Market Data
Market Cap₹21,401 Cr.
52W High₹248.75
Current Price₹216
52W Low₹154.35
Down from 52W High13.2 %
Face Value₹1
Performance
ROCE37.87 %
ROE13.28 %
EPS (TTM)₹3.86
EPS Prev Qtr₹4.84
EPS Last Year₹4.43
EBITDA Qtr₹580.57 Cr.
Book Value₹106
Financial Health
Debt/Equity0.5
Debt/Profit3.8
Total Assets₹97,024.4 Cr.
Dividend Yield0.93 %
Earning Power2.21 %
Valuation
Stock P/E15.25
Industry P/E10.31
Price to Book2.03
Price to Sales2.95
Graham Number₹184.12
Key Metrics
Branches
1,000
Capital Adequacy % (Basel III)
21.73%
__derived
1
Employees
8,894
Face Value
₹1
Gross NPA %
1.73%
Net NPA %
0.61%
NIM %
3.78%
Provision Coverage %
85%
ROA % (annualised)
1.57%
Total Advances
₹67,645 Cr
Total Deposits
₹79,342 Cr
About City Union Bank Ltd
Financial Services · Banks
City Union Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹1. Market cap ₹21,401 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Capital Adequacy Ratio of 21.73% exceeds regulatory requirements, indicating strong capital position.
- Net NPA ratio at 0.61% reflects robust asset quality with low risk of defaults.
- NIM of 3.78% shows healthy interest margin management capability.
- Provision Coverage Ratio of 85% ensures sufficient reserves against potential loan losses.
- ROCE of 37.87% highlights efficient use of capital to generate profits.
Weaknesses
- Dividend yield at 0.89% may attract income-focused investors less effectively.
- ROE of 13.28% indicates moderate return generation relative to equity invested.
- P/E ratio of 12.81 could suggest the stock is fairly valued or potentially overvalued.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
📊 Jun 2026: Revenue grew 23.6% YoY, Profit grew 25.1% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 1,605.33 | 1,653.13 | 1,755.68 | 1,855.62 | 1,984.99 |
| ↳ QoQ Growth | - | +3.0% | +6.2% | +5.7% | +7.0% |
| Expenses | 70 | 57 | 96 | 120 | 78 |
| Operating Profit | 450.92 | 470.59 | 513.16 | 579.56 | 580.57 |
| OPM % | 28.09% | 28.47% | 29.23% | 31.23% | 29.25% |
| Other Income | 243.88 | 259.13 | 245.35 | 290.48 | 243.59 |
| Interest | 980.04 | 986.59 | 1,003.51 | 1,069.78 | 1,164.85 |
| Depreciation | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| EBITDA Margin % | - | - | - | - | - |
| Profit Before Tax | 380.92 | 413.59 | 417.16 | 459.56 | 502.57 |
| Tax % | 19.69% | 20.55% | 20.38% | 21.76% | 23.88% |
| Net Profit | 305.92 | 328.59 | 332.16 | 359.56 | 382.57 |
| ↳ QoQ Growth | - | +7.4% | +1.1% | +8.2% | +6.4% |
| EPS | 4.13 | 4.43 | 4.48 | 4.84 | 3.86 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 6869.76 | 7249.42 |
| Expenses | 343 | 351 |
| Operating Profit | 2014.23 | 2143.88 |
| OPM % | 29.32% | 29.57% |
| Other Income | 1038.84 | 1038.55 |
| Interest | 4039.92 | 4224.73 |
| Depreciation | - | - |
| Profit Before Tax | 1671.23 | 1792.88 |
| Tax % | 20.64% | 21.75% |
| Net Profit | 1326.23 | 1402.88 |
| EPS | 17.88 | 17.61 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
37.07%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
13.28%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 74.1 | 74.3047 |
| Reserves | 9392.52 | 10490.559 |
| Borrowings | 2169.41 | 5326.798 |
| Other Liabilities | 65987.18 | 81132.73 |
| Total Liabilities | 77623.21 | 97024.4 |
| Fixed Assets | 322.34 | 468.532 |
| CWIP | - | 0 |
| Investments | 17336.14 | 18986.92 |
| Other Assets | 59964.73 | 77568.94 |
| Total Assets | 77623.21 | 97024.4 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | 802.4718 |
| Cash from Investing Activity | -207.8533 |
| Cash from Financing Activity | 3041.908 |
| Net Cash Flow | 3636.5266 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 4872.02 |
| ROCE % | 2.2% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 0% | 0% | 0% | 0% |
| FIIs % | 25.96% | 23.49% | 23.37% | 18.65% |
| DIIs % | 36.75% | 40.24% | 40.74% | 44.85% |
| Public % | 28.65% | 27.61% | 27.57% | 27.86% |
| No. of Shareholders | 2,09,805 | 2,15,430 | 2,07,495 | 2,15,181 |
Major Shareholders (>1%)
- Hdfc Mutual FundPublic Shareholding6.50%
- Sbi Mutual FundPublic Shareholding5.44%
- Axis Mutual FundPublic Shareholding3.35%
- Hsbc Mutual FundPublic Shareholding3.33%
As of 2026-06-30View all shareholders →