand for the bank’s lending products, aligning with the overall growth of the Indian economy. The consistent increase in revenue and interest income positions City Union Bank favorably within the competitive banking landscape.
Profitability and Efficiency Metrics
City Union Bank’s profitability metrics demonstrate a solid financial performance, with a net profit of ₹1,208 Cr reported for the trailing twelve months. The bank’s return on equity (ROE) stood at 12.6%, reflecting efficient use of shareholders’ equity to generate profits. Profit before tax for the fiscal year ending March 2025 is reported at ₹1,417 Cr, showing an increase from ₹1,177 Cr in March 2023. Additionally, the bank’s net profit margin remained strong at 19.25%, indicating effective management of expenses relative to revenue. The financing margin, which stood at 10% for March 2025, further highlights the bank’s ability to maintain a healthy spread between interest earned and interest paid. However, the cost-to-income ratio of 47.76% suggests that there is room for improvement in managing operating expenses, especially in a competitive banking environment.
Balance Sheet Strength and Financial Ratios
The balance sheet of City Union Bank reflects a healthy financial position, with total assets reported at ₹84,402 Cr as of September 2025. The bank’s reserves have also seen a consistent increase, standing at ₹9,852 Cr in September 2025, compared to ₹7,383 Cr in March 2023. The bank’s borrowing levels are relatively low, with reported borrowings of ₹2,183 Cr, indicating a prudent approach to leveraging. Financial ratios further reinforce the bank’s stability; the net interest margin is reported at 2.98, aligning with sector averages, while the return on assets (ROA) stood at 1.44%. The price-to-earnings (P/E) ratio of 17.9 is slightly above the typical sector range, suggesting that the stock may be valued at a premium due to its strong performance and growth prospects. However, the P/BV ratio is not available, which could limit comprehensive valuation analysis.
Shareholding Pattern and Investor Confidence
The shareholding pattern of City Union Bank indicates a diversified investor base, with foreign institutional investors (FIIs) holding 25.96% and domestic institutional investors (DIIs) at 36.75%. The public holds 37.27% of the shares, reflecting a balanced distribution among different investor categories. The increase in institutional holding from December 2022, when FIIs were at 23.75%, to the current level signifies growing confidence among institutional investors. The total number of shareholders has also risen significantly from 1,45,083 in December 2022 to 2,09,805 by September 2025, indicating increasing retail investor interest. This broad-based ownership can provide stability to the stock price and reflects positively on the bank’s governance and performance. However, the fluctuation in FIIs’ stake, which peaked at 28.04% in March 2025 before declining, may suggest some volatility in institutional sentiment.
Outlook, Risks, and Final Insight
Looking ahead, City Union Bank is well-positioned for continued growth, driven by its robust revenue generation and profitability metrics. However, potential risks include the management of its cost-to-income ratio and maintaining asset quality amid economic fluctuations, as indicated by the gross NPA percentage of 4.66% in September 2023. The declining trend in NPAs, which improved to 2.42% by September 2025, is promising but necessitates ongoing vigilance. Furthermore, external factors such as interest rate changes and regulatory developments could impact the bank’s performance. In the event of sustained economic growth, the bank may leverage its strong position to expand its market share and enhance profitability. Conversely, any economic downturn could challenge its asset quality and profitability. Thus, while the outlook is positive, careful monitoring of both internal and external variables will be essential for stakeholders.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,952 Cr. | 235 | 339/180 | 24.3 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,315 Cr. | 25.5 | 38.9/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,197 Cr. | 264 | 331/249 | 8.85 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,482 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,203 Cr. | 57.7 | 60.2/30.8 | 26.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,625.57 Cr | 423.07 | 18.45 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,181 | 1,206 | 1,228 | 1,266 | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 | 1,653 |
| Interest | 613 | 650 | 714 | 744 | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 | 987 |
| Expenses | 390 | 507 | 451 | 452 | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 | 512 |
| Financing Profit | 178 | 49 | 63 | 71 | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 | 154 |
| Financing Margin % | 15% | 4% | 5% | 6% | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% | 9% |
| Other Income | 173 | 224 | 195 | 191 | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 | 259 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 351 | 273 | 258 | 262 | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 | 414 |
| Tax % | 21% | 20% | 16% | 13% | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% | 21% |
| Net Profit | 276 | 218 | 218 | 227 | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 | 329 |
| EPS in Rs | 3.74 | 2.94 | 2.94 | 3.07 | 3.79 | 3.42 | 3.44 | 3.57 | 3.85 | 3.86 | 3.89 | 4.13 | 4.43 |
| Gross NPA % | 4.36% | 4.62% | 4.37% | 4.91% | 4.66% | 4.47% | 3.99% | 3.88% | 3.54% | 3.36% | 3.09% | 2.99% | 2.42% |
| Net NPA % | 2.69% | 2.67% | 2.36% | 2.51% | 2.34% | 2.19% | 1.97% | 1.87% | 1.62% | 1.42% | 1.25% | 1.20% | 0.90% |
Last Updated: January 2, 2026, 2:35 am
Below is a detailed analysis of the quarterly data for City Union Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 987.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 980.00 Cr. (Jun 2025) to 987.00 Cr., marking an increase of 7.00 Cr..
