Share Price and Basic Stock Data
Last Updated: March 3, 2026, 12:27 pm
| PEG Ratio | 1.56 |
|---|
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 current market capitalization of ₹21,463 Cr and a share price of ₹289. The bank’s revenue trends demonstrate a consistent upward trajectory, with revenue increasing from ₹1,206 Cr in December 2022 to ₹1,326 Cr in December 2023. The quarterly revenue figures for the upcoming quarters also indicate robust growth potential, rising steadily to ₹1,479 Cr by December 2024 and reaching ₹1,756 Cr by December 2025. This growth trajectory reflects the bank’s ability to capitalize on market opportunities and enhance its service offerings. The interest income, a significant component of the bank’s revenue, showed a similar upward trend, climbing from ₹650 Cr in December 2022 to ₹810 Cr in December 2023, with projections of reaching ₹1,004 Cr by December 2025. Such revenue growth is indicative of City Union Bank’s strong market position and operational efficiency in a competitive banking landscape.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| City Union Bank Ltd | 20,608 Cr. | 277 | 324/143 | 16.4 | 134 | 0.72 % | 6.86 % | 12.6 % | 1.00 |
| REC Ltd | 19,349 Cr. | 313 | 340/151 | 29.2 | 257 | 0.32 % | 6.04 % | 4.57 % | 10.0 |
| Jammu & Kashmir Bank Ltd | 13,206 Cr. | 120 | 124/82.0 | 6.16 | 141 | 1.79 % | 6.15 % | 15.8 % | 1.00 |
| Bandhan Bank Ltd | 28,621 Cr. | 178 | 192/134 | 28.4 | 153 | 0.84 % | 7.82 % | 11.9 % | 10.0 |
| Ujjivan Small Finance Bank Ltd | 11,117 Cr. | 57.3 | 68.0/31.0 | 22.5 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 157,022.22 Cr | 347.63 | 17.12 | 214.17 | 0.57% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,206 | 1,228 | 1,266 | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 | 1,653 | 1,756 |
| Interest | 650 | 714 | 744 | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 | 987 | 1,004 |
| Expenses | 507 | 451 | 452 | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 | 512 | 580 |
| Financing Profit | 49 | 63 | 71 | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 | 154 | 172 |
| Financing Margin % | 4% | 5% | 6% | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% | 9% | 10% |
| Other Income | 224 | 195 | 191 | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 | 259 | 245 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 273 | 258 | 262 | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 | 414 | 417 |
| Tax % | 20% | 16% | 13% | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% | 21% | 20% |
| Net Profit | 218 | 218 | 227 | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 | 329 | 332 |
| EPS in Rs | 2.94 | 2.94 | 3.07 | 3.79 | 3.42 | 3.44 | 3.57 | 3.85 | 3.86 | 3.89 | 4.13 | 4.43 | 4.48 |
| Gross NPA % | 4.62% | 4.37% | 4.91% | 4.66% | 4.47% | 3.99% | 3.88% | 3.54% | 3.36% | 3.09% | 2.99% | 2.42% | 2.17% |
| Net NPA % | 2.67% | 2.36% | 2.51% | 2.34% | 2.19% | 1.97% | 1.87% | 1.62% | 1.42% | 1.25% | 1.20% | 0.90% | 0.78% |
Last Updated: February 6, 2026, 8:13 am
Below is a detailed analysis of the quarterly data for City Union Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 1,004.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 987.00 Cr. (Sep 2025) to 1,004.00 Cr., marking an increase of 17.00 Cr..
- For Expenses, as of Dec 2025, the value is 580.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 512.00 Cr. (Sep 2025) to 580.00 Cr., marking an increase of 68.00 Cr..
- For Other Income, as of Dec 2025, the value is 245.00 Cr.. The value appears to be declining and may need further review. It has decreased from 259.00 Cr. (Sep 2025) to 245.00 Cr., marking a decrease of 14.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 417.00 Cr.. The value appears strong and on an upward trend. It has increased from 414.00 Cr. (Sep 2025) to 417.00 Cr., marking an increase of 3.00 Cr..
- For Tax %, as of Dec 2025, the value is 20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Sep 2025) to 20.00%, marking a decrease of 1.00%.
- For Net Profit, as of Dec 2025, the value is 332.00 Cr.. The value appears strong and on an upward trend. It has increased from 329.00 Cr. (Sep 2025) to 332.00 Cr., marking an increase of 3.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 4.48. The value appears strong and on an upward trend. It has increased from 4.43 (Sep 2025) to 4.48, marking an increase of 0.05.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: February 23, 2026, 6:46 pm
| 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 | 6,547 |
| 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 | 3,903 |
| Expenses | 588 | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 2,069 |
| Financing Profit | 171 | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 600 | 575 |
| 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 | 1,000 |
| 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 | 1,575 |
| 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 | 1,255 |
| 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 | 16.93 |
| 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
| 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
| 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 | 41,418,063 | 3.63 | 1249.79 | 41,579,717 | 2026-02-23 03:43:27 | -0.39% |
| HDFC Mid Cap Fund | 25,902,000 | 0.85 | 781.59 | 26,052,000 | 2026-01-26 03:17:01 | -0.58% |
| HDFC Small Cap Fund | 20,005,638 | 1.63 | 603.67 | N/A | N/A | N/A |
| Axis Small Cap Fund | 19,699,201 | 2.33 | 594.42 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 11,655,992 | 2.78 | 351.72 | 11,901,992 | 2026-02-23 03:43:28 | -2.07% |
| Nippon India Small Cap Fund | 10,250,670 | 0.47 | 309.31 | N/A | N/A | N/A |
| HSBC Midcap Fund | 9,226,374 | 2.29 | 278.41 | 8,704,429 | 2026-02-23 03:43:28 | 6% |
| HSBC Small Cap Fund | 8,585,072 | 1.72 | 259.05 | 6,806,908 | 2026-01-26 03:05:13 | 26.12% |
| Edelweiss Small Cap Fund | 6,944,731 | 3.9 | 209.56 | N/A | N/A | N/A |
| Edelweiss Mid Cap Fund | 5,429,290 | 1.19 | 163.83 | N/A | N/A | N/A |
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: 16.4 (Industry average Stock P/E: 17.12)
- 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 04 March 2026) is ₹246.52 which is 11.00% lower the current market price of ₹277.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹20,608 Cr. market cap, FY2025-2026 high/low of ₹324/143, 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 20,608 Cr..
What is the current Stock Price of City Union Bank Ltd as on 04 March 2026?
The current stock price of City Union Bank Ltd as on 04 March 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 ₹324/143.
What is the Stock P/E of City Union Bank Ltd?
The Stock P/E of City Union Bank Ltd is 16.4.
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.
