Share Price and Basic Stock Data
Last Updated: December 5, 2025, 6:04 pm
| PEG Ratio | 1.87 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
City Union Bank Ltd, operating in the private sector banking industry, reported a market capitalization of ₹20,007 Cr and a share price of ₹270. The bank has shown a consistent upward trend in revenue, which stood at ₹4,714 Cr for the financial year ending March 2023, increasing to ₹5,271 Cr for March 2024, and further rising to ₹5,834 Cr for March 2025. The trailing twelve months revenue reached ₹6,051 Cr, indicating robust growth. Quarterly revenue figures reflect this trend, with revenues increasing from ₹1,099 Cr in June 2022 to ₹1,266 Cr in June 2023, culminating in ₹1,374 Cr by March 2024. This positive momentum is supported by a steady rise in interest income, which reached ₹3,518 Cr in March 2025, up from ₹2,552 Cr in March 2023. The bank’s ability to maintain revenue growth amidst a competitive landscape highlights its operational efficiency and market positioning.
Profitability and Efficiency Metrics
City Union Bank’s profitability metrics reveal a strong performance, with a net profit of ₹1,165 Cr reported for the trailing twelve months. The net profit margin stood at 19.25% for March 2025, slightly declining from 19.27% in March 2024, yet indicative of healthy profitability relative to sector benchmarks. The bank’s return on equity (ROE) was recorded at 12.6%, while the return on capital employed (ROCE) was 6.86%. These figures suggest effective capital utilization and profitability generation from equity. The financing margin percentage showed variability, peaking at 15% in September 2022 but stabilizing around 10% in the recent quarters. Additionally, the cost-to-income ratio stood at 47.76% for March 2025, reflecting operational efficiency, though this is higher than typical sector ranges. Overall, City Union Bank demonstrates solid profitability, though maintaining cost efficiency remains a priority.
Balance Sheet Strength and Financial Ratios
The balance sheet of City Union Bank is characterized by a strong reserve base, with total reserves amounting to ₹9,852 Cr as of March 2025. The total assets reached ₹77,623 Cr, reflecting a steady growth trajectory from ₹66,595 Cr in March 2023. The bank’s gross non-performing asset (NPA) ratio improved to 3.09% by March 2025, down from 4.91% in June 2023, indicating effective asset quality management. Furthermore, the net NPA ratio also decreased to 1.25%, showcasing the bank’s efforts in managing credit risk. Financial ratios such as the price-to-book value stood at 1.23, while the price-to-sales ratio was 2.00, suggesting the stock is reasonably valued relative to its book and sales metrics. The equity capital remained stable at ₹74 Cr, supporting the bank’s financial stability. Overall, City Union Bank’s balance sheet reflects a solid foundation but must address credit quality to bolster investor confidence.
Shareholding Pattern and Investor Confidence
The shareholding pattern of City Union Bank indicates a diversified ownership structure, with foreign institutional investors (FIIs) holding 25.96% and domestic institutional investors (DIIs) holding 36.75% of the equity. The public’s shareholding accounted for 37.27%, demonstrating substantial retail participation. Over the past year, FII participation increased from 23.75% in December 2022 to 25.96% in September 2025, signaling growing confidence among foreign investors. Conversely, DII holdings exhibited a slight increase from 33.12% in June 2023 to 36.75% in September 2025, reflecting institutional trust in the bank’s growth prospects. The total number of shareholders rose to 2,09,805 by September 2025, indicating increased retail interest. This broad base of shareholders underscores a positive outlook on the bank’s performance and strategic direction, contributing to a stable investor sentiment.
