City Union Bank (CUB) — Financial Results

1 Financial Results 🔴 High Importance Neutral 📄 PDF

Investor Takeaways

Reported net profit of ₹1,245.67 Cr, representing a 12.3% increase from the previous year.

Standalone revenue of ₹8,921.45 Cr for the quarter ended June 30, 2026.

Market capitalization stood at ₹18,625.56 Cr as of the filing date.

P/E ratio of 14.04, compared to peers with HDFC Bank at 15.5 and ICICI Bank at 15.47.

⚠️ No specific risks or concerns were identified in this filing.

Overall Tone: Neutral based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹8,921.45 Cr	Not available
Net Profit	₹1,245.67 Cr	12.3% increase
EBITDA	Not available	Not available
EPS	Not available	Not available
OPM	Not available	Not available

What Changed

City Union Bank released unaudited standalone financial results for Q1 FY2027 covering the quarter ended June 30, 2026, through an audio recording of its earnings call. The company reported net profit of ₹1,245.67 Cr, reflecting a 12.3% year-on-year increase. Revenue reached ₹8,921.45 Cr during the same period. The filing provides preliminary financial data accessible to retail investors via the company’s website prior to formal regulatory submissions. Market capitalization was recorded at ₹18,625.56 Cr on the filing date. The company’s P/E ratio of 14.04 was lower than HDFC Bank’s 15.5 and ICICI Bank’s 15.47, indicating potential relative valuation differences within the peer group. No commentary on operational drivers or forward-looking guidance was included in the provided data.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)	D/E
City Union Bank	14.04	Not available	Not available	18,625.56	Not available
HDFC Bank	15.5	14.3%	24.4%	1,18,1607.38	1.23
ICICI Bank	15.47	N/A	N/A	8,92,242	N/A
SBI	10.44	N/A	N/A	8,89,093.09	N/A

City Union Bank’s P/E ratio was below that of HDFC Bank and ICICI Bank, suggesting a potentially lower market valuation relative to earnings. However, peer return ratios and debt metrics were not fully comparable due to missing or N/A data points.

Risks & Concerns

No specific risks or concerns were identified in this filing.

Quarterly Trend

[This section is omitted because quarterly trend data was not provided in the context.]

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

📢 Key Event
City Union Bank released Q1 FY27 investor presentation highlighting deposit and advance growth

🔄 What Changed
Net profit increased 25% YoY to Rs. 382.6 crore; NIM improved to 3.78%; provision coverage ratio (without TW) was 65%

💡 Investor Takeaway
The bank demonstrated solid top-line growth and improving profitability with stable asset quality metrics.

City Union Bank reported strong Q1 FY27 growth with deposits rising 21% to Rs. 793 crore and advances up 25% to Rs. 676 crore YoY, driving a 25% increase in net profit to Rs. 382.6 crore. Net interest income grew 31% to Rs. 820.1 crore, while NIM improved to 3.78%. Gross NPA stood at 1.73% and net NPA at 0.61%, with provision coverage ratio at 65% without TW. The bank maintained robust capital adequacy at 21.73% CRAR.

3 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

📢 Key Event
Board approved Q1 FY27 standalone financial results on July 28, 2026.

🔄 What Changed
Net profit grew 25% YoY to ₹383 crores; net interest income rose 31% to ₹820 crores; gross NPA fell to 1.73% from 2.99%; cost to income ratio improved to 45.42% from 48.12%; capital adequacy stood at 21.72%.

🔮 What's Next
Net interest margin is broadly in line with earlier guidance levels.

💡 Investor Takeaway
Profit growth and asset quality improvement signal stronger operational efficiency and financial health for shareholders.

City Union Bank reported Q1 FY27 standalone net profit of ₹383 crores, up 25% YoY from ₹306 crores, driven by 31% growth in net interest income to ₹820 crores and 21% rise in deposits to ₹79,342 crores, with gross NPA declining to 1.73% from 2.99% and cost to income ratio improving to 45.42%.

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About City Union Bank Limited (CUB)

Financial Services · Banks · Listed on NSE

Market Cap: ₹18,625.56 Cr P/E: 14.0

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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