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    Banks - Regional
City Union Bank Limited

City Union Bank Limited

CUB.NS
City Union Bank LimitedIN flagNational Stock Exchange of India
224.69
INR
+7.93
- -
222.62BMarket Cap
City Union Bank Limited
CUB.NS
(National Stock Exchange of India)

Recent

price

224.69

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
10.27
11.94
15.31
16.54
17.28
19.24
22.54
27.66
29.45
32.46
34.1
36.18
40.19
38.69
43.39
52.16
45.17
Revenue per Share
3.83
4.79
5.49
5.53
5.64
6.15
6.94
8.35
9.57
6.48
8.03
10.29
12.67
13.72
15.17
17.88
15.73
Basic EPS, GAAP
3.79
-1.98
9.33
5.07
0.94
2.6
3.21
-3.45
4.31
23.95
11.46
14.73
8.45
3.62
12.56
6.07
- -
Free Cash Flow per Basic Share
0.53
0.58
0.68
0.75
0.77
0.91
0.24
0.28
- -
0.5
0.02
0.51
1
1
1.5
1.99
- -
Dividend per Share
0.82
0.81
0.93
0.97
0.95
0.93
1.28
1.47
1.83
1.79
1.83
2.35
2.48
2.52
3.08
1
- -
Book Value per Share
17.91
21.23
28
32.27
38.47
42.21
49.26
58.69
67.86
72.02
79.18
89.1
100.8
113.46
127.81
142.43
- -
Tangible Book Value per Share
562
585
586
627
701
723
725
709
713
735
738
739
740
740
741
742
741
Basic Weighted Avg Shares
5,772
6,993
8,971
10,378
12,107
13,914
16,337
19,624
21,007
23,867
25,164
26,740
29,730
28,651
32,138
38,687
33,456
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
168
136
247
377
358
524
530
525
615
790
875
850
729
754
816
1,074
- -
Depreciation Expense
2,151
2,803
3,220
3,471
3,950
4,447
5,028
5,920
6,829
4,763
5,928
7,602
9,375
10,157
11,236
13,262
11,651
Net Income, GAAP
- -
16.16
20.1
16.08
24.18
26.22
27.43
33.45
26.17
18.76
14.43
22.84
20.38
17.47
20.68
20.64
20.37
Effective Tax Rate (%)
37.26
40.07
35.9
33.44
32.63
31.96
30.78
30.17
32.51
19.96
23.56
28.43
31.53
35.45
34.96
34.28
34.82
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,862
3,187
4,767
1,850
1,488
1,125
560
6,819
4,009
16,204
13,457
53,118
46,881
33,722
17,904
53,268
- -
LT Debt
10,066
12,431
16,407
20,249
26,955
30,520
35,702
41,632
48,408
52,961
58,425
65,857
74,572
84,014
94,666
105,649
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
469.66
599.55
633.03
601.18
618.35
664.3
628.24
601.81
582.58
363.41
444.05
492.47
525.94
549.4
541.71
876.81
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
741
- -
Market Capitalization
95,753
87,320
121,490

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
52,905
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.25%
12.58%
11.6%
Free Cash Flow
13.86%
24.94%
-51.65%
Net Income, GAAP
12.89%
17.71%
18.03%
Sales/Revenue/Turnover
11%
9.27%
20.38%
Total Cash Common Dividend
- -
463.18%
32.8%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7,140
7,205
7,088
7,218
28,651
2025
7,373
8,088
8,161
8,515
32,138
2026
8,692
9,975
10,763
- -
38,687

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.08
3.78
3.42
- -
13.72
2025
3.57
3.85
3.86
3.89
15.17
2026
4.13
4.48
4.84
- -
17.88

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
1.5
2026
- -
- -
- -
- -
1.99
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Business
City Union Bank Limited (CUB.NS) operates as a private sector bank in India, providing a range of banking and financial services including savings and current accounts, fixed and recurring deposits, loans such as housing, vehicle, personal, gold, and business loans; debit and credit cards; internet, mobile, and digital banking services; non-resident Indian (NRI) banking; remittance services; foreign exchange services; safe deposit lockers; and demat accounts. The bank serves retail, corporate, and institutional customers across various segments with a network of over 700 branches and 1,400 ATMs primarily concentrated in southern India, with expanding presence in other regions. Founded in 1904 and headquartered in Kumbakonam, Tamil Nadu, the bank focuses on underserved markets and maintains subsidiaries for specialized financial services. In recent developments, City Union Bank launched its updated mobile banking app with enhanced digital features including UPI payments and video KYC in 2024 to bolster its digital transformation efforts [ from previous]. The bank entered a strategic partnership with fintech platforms for co-lending models targeting MSME loans and expanded its branch network by 50 locations in FY2025 amid rising deposit growth [ from previous]. Additionally, it completed a capital infusion through a qualified institutional placement raising INR 1,500 crore in early 2025 to support loan book expansion and technology upgrades [ from previous].