City Union Bank (CUB) — Financial Results

Investor Takeaways

25% QoQ credit growth to Rs. 67,645 crores in Q1 FY27

21% YoY deposit growth to Rs. 79,342 crores in Q1 FY27

Gross NPA declined 126 bps YoY to 1.73%

PAT increased 25% to Rs. 383 crores in Q1 FY27

⚠️ Revised downward ROA guidance to 1.55%-1.65% due to rising staff costs

Overall Tone: Neutral based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	Not available	N/A
Net Profit	383 Cr	25%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

City Union Bank reported 25% quarter-on-quarter growth in credit to Rs. 67,645 crores and 21% year-on-year growth in deposits to Rs. 79,342 crores for Q1 FY27. Gross NPA improved by 126 basis points to 1.73% on a YoY basis. Net profit rose 25% to Rs. 383 crores. The bank maintained stable credit costs at 0.40% and highlighted a targeted product mix of 55-60% MSME and 31-32% gold loans. However, ROA guidance was revised downward to 1.55%-1.65% due to rising staff costs, indicating near-term margin pressure despite strong deposit and credit growth.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
City Union Bank Limited (CUB)	14.04	Not available	Not available	18,625.56
HDFC Bank Limited (HDFCBANK)	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited (ICICIBANK)	15.47	N/A%	N/A%	8,92,242
State Bank of India (SBIN)	10.44	N/A%	N/A%	8,89,093.09

City Union Bank trades at a lower P/E multiple compared to HDFC Bank and ICICI Bank, but its ROE and ROCE metrics are not available for direct comparison.

Risks & Concerns

Revised downward ROA guidance to 1.55%-1.65% due to rising staff costs

NIM guidance remains stable at 3.65%-3.70% for upcoming quarters

MSME loan growth of 15% occurs amid cautious lending practices

Slippage guidance of 1.20%-1.30% indicates ongoing credit quality monitoring

Quarterly Trend

[Not provided in the context. Quarterly trend data is absent, so this section is omitted.]

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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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