CUB - City Union Bank Ltd Share Price

Banks

₹178.51+1.12(+0.63%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does City Union Bank Ltd do?

Private Sector Bank•Financial Services•Small Cap

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.

Industry Group:Banks

Employees:7,188

Website:www.cityunionbank.com

Pros

Size: Market Cap wise it is among the top 20% companies of india.

Balance Sheet: Strong Balance Sheet.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Profitability: Very strong Profitability. One year profit margin are 17%.

Growth: Good revenue growth. With 34.8% growth over past three years, the company is going strong.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: CUB vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

CUB metrics compared to Banks

Category	CUB	Banks
PE	11.92	17.79
PS	2.0	2.8
Growth	10.4 %	15 %

Performance Comparison

CUB vs Banks (2021 - 2025)

Key Insights

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 a below average growth that other Private Sector Bank companies.

Share Holdings

Understand City Union Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
SBI MUTUAL FUND	7.86%
HDFC MUTUAL FUND	6.56%
SMALL CAP WORLD FUND INC	4.94%
FRANKLIN TEXPLETON MUTUAL FUND	3.09%
AXIS MUTUAL FUND	2.48%
HUF	2.28%
HDFC LIFE INSURANCE COMPANY	2.05%
VILASINI VAIDYANATHAN	2.04%
VISALAM G	2.04%
KOTAK FUNDS INDIA MIDCAP FUND	1.7%
NIPPON INDIA MUTUAL FUND	1.52%
FRANKLIN TEMPLETON INVESTMENT FUNDS	1.48%
ICICI PRUDENTIAL FUND	1.43%
BANK MUSCAT INDIA FUND	1.22%
SRIRAM V	1.22%
BOWHEAD INDIA FUND	1.07%
Unclaimed or Suspense or Escrow Account	0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Income Statement for City Union Bank

Standalone figures (in Rs. Crores)

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	4.9%	1,199	1,143	1,086	1,081	1,036	1,028
Revenue on investments	-0.7%	269	271	262	252	247	239
Interest on balances with RBI and others	-46.3%	9.06	16	38	40	43	36
Other interest	-62%	1.81	3.13	1.72	2.13	0.62	0.66
Total interest earned	3.1%	1,479	1,434	1,389	1,374	1,326	1,304
Other income	0.9%	228	226	192	175	193	182
Total income	2.8%	1,707	1,660	1,581	1,549	1,519	1,486
Total expenditure	3.2%	1,271	1,232	1,207	1,198	1,155	1,100
Interest expended	4.7%	891	851	843	828	810	766
Employees cost	-2.7%	179	184	174	168	156	158
Other operating expenses	2.6%	202	197	189	202	189	176
Operating expenses	-0.3%	380	381	364	370	345	334
Operating profit	1.9%	436	428	373	352	364	387
Provisions other than tax and contingencies	7.2%	75	70	39	32	46	56
Profit before tax	0.8%	361	358	334	320	318	331
Tax expense	2.8%	75	73	70	65	65	50
Profit after tax	0.4%	286	285	264	255	253	281
Net profit (loss) for the period	0.4%	286	285	264	255	253	281
Reserve excluding revaluation reserves	-	-	-	-	8,327	-	-
CET 1 ratio	-0.9%	0.2129	0.2198	0.2255	0.228	0.2083	0.2117
Gross non performing assets	-1.9%	1,693	1,726	1,806	1,854	1,968	2,035
Non performing assets	-9.4%	702	775	854	899	941	999
Return on assets	-	0	0	0.0151	0.0148	0.0149	0.0169

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	9.3%	4,153	3,801	3,454	3,508	3,495	3,178
Revenue on investments	14.9%	959	835	631	583	610	554
Interest on balances with RBI and others	106.8%	154	75	16	37	55	23
Other interest	33.9%	4.08	3.3	4.32	6.59	9.3	13
Total interest earned	11.8%	5,271	4,714	4,105	4,135	4,169	3,767
Other income	-8.4%	742	810	759	705	680	514
Total income	8.8%	6,012	5,525	4,864	4,839	4,849	4,282
Total expenditure	21.3%	4,495	3,707	3,269	3,356	3,507	3,042
Interest expended	23.3%	3,147	2,552	2,188	2,305	2,493	2,156
Employees cost	15.9%	614	530	504	464	421	364
Other operating expenses	17.6%	735	625	577	587	593	521
Operating expenses	16.7%	1,348	1,155	1,080	1,051	1,014	886
Operating profit	-16.6%	1,517	1,818	1,595	1,484	1,341	1,240
Provisions other than tax and contingencies	-55.4%	286	640	610	791	755	315
Profit before tax	4.6%	1,231	1,177	985	693	586	925
Tax expense	-10.5%	215	240	225	100	110	242
Profit after tax	8.4%	1,016	937	760	593	476	683
Net profit (loss) for the period	8.4%	1,016	937	760	593	476	683
CET 1 ratio	1.9%	0.228	0.2127	0.1978	0.1845	0.158	0.1392
Gross non performing assets	-3.4%	1,854	1,920	1,933	1,893	1,413	977
Non performing assets	-11.7%	899	1,018	1,191	1,075	778	591
Return on assets	0.1%	0.0152	0.0146	0.0135	0.0115	0.01	0.0164

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.