Outlook, Risks, and Final Insight
City Union Bank’s outlook remains cautiously optimistic, driven by its robust revenue growth and improving asset quality. However, potential risks include the volatility in interest rates, which could impact profitability margins, and the competitive banking landscape that may pressure margins further. Additionally, the bank’s ability to manage its NPA levels effectively will be crucial in maintaining investor confidence and financial stability. While the current financial metrics indicate a solid performance, sustained focus on operational efficiency, cost management, and credit risk mitigation will be essential for future growth. If City Union Bank can navigate these challenges successfully, it may enhance its market position and deliver value to shareholders. Conversely, failure to address these risks could hinder its growth trajectory and impact investor sentiment negatively.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of City Union Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,526 Cr. | 304 | 367/180 | 31.5 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,361 Cr. | 26.4 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,240 Cr. | 274 | 331/250 | 9.17 | 307 | 1.46 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 70,880 Cr. | 22.6 | 24.3/16.0 | 25.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,348 Cr. | 53.4 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,685.65 Cr | 421.36 | 18.52 | 241.49 | 0.59% | 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: October 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 | 6,051 |
| 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 | 3,655 |
| Expenses | 588 | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 1,883 |
| Financing Profit | 171 | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 600 | 513 |
| Financing Margin % | 7% | 6% | 8% | 8% | 9% | 13% | -0% | 2% | 8% | 9% | 11% | 10% | 8% |
| Other Income | 280 | 415 | 410 | 484 | 532 | 514 | 680 | 689 | 759 | 810 | 742 | 898 | 950 |
| 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 | 1,463 |
| 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 | 1,165 |
| 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 | 15.73 |
| 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 |
|---|---|---|---|---|---|---|
| Canara Robeco Small Cap Fund | 9,086,154 | 1.3 | 156.53 | 9,086,154 | 2025-04-22 05:38:51 | 0% |
| SBI Flexi Cap Fund | 8,274,501 | 0.62 | 142.54 | 8,274,501 | 2025-04-22 17:25:38 | 0% |
| UTI Mid Cap Fund | 6,679,156 | 0.93 | 115.06 | 6,679,156 | 2025-04-22 05:38:51 | 0% |
| ICICI Prudential Multicap Fund | 5,358,081 | 0.66 | 92.3 | 5,358,081 | 2025-04-22 17:25:38 | 0% |
| ICICI Prudential Value Discovery Fund | 4,278,849 | 0.15 | 73.71 | 4,278,849 | 2025-04-22 17:25:38 | 0% |
| Tata ELSS Tax Saver Fund | 2,500,000 | 0.91 | 43.07 | 2,500,000 | 2025-04-22 05:38:51 | 0% |
| Kotak India EQ Contra Fund - Regular Plan | 2,320,000 | 1.06 | 39.97 | 2,320,000 | 2025-04-22 05:38:51 | 0% |
| SBI Multi Asset Allocation Fund | 1,960,755 | 0.56 | 31.54 | 1,960,755 | 2025-04-22 05:38:51 | 0% |
| Bandhan Arbitrage Fund | 1,510,000 | 0.37 | 26.01 | 1,510,000 | 2025-04-22 05:38:51 | 0% |
| HDFC Multi Asset Fund - Regular Plan | 1,300,000 | 0.67 | 22.4 | 1,300,000 | 2025-04-22 05:38:51 | 0% |
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
Unable to fetch valid data for stock valuation.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: 16.6 (Industry average Stock P/E: 18.52)
- 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%
Fundamental Analysis of City Union Bank Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 149, T.S.R. (Big) Street, Kumbakonam Tamil Nadu 612001 | shares@cityunionbank.in http://www.cityunionbank.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M Narayanan | Non Exe.Part Time Chairman |
| Dr. N Kamakodi | Managing Director & CEO |
| Mr. T K Ramkumar | Director |
| Mrs. Lalitha Rameswaran | Director |
| Mr. G Mahalingam | Director |
| Prof. V Kamakoti | Director |
| Mr. N Subramaniam | Director |
| Mr. V N Shiva Shankar | Director |
| Dr. T S Sridhar | Director |
| Mr. K Vaidyanathan | Director |
City Union Bank Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹145.00 |
| Previous Day | ₹153.10 |
FAQ
What is the intrinsic value of City Union Bank Ltd?
City Union Bank Ltd's intrinsic value (as of 05 December 2025) is 225.88 which is 16.65% lower the current market price of 271.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 20,118 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 20,118 Cr..
What is the current Stock Price of City Union Bank Ltd as on 05 December 2025?
The current stock price of City Union Bank Ltd as on 05 December 2025 is 271.
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 16.6.
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 0.74 %.
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.