CUB - City Union Bank Ltd Share Price
Banks
Valuation | |
|---|---|
| Market Cap | 15.79 kCr |
| Price/Earnings (Trailing) | 14.01 |
| Price/Sales (Trailing) | 2.26 |
| EV/EBITDA | 3.09 |
| Price/Free Cashflow | 9.72 |
| MarketCap/EBT | 10.79 |
| Enterprise Value | 15.79 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 7 kCr |
| Rev. Growth (Yr) | 17% |
| Earnings (TTM) | 1.17 kCr |
| Earnings Growth (Yr) | 15.7% |
Profitability | |
|---|---|
| Operating Margin | 25% |
| EBT Margin | 21% |
| Return on Equity | 1.5% |
| Return on Assets | 1.5% |
| Free Cashflow Yield | 10.29% |
Price to Sales Ratio
Revenue (Last 12 mths)
Net Income (Last 12 mths)
Growth & Returns | |
|---|---|
| Price Change 1W | -3% |
| Price Change 1M | 4.3% |
| Price Change 6M | 19.8% |
| Price Change 1Y | 38.4% |
| 3Y Cumulative Return | 5% |
| 5Y Cumulative Return | 8.6% |
| 7Y Cumulative Return | 3.6% |
| 10Y Cumulative Return | 11.1% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | 275.87 Cr |
| Cash Flow from Operations (TTM) | 1.62 kCr |
| Cash Flow from Financing (TTM) | -3.55 kCr |
| Free Cash Flow (TTM) | 1.62 kCr |
| Free Cash Flow/Share (TTM) | 21.93 |
Balance Sheet | |
|---|---|
| Total Assets | 77.62 kCr |
| Shareholder Equity | 77.62 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.6 |
| Interest/Cashflow Ops | 1.44 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 2 |
| Dividend Yield | 0.94% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.20% |
Summary of Latest Earnings Report from City Union Bank
Summary of City Union Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Last updated:
In the 1QFY26 Earnings Conference Call, management for City Union Bank expressed confidence in their performance and future outlook. Key highlights included:
Record PAT Achievement: The bank achieved a Profit After Tax (PAT) of Rs.306 crores, marking a 16% growth YoY and crossing the Rs.300 crores mark for the first time in history.
Credit and Deposit Growth: Credit growth reached 16% YoY, with advances rising from Rs.46,548 crores to Rs.54,020 crores. Deposit growth increased by 20%, from Rs.54,857 crores to Rs.65,734 crores.
Net Interest Margin (NIM): Management projects NIM to remain around 3.5% for FY26. For 1QFY26, NIM was reported at 3.54%, with expectations of slight fluctuations.
Asset Quality: Gross NPA percentage decreased to 2.99%, and net NPA fell to 1.2%. The bank reported total slippages of Rs.196 crores against recoveries of Rs.187 crores, indicating a positive trend in asset quality management.
Cost to Income Ratio: This ratio was noted at 48.12%, with expectations to maintain within the range of 48% to 50% in the upcoming quarters.
Future Guidance: Management anticipates a continuous double-digit growth trajectory in credit and deposit alignment, aiming for a PAT growth consistent with improved asset quality. A credit cost guidance of 0.2% to 0.25% for FY26 was mentioned.
Concerns and Monitoring: While the bank has not observed stress in asset quality, management is closely monitoring the market for potential risks, especially in certain sectors such as MSMEs and textiles due to current economic conditions.
Overall, the outlook is optimistic, projecting growth aligned with their strategies and positive operational metrics, exhibiting robust financial health despite market challenges.
Last updated:
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Revenue Breakdown
Analysis of City Union Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.
Share Holdings
Understand City Union Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
Holding Pattern
Share Holding Details
| Shareholder Name | Holding % |
|---|---|
| HDFC Mutual Fund | 0.0661% |
| SBI Mutual Fund | 0.0648% |
| SMALL CAP WORLD FUND INC | 0.0494% |
| Axis Mutual Fund | 0.0287% |
| HDFC LIFE INSURANCE COMPANY | 0.0283% |
| Franklin Templeton Mutual Fund | 0.0279% |
| VILASINI VAIDYANATHAN | 0.0204% |
| VISALAM G | 0.0204% |
| Edelweiss Mutual Fund | 0.0195% |
| Canara Robeco Mutual Fund | 0.0174% |
| KOTAK FUNDS INDIA MIDCAP FUND | 0.0158% |
| Nippon India Mutual Fund | 0.0151% |
| SBI LIFE INSURANCE COMPANY | 0.0125% |
| BANK MUSCAT INDIA FUND | 0.0122% |
| SRIRAM V HUF | 0.0122% |
| BOWHEAD INDIA FUND | 0.0107% |
Overall Distribution
Distribution across major stakeholders
Ownership Distribution
Distribution across major institutional holders
Is City Union Bank Better than it's peers?
Detailed comparison of City Union Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| FEDERALBNK | Federal Bank | 52.9 kCr | 32.68 kCr | +10.80% | +9.40% | 12.42 | 1.62 | - | - |
| KARURVYSYA | Karur Vysya Bank | 17.81 kCr | 11.51 kCr | +4.90% | +30.10% | 11.12 | 1.55 | - | - |
| RBLBANK | RBL Bank | 17.75 kCr | 18.06 kCr | +6.90% | +41.00% | 22.35 | 0.98 | - | - |
| SOUTHBANK | South Indian Bank | 8.42 kCr | 11.55 kCr | +11.20% | +34.40% | 5.87 | 0.73 | - | - |
| DCBBANK | DCB Bank | 4.06 kCr | 7.64 kCr | +1.60% | -92.30% | 7.51 | 0.53 | - | - |
Sector Comparison: CUB vs Banks
Comprehensive comparison against sector averages
Comparative Metrics
CUB metrics compared to Banks
| Category | CUB | Banks |
|---|---|---|
| PE | 14.01 | 18.18 |
| PS | 2.26 | 2.71 |
| Growth | 14.1 % | 5.5 % |
Performance Comparison
CUB vs Banks (2021 - 2025)
- 1. CUB is NOT among the Top 10 largest companies in Private Sector Bank.
- 2. The company holds a market share of 0.5% in Private Sector Bank.
- 3. In last one year, the company has had an above average growth that other Private Sector Bank companies.
Income Statement for City Union Bank
Balance Sheet for City Union Bank
Cash Flow for City Union Bank
What does City Union Bank Ltd do?
City Union Bank Limited engages in the provision of various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, property, personal and agricultural gold, working capital, business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold-based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. It operates through a network of branches; ATMs, including bulk note recycler machines; passbook kiosks; and cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.