- For Expenses, as of Sep 2025, the value is 512.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 488.00 Cr. (Jun 2025) to 512.00 Cr., marking an increase of 24.00 Cr..
- For Other Income, as of Sep 2025, the value is 259.00 Cr.. The value appears strong and on an upward trend. It has increased from 244.00 Cr. (Jun 2025) to 259.00 Cr., marking an increase of 15.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 414.00 Cr.. The value appears strong and on an upward trend. It has increased from 381.00 Cr. (Jun 2025) to 414.00 Cr., marking an increase of 33.00 Cr..
- For Tax %, as of Sep 2025, the value is 21.00%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Jun 2025) to 21.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 329.00 Cr.. The value appears strong and on an upward trend. It has increased from 306.00 Cr. (Jun 2025) to 329.00 Cr., marking an increase of 23.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.43. The value appears strong and on an upward trend. It has increased from 4.13 (Jun 2025) to 4.43, marking an increase of 0.30.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:30 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,546 | 2,699 | 2,944 | 3,174 | 3,402 | 3,767 | 4,169 | 4,135 | 4,105 | 4,714 | 5,271 | 5,834 | 6,270 |
| Interest | 1,787 | 1,891 | 1,963 | 1,975 | 1,972 | 2,156 | 2,493 | 2,305 | 2,188 | 2,552 | 3,147 | 3,518 | 3,790 |
| Expenses | 588 | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 1,944 |
| Financing Profit | 171 | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 600 | 536 |
| Financing Margin % | 7% | 6% | 8% | 8% | 9% | 13% | -0% | 2% | 8% | 9% | 11% | 10% | 9% |
| Other Income | 280 | 415 | 410 | 484 | 532 | 514 | 680 | 689 | 759 | 810 | 742 | 898 | 983 |
| Depreciation | 38 | 47 | 52 | 53 | 52 | 62 | 79 | 87 | 85 | 73 | 75 | 82 | 0 |
| Profit before tax | 414 | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,177 | 1,231 | 1,417 | 1,518 |
| Tax % | 16% | 24% | 26% | 27% | 25% | 26% | 19% | 14% | 23% | 20% | 17% | 21% | |
| Net Profit | 347 | 395 | 445 | 503 | 592 | 683 | 476 | 593 | 760 | 937 | 1,016 | 1,124 | 1,208 |
| EPS in Rs | 5.29 | 5.47 | 6.14 | 6.91 | 8.10 | 9.30 | 6.46 | 8.02 | 10.28 | 12.66 | 13.71 | 15.16 | 16.31 |
| Dividend Payout % | 16% | 17% | 16% | 4% | 3% | 5% | 8% | 6% | 10% | 8% | 11% | 13% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 13.83% | 12.66% | 13.03% | 17.69% | 15.37% | -30.31% | 24.58% | 28.16% | 23.29% | 8.43% | 10.63% |
| Change in YoY Net Profit Growth (%) | 0.00% | -1.17% | 0.38% | 4.66% | -2.32% | -45.68% | 54.89% | 3.58% | -4.87% | -14.86% | 2.20% |
City Union Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 7% |
| 3 Years: | 12% |
| TTM: | 12% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 19% |
| 3 Years: | 14% |