Earnings Outlook

Last updated: Feb 25

Management Outlook and Major Points:

Outlook:

Credit Growth: Targeting 12-14% YoY, driven by MSME, gold loans, and digital initiatives. Aims to sustain double-digit growth, with retail contributing 2-2.5% in FY26, scaling to 8-9% in 3"“4 years.
Asset Quality: Gross NPA reduced to 3.36% (vs 4.47% YoY); net NPA at 1.42%. Targeting net NPA of 1"“1.25% by FY25. Slippages (Rs.201 Cr in Q3) are below recoveries (Rs.249 Cr), a trend expected to continue. Provision coverage (PCR) improved to 59% (77% with technical write-offs).
Deposit Growth: Focus on raising deposits to support credit growth, targeting an 85% credit-deposit ratio. CASA grew 5% YoY.
Margins & Profitability: NIM stable at ~3.6% (Â±10 bps). PAT grew 13% YoY in Q3; ROA at 1.57%. Cost-to-income ratio to stay 48"“50% until retail scales.
Retail Strategy: Focus on secured products (loan against property, affordable housing) via DSAs/BCs. Co-branded credit cards (e.g., CSK) target existing customers, avoiding unsecured retail.
Digital & Expansion: Won IBA tech awards; expanding branches to 850"“875 by March 2025.

Major Highlights:

Business Growth: Advances up 14.6% YoY; deposits up 11%.
Asset Quality Improvement: SMA reduced to 1.91%; recoveries exceed slippages.
Stable Margins: Yield on advances at 9.81%; cost of deposits at 5.88%.
Retail Push: Secured products prioritized; minimal unsecured exposure.
Tech & Awards: Recognized for digital innovation, AI/ML adoption, and risk management.
Cautious Strategy: Avoided unsecured retail stress; focus on liability mobilization and operational efficiency.

Q&A Session

Last updated: Feb 25

Question 1: With the CSK co-branded credit card tie-up, is the bank increasing focus on unsecured lending? What portion of the portfolio will be unsecured?
Answer: The CSK co-branded card targets existing customers (90% focus) to fill product gaps, not unsecured retail expansion. Unsecured retail/personal loans remain off-strategy; cards will represent minimal unsecured exposure (current portfolio: 1-2%).

Question 2: What is the status of branch expansion targets for FY25?
Answer: On track to reach 850"“875 branches by March 2025. Expansion prioritizes North and West regions, driven by MSME opportunities, not limited to Tamil Nadu.

Question 3: Which retail products are being prioritized for growth?
Answer: Focus on secured products: loan against property (LAP), affordable home loans, and micro loans via partnerships (e.g., BCs in Jaipur). DSAs appointed in North/West for pilot sourcing.

Question 4: Are additional provisions planned for the restructured portfolio?
Answer: No. Provisions are released as repayments occur; current provisions align with outstanding restructured balances (~INR 1,400 Cr pool).

Question 5: What is the medium-term credit growth guidance?
Answer: Targeting 12"“14% YoY growth, primarily from MSME (~85% of book). Retail to contribute 2"“2.5% in FY25, rising to 8"“9% in 3"“4 years.

Question 6: Why did CASA deposits decline sharply?
Answer: Government business fluctuations impacted CASA; deposit mobilization is now a priority. CD ratio to stabilize at ~85%, with deposit growth matching credit expansion.

Question 7: How will potential rate cuts impact margins?
Answer: Margins (3.6% Â±10 bps) to remain stable; asset repricing is immediate, but liability repricing lags. Yield on advances may dip 10"“12 bps in FY26.

Question 8: What is the outlook for asset quality and credit costs?
Answer: Slippages (INR 800 Cr FY25E, INR 700 Cr FY26E) trend below recoveries. PCR (59% without write-offs) targets 60%; credit costs stable at 60"“65 bps.

Question 9: How will gold loan regulations affect growth?
Answer: No impact. LTV/process compliance has been in place for 24 months. Yield: 9.25% (agri) and 10.25% (non-agri).

Question 10: Why is fee income growth sluggish despite loan growth?
Answer: Fee income stable (1.2"“1.25% of assets) with no near-term catalysts. Focus remains on core MSME operations, not fee-heavy products.

