Share Price and Basic Stock Data
Last Updated: December 20, 2025, 3:39 pm
| PEG Ratio | 1.77 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
City Union Bank Ltd has been navigating the competitive landscape of the Indian banking sector with a notable trajectory in revenue growth. For the fiscal year ending March 2025, the bank reported revenues of ₹5,834 Cr, reflecting a healthy increase from ₹5,271 Cr in the previous year. This upward momentum in revenue generation is crucial, particularly given the broader economic uncertainties. The quarterly revenue figures indicate consistent improvement, with the latest reported quarter (June 2025) showing revenues of ₹1,605 Cr, up from ₹1,389 Cr in June 2024. Such growth illustrates the bank’s ability to expand its operations and capture market share, despite the challenges posed by fluctuating interest rates and regulatory pressures. The bank’s revenue streams comprise significant interest income, which stood at ₹3,518 Cr for FY 2025, further validating its operational strength in lending activities.
Profitability and Efficiency Metrics
Profitability metrics for City Union Bank depict a promising scenario. The net profit for FY 2025 was recorded at ₹1,124 Cr, up from ₹1,016 Cr in FY 2024, showcasing an upward trajectory in earnings. The bank’s earnings per share (EPS) also reflected this growth, rising to ₹15.16 from ₹13.71 in the previous fiscal. A key indicator of the bank’s efficiency is its return on equity (ROE), which has remained relatively stable, standing at 13% for FY 2025. This suggests that the bank is generating a satisfactory return on shareholders’ equity, although it is worth noting that this figure is somewhat lower than the industry average. The cost-to-income ratio, reported at 47.76%, indicates that the bank is managing its operating expenses reasonably well, although there is room for improvement. As the bank continues to enhance its operational efficiency, attention to controlling costs will be essential for maintaining profitability.
Balance Sheet Strength and Financial Ratios
City Union Bank’s balance sheet appears robust, with total assets rising to ₹77,623 Cr as of March 2025, up from ₹70,826 Cr the previous year. The bank has maintained a healthy level of reserves, which stood at ₹9,393 Cr, supporting its capacity to absorb potential losses. The non-performing assets (NPAs) also indicate a positive trend, with gross NPAs declining to 3.09% by March 2025, down from 4.91% in June 2023. This reduction in NPAs is a clear sign of improved asset quality and effective risk management practices. However, the bank’s return on capital employed (ROCE) at 6.86% suggests that while the bank is growing, the efficiency of capital utilization could be enhanced to maximize returns. Overall, the financial ratios indicate that the bank is in a stable position but may need to focus on elevating its returns further to attract more investor interest.
Shareholding Pattern and Investor Confidence
The shareholding structure of City Union Bank reveals a diversified ownership base, which can be a positive indicator of investor confidence. As of September 2025, foreign institutional investors (FIIs) held 25.96% of the shares, while domestic institutional investors (DIIs) accounted for 36.75%. The public holds a substantial portion at 37.27%, indicating broad retail participation. This diverse ownership can contribute to stability in the stock price, as it mitigates the risks associated with concentrated holdings. However, the gradual decrease in FII holdings from a peak of 28.04% in March 2025 to the current 25.96% may raise questions about external investor sentiment. The increasing number of shareholders, now at 2,09,805, suggests growing interest in the bank, potentially driven by its recent financial performance. This should be closely monitored, as shifts in institutional ownership can significantly impact stock dynamics.
Outlook, Risks, and Final Insight
Looking ahead, City Union Bank’s prospects seem promising, bolstered by its strong revenue growth and improving asset quality. However, risks remain. The banking sector is facing headwinds from rising interest rates, which could pressure net interest margins and affect borrowing costs for consumers. Moreover, while the reduction in NPAs is encouraging, any economic downturn could reverse these gains. The bank’s ability to maintain profitability amidst these challenges will be crucial. Investors should consider the bank’s operational efficiency, as enhancing this metric will be vital for sustaining growth. Furthermore, the evolving regulatory landscape may pose additional challenges. As such, while City Union Bank shows solid fundamentals, careful consideration of these risks will be essential for prospective investors. Overall, a balanced approach will be key as the bank positions itself for future challenges and opportunities in the dynamic Indian banking environment.
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 | 2,154 Cr. | 259 | 345/180 | 26.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,326 Cr. | 25.7 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,197 Cr. | 264 | 331/250 | 8.86 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,089 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,479 Cr. | 54.1 | 56.3/30.8 | 25.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,754.09 Cr | 413.96 | 18.31 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,099 | 1,181 | 1,206 | 1,228 | 1,266 | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 |
| Interest | 575 | 613 | 650 | 714 | 744 | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 |
| Expenses | 447 | 390 | 507 | 451 | 452 | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 |
| Financing Profit | 78 | 178 | 49 | 63 | 71 | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 |
| Financing Margin % | 7% | 15% | 4% | 5% | 6% | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% |
| Other Income | 218 | 173 | 224 | 195 | 191 | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 295 | 351 | 273 | 258 | 262 | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 |
| Tax % | 24% | 21% | 20% | 16% | 13% | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% |
| Net Profit | 225 | 276 | 218 | 218 | 227 | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 |
| EPS in Rs | 3.04 | 3.74 | 2.94 | 2.94 | 3.07 | 3.79 | 3.42 | 3.44 | 3.57 | 3.85 | 3.86 | 3.89 | 4.13 |
| Gross NPA % | 4.65% | 4.36% | 4.62% | 4.37% | 4.91% | 4.66% | 4.47% | 3.99% | 3.88% | 3.54% | 3.36% | 3.09% | 2.99% |
| Net NPA % | 2.89% | 2.69% | 2.67% | 2.36% | 2.51% | 2.34% | 2.19% | 1.97% | 1.87% | 1.62% | 1.42% | 1.25% | 1.20% |
Last Updated: August 1, 2025, 10:40 pm
Below is a detailed analysis of the quarterly data for City Union Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 980.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 932.00 Cr. (Mar 2025) to 980.00 Cr., marking an increase of 48.00 Cr..
- For Expenses, as of Jun 2025, the value is 488.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 489.00 Cr. (Mar 2025) to 488.00 Cr., marking a decrease of 1.00 Cr..
- For Other Income, as of Jun 2025, the value is 244.00 Cr.. The value appears to be declining and may need further review. It has decreased from 251.00 Cr. (Mar 2025) to 244.00 Cr., marking a decrease of 7.00 Cr..
- For Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 381.00 Cr.. The value appears strong and on an upward trend. It has increased from 363.00 Cr. (Mar 2025) to 381.00 Cr., marking an increase of 18.00 Cr..
- For Tax %, as of Jun 2025, the value is 20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Mar 2025) to 20.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 306.00 Cr.. The value appears strong and on an upward trend. It has increased from 288.00 Cr. (Mar 2025) to 306.00 Cr., marking an increase of 18.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.13. The value appears strong and on an upward trend. It has increased from 3.89 (Mar 2025) to 4.13, marking an increase of 0.24.
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: 17.1 (Industry average Stock P/E: 18.31)
- 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 | shares@cityunionbank.in http://www.cityunionbank.com |
| 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 21 December 2025) is 232.64 which is 16.62% lower the current market price of 279.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 20,693 Cr. market cap, FY2025-2026 high/low of 284/143, 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 20,693 Cr..
What is the current Stock Price of City Union Bank Ltd as on 21 December 2025?
The current stock price of City Union Bank Ltd as on 21 December 2025 is 279.
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 284/143.
What is the Stock P/E of City Union Bank Ltd?
The Stock P/E of City Union Bank Ltd is 17.1.
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.