| TTM: | 11% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 7% |
| 3 Years: | 3% |
| 1 Year: | 15% |
| Return on Equity | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 12% |
| 3 Years: | 13% |
| Last Year: | 13% |
Last Updated: September 5, 2025, 2:00 am
Balance Sheet
Last Updated: December 4, 2025, 1:07 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 60 | 60 | 60 | 66 | 73 | 74 | 74 | 74 | 74 | 74 | 74 | 74 |
| Reserves | 1,971 | 2,636 | 2,992 | 3,510 | 4,097 | 4,767 | 5,222 | 5,769 | 6,512 | 7,383 | 8,327 | 9,393 | 9,852 |
| Deposits | 22,057 | 24,115 | 27,158 | 30,116 | 32,853 | 38,448 | 40,832 | 44,537 | 47,690 | 52,398 | 55,657 | 63,526 | 69,486 |
| Borrowing | 265 | 129 | 665 | 531 | 1,736 | 481 | 2,032 | 1,346 | 5,312 | 4,688 | 4,724 | 2,169 | 2,183 |
| Other Liabilities | 647 | 932 | 929 | 1,054 | 1,186 | 1,489 | 1,573 | 1,586 | 1,944 | 2,051 | 2,044 | 2,461 | 2,808 |
| Total Liabilities | 24,994 | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 | 84,402 |
| Fixed Assets | 183 | 210 | 218 | 215 | 223 | 250 | 245 | 233 | 215 | 239 | 270 | 322 | 388 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 5,954 | 5,871 | 6,826 | 7,031 | 7,879 | 7,712 | 9,117 | 9,436 | 12,221 | 14,333 | 15,664 | 17,336 | 17,519 |
| Other Assets | 18,857 | 21,790 | 24,760 | 28,024 | 31,835 | 37,297 | 40,372 | 43,643 | 49,095 | 52,023 | 54,891 | 59,965 | 66,496 |
| Total Assets | 24,994 | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 | 84,402 |
Below is a detailed analysis of the balance sheet data for City Union Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 74.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 74.00 Cr..
- For Reserves, as of Sep 2025, the value is 9,852.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,393.00 Cr. (Mar 2025) to 9,852.00 Cr., marking an increase of 459.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2,808.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,461.00 Cr. (Mar 2025) to 2,808.00 Cr., marking an increase of 347.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 84,402.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 77,623.00 Cr. (Mar 2025) to 84,402.00 Cr., marking an increase of 6,779.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 388.00 Cr.. The value appears strong and on an upward trend. It has increased from 322.00 Cr. (Mar 2025) to 388.00 Cr., marking an increase of 66.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 17,519.00 Cr.. The value appears strong and on an upward trend. It has increased from 17,336.00 Cr. (Mar 2025) to 17,519.00 Cr., marking an increase of 183.00 Cr..
- For Other Assets, as of Sep 2025, the value is 66,496.00 Cr.. The value appears strong and on an upward trend. It has increased from 59,965.00 Cr. (Mar 2025) to 66,496.00 Cr., marking an increase of 6,531.00 Cr..