Cash Flow for City Union Bank

Standalone figures (in Rs. Crores)

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	4.6%	1,231	1,177	985
Depreciation	2.8%	75	73	8,502
Unrealised forex losses/gains	52.3%	-71.8	-151.6	19,474
Total adjustments to profit/loss	-99.9%	2.05	758	21,752
Change in inventories	-	-1,279.84	0	0
Change in trade receivables	-	-2,799.37	0	0
Change in trade payables	-	3,259	0	0
Adjustments for Provisions	-	0	0	83,515
Total adj. for working capital	38%	-868.98	-1,402.9	96,441
Net Cashflows From Operations	-31.8%	364	533	119,178
Income taxes paid (refund)	15.1%	-163.48	-192.68	-2,094.51
Net Cashflows From Operating Activities	-27.4%	527	726	121,273
Proceeds from sales of tangible assets	134.6%	62	27	0
Purchase of tangible assets	-69.3%	-168.3	-98.98	-7,710.12
Proceeds from sales of intangible assets	-	0	0	1,426
Net Cashflows From Investing Activities	83.2%	230	126	9,136
Proceeds from issuing shares	255.6%	2.54	0.01	679
Proceeds from borrowings	-	36	0	0
Dividends paid	0%	-74.13	-74.15	-3,757.71
Other inflows (outflows) of cash	-	-575.93	0	-27,658.44
Payment for extraordinary items	-100.1%	0	934	0
Net Cashflows From Financing Activities	45.6%	-463.2	-851.83	-23,222.2
Net change in cash and cash eq.	857.9%	294	-37.66	107,187

Valuation
Market Cap	13.23 kCr
Price/Earnings (Trailing)	12.13
Price/Sales (Trailing)	2.04
EV/EBITDA	2.76
Price/Free Cashflow	23.97
MarketCap/EBT	9.63

Fundamentals
Revenue (TTM)	6.5 kCr
Rev. Growth (Yr)	12.38%
Rev. Growth (Qtr)	2.82%
Earnings (TTM)	1.09 kCr
Earnings Growth (Yr)	13.03%
Earnings Growth (Qtr)	0.29%

Profitability
Operating Margin	24.46%
EBT Margin	21.14%
Return on Equity	1.53%
Return on Assets	0.02%
Free Cashflow Yield	4.17%

Investor Care
Dividend Yield	1.69%
Dividend/Share (TTM)	2.5
Shares Dilution (1Y)	0.05%
Diluted EPS (TTM)	14.61

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

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 BankPrivate Sector Bank	49.05 kCr	31.02 kCr	+3.68%	+27.20%	12.06	1.58	+22.08%	+4.39%
KARURVYSYA	Karur Vysya BankPrivate Sector Bank	17.57 kCr	11.3 kCr	+4.33%	+14.17%	9.33	1.56	-	-
RBLBANK	RBL BankPrivate Sector Bank	12.59 kCr	17.56 kCr	+19.35%	-21.97%	17.56	0.71	+15.60%	-43.09%
SOUTHBANK	South Indian BankPrivate Sector Bank	6.69 kCr	10.98 kCr	+10.84%	-16.03%	5.36	0.61	+11.75%	+11.79%
DCBBANK	DCB BankPrivate Sector Bank	4.38 kCr	6.84 kCr	+24.50%	+0.47%	7.12	0.61	+23.73%	+14.81%

Balance Sheet for City Union Bank

Standalone figures (in Rs. Crores)

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1007640000%	713,660,089,000	70,826	67,274	66,595	64,395	61,531
Cash balances with RBI	-26.6%	3,386	4,615	3,392	3,302	3,271	2,965
Investments	5%	16,453	15,664	15,688	14,333	14,678	12,221
Advances	4.9%	47,771	45,526	42,652	43,053	41,913	40,358
Fixed assets	8.6%	293	270	243	239	244	215
Other assets	22.9%	2,977	2,422	2,563	2,320	2,106	2,050
Capital	0%	74	74	74	74	74	74
Reserves and surplus	5.8%	8,806	8,327	7,817	7,383	6,939	6,512
Deposits	3.1%	57,369	55,657	52,714	52,398	49,878	47,690
Borrowings	-46.1%	2,547	4,724	4,514	4,688	5,398	5,312
Other liabilities and provisions	25.7%	2,570	2,044	2,155	2,051	2,106	1,944
Total capital and liabilities	0.8%	71,366	70,826	67,274	66,595	64,395	61,531

CUB - City Union Bank Ltd Share Price

What does City Union Bank Ltd do?

Sector Comparison: CUB vs Banks

Comparative Metrics

Performance Comparison

Revenue Breakdown

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Income Statement for City Union Bank

Summary of Latest Earnings Report from City Union Bank

Cash Flow for City Union Bank

Valuation

Fundamentals

Profitability

Investor Care

Financial Health

Is City Union Bank Better than it's peers?

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Balance Sheet for City Union Bank