- For Total Assets, as of Sep 2025, the value is 84,402.00 Cr.. The value appears strong and on an upward trend. It has increased from 77,623.00 Cr. (Mar 2025) to 84,402.00 Cr., marking an increase of 6,779.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 566.00 | 631.00 | 709.00 | 907.00 | -31.00 | -37.00 | -39.00 | -43.00 | -46.00 | -51.00 | -54.00 | -62.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 16% | 15% | 15% | 15% | 15% | 9% | 11% | 12% | 13% | 13% | 13% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Small Cap Fund | 41,665,000 | 3.11 | 1129.45 | N/A | N/A | N/A |
| HDFC Mid Cap Fund | 26,052,000 | 0.77 | 706.22 | N/A | N/A | N/A |
| HDFC Small Cap Fund | 20,005,638 | 1.43 | 542.31 | N/A | N/A | N/A |
| Axis Small Cap Fund | 19,699,201 | 1.99 | 534.01 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 11,901,992 | 2.47 | 322.64 | 11,567,080 | 2025-12-15 04:44:20 | 2.9% |
| Nippon India Small Cap Fund | 10,250,670 | 0.41 | 277.88 | N/A | N/A | N/A |
| Edelweiss Small Cap Fund | 6,944,731 | 3.53 | 188.26 | N/A | N/A | N/A |
| HSBC Small Cap Fund | 6,806,908 | 1.14 | 184.52 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 6,245,671 | 1.25 | 169.31 | 7,833,644 | 2025-12-15 04:44:20 | -20.27% |
| Franklin India Mid Cap Fund | 6,078,909 | 1.28 | 164.79 | 6,650,732 | 2025-12-15 04:44:20 | -8.6% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 15.17 | 13.72 | 12.67 | 10.29 | 8.03 |
| Diluted EPS (Rs.) | 15.07 | 13.62 | 12.57 | 10.18 | 7.97 |
| Cash EPS (Rs.) | 16.27 | 14.73 | 13.65 | 11.43 | 9.21 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 127.76 | 113.43 | 100.72 | 89.05 | 79.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 127.76 | 113.43 | 100.72 | 89.05 | 79.08 |
| Dividend / Share (Rs.) | 2.00 | 1.50 | 1.00 | 1.00 | 0.50 |
| Operating Revenue / Share (Rs.) | 78.73 | 71.16 | 63.67 | 55.50 | 55.96 |
| Net Profit / Share (Rs.) | 15.16 | 13.71 | 12.66 | 10.28 | 8.02 |
| Interest Income / Employee (Rs.) | 7671324.92 | 7332450.19 | 7832425.82 | 7648180.55 | 7076304.81 |
| Net Profit / Employee (Rs.) | 1477483.63 | 1413092.52 | 1557533.64 | 1416368.73 | 1014586.34 |
| Business / Employee (Rs.) | 152014738.33 | 140765665.55 | 158583159.49 | 164054663.69 | 138105754.75 |
| Interest Income / Branch (Rs.) | 66674772.57 | 65882065.00 | 62690652.93 | 56461877.58 | 58898645.30 |
| Net Profit / Branches (Rs.) | 12841443.43 | 12696636.25 | 12466482.71 | 10456191.20 | 8444769.23 |
| Business / Branches (Rs.) | 1321225240.00 | 1264779505.00 | 1269297921.54 | 1211116066.02 | 1149504166.67 |
| Net Profit Margin (%) | 19.25 | 19.27 | 19.88 | 18.51 | 14.33 |
| Operating Profit Margin (%) | 34.96 | 35.45 | 31.53 | 28.41 | 23.39 |
| Return On Assets (%) | 1.44 | 1.43 | 1.40 | 1.23 | 1.11 |
| Return On Equity / Networth (%) | 11.86 | 12.08 | 12.57 | 11.54 | 10.14 |
| Net Interest Margin (X) | 2.98 | 2.99 | 3.24 | 3.11 | 3.43 |
| Cost To Income (%) | 47.76 | 47.06 | 38.85 | 40.37 | 41.45 |
| Interest Income / Total Assets (%) | 7.51 | 7.44 | 7.07 | 6.67 | 7.75 |
| Non-Interest Income / Total Assets (%) | 1.15 | 1.04 | 1.21 | 1.23 | 1.32 |
| Operating Profit / Total Assets (%) | 0.29 | 0.38 | 0.19 | 0.00 | -0.20 |
| Operating Expenses / Total Assets (%) | 1.97 | 1.90 | 1.73 | 1.75 | 1.97 |
| Interest Expenses / Total Assets (%) | 4.53 | 4.44 | 3.83 | 3.55 | 4.32 |
| Enterprise Value (Rs.Cr.) | 73465.39 | 65768.17 | 63101.73 | 59580.74 | 54608.58 |
| EV Per Net Sales (X) | 12.59 | 12.48 | 13.39 | 14.51 | 13.21 |
| Price To Book Value (X) | 1.23 | 1.19 | 1.25 | 1.45 | 1.97 |
| Price To Sales (X) | 2.00 | 1.90 | 1.98 | 2.33 | 2.79 |
| Retention Ratios (%) | 90.11 | 92.71 | 92.11 | 95.14 | 93.78 |
| Earnings Yield (X) | 0.09 | 0.10 | 0.10 | 0.07 | 0.05 |
After reviewing the key financial ratios for City Union Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 15.17. This value is within the healthy range. It has increased from 13.72 (Mar 24) to 15.17, marking an increase of 1.45.
- For Diluted EPS (Rs.), as of Mar 25, the value is 15.07. This value is within the healthy range. It has increased from 13.62 (Mar 24) to 15.07, marking an increase of 1.45.
- For Cash EPS (Rs.), as of Mar 25, the value is 16.27. This value is within the healthy range. It has increased from 14.73 (Mar 24) to 16.27, marking an increase of 1.54.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 127.76. It has increased from 113.43 (Mar 24) to 127.76, marking an increase of 14.33.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 127.76. It has increased from 113.43 (Mar 24) to 127.76, marking an increase of 14.33.
- For Dividend / Share (Rs.), as of Mar 25, the value is 2.00. This value is within the healthy range. It has increased from 1.50 (Mar 24) to 2.00, marking an increase of 0.50.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 15.16. This value is within the healthy range. It has increased from 13.71 (Mar 24) to 15.16, marking an increase of 1.45.
- For Net Profit Margin (%), as of Mar 25, the value is 19.25. This value exceeds the healthy maximum of 10. It has decreased from 19.27 (Mar 24) to 19.25, marking a decrease of 0.02.
- For Return On Assets (%), as of Mar 25, the value is 1.44. This value is below the healthy minimum of 5. It has increased from 1.43 (Mar 24) to 1.44, marking an increase of 0.01.
- For Retention Ratios (%), as of Mar 25, the value is 90.11. This value exceeds the healthy maximum of 70. It has decreased from 92.71 (Mar 24) to 90.11, marking a decrease of 2.60.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in City Union Bank Ltd:
- Net Profit Margin: 19.25%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 17 (Industry average Stock P/E: 18.45)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 19.25%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 149, T.S.R. (Big) Street, Thanjavur Dist., Kumbakonam Tamil Nadu 612001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. G Mahalingam | Non Exe.Part Time Chairman |
| Dr. N Kamakodi | Managing Director & CEO |
| Mr. R Vijay Anandh | Executive Director |
| Mr. V Ramesh | Executive Director |
| Dr. T S Sridhar | Director |
| Mr. K Vaidyanathan | Director |
| Mr. T K Ramkumar | Director |
| Mrs. Lalitha Rameswaran | Director |
| Prof. V Kamakoti | Director |
| Mr. N Subramaniam | Director |
| Mr. V N Shiva Shankar | Director |
FAQ
What is the intrinsic value of City Union Bank Ltd?
City Union Bank Ltd's intrinsic value (as of 13 January 2026) is ₹231.28 which is 16.51% lower the current market price of ₹277.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹20,548 Cr. market cap, FY2025-2026 high/low of ₹302/143, reserves of ₹9,852 Cr, and liabilities of ₹84,402 Cr.
What is the Market Cap of City Union Bank Ltd?
The Market Cap of City Union Bank Ltd is 20,548 Cr..
What is the current Stock Price of City Union Bank Ltd as on 13 January 2026?
The current stock price of City Union Bank Ltd as on 13 January 2026 is ₹277.
What is the High / Low of City Union Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of City Union Bank Ltd stocks is ₹302/143.
What is the Stock P/E of City Union Bank Ltd?
The Stock P/E of City Union Bank Ltd is 17.0.
What is the Book Value of City Union Bank Ltd?
The Book Value of City Union Bank Ltd is 134.
What is the Dividend Yield of City Union Bank Ltd?
The Dividend Yield of City Union Bank Ltd is 0.72 %.
What is the ROCE of City Union Bank Ltd?
The ROCE of City Union Bank Ltd is 6.86 %.
What is the ROE of City Union Bank Ltd?
The ROE of City Union Bank Ltd is 12.6 %.
What is the Face Value of City Union Bank Ltd?
The Face Value of City Union Bank Ltd is 1.00.