City Union Bank Ltd
City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )
- Market Cap ₹ 14,709 Cr.
- Current Price ₹ 199
- High / Low ₹ 233 / 143
- Stock P/E 12.6
- Book Value ₹ 128
- Dividend Yield 1.01 %
- ROCE 6.86 %
- ROE 12.6 %
- Face Value ₹ 1.00
Pros
- Company's working capital requirements have reduced from 245 days to 146 days
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.95% over past five years.
- Company has a low return on equity of 12.9% over last 3 years.
- Contingent liabilities of Rs.10,792 Cr.
- Company might be capitalizing the interest cost
- Dividend payout has been low at 10.7% of profits over last 3 years
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2,546 | 2,699 | 2,944 | 3,174 | 3,402 | 3,767 | 4,169 | 4,135 | 4,105 | 4,714 | 5,271 | 5,834 | 6,051 | |
Interest | 1,787 | 1,891 | 1,963 | 1,975 | 1,972 | 2,156 | 2,493 | 2,305 | 2,188 | 2,552 | 3,147 | 3,518 | 3,655 |
588 | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 1,883 | |
Financing Profit | 171 | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 600 | 513 |
Financing Margin % | 7% | 6% | 8% | 8% | 9% | 13% | -0% | 2% | 8% | 9% | 11% | 10% | 8% |
280 | 415 | 410 | 484 | 532 | 514 | 680 | 689 | 759 | 810 | 742 | 898 | 950 | |
Depreciation | 38 | 47 | 52 | 53 | 52 | 62 | 79 | 87 | 85 | 73 | 75 | 82 | 0 |
Profit before tax | 414 | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,177 | 1,231 | 1,417 | 1,463 |
Tax % | 16% | 24% | 26% | 27% | 25% | 26% | 19% | 14% | 23% | 20% | 17% | 21% | |
347 | 395 | 445 | 503 | 592 | 683 | 476 | 593 | 760 | 937 | 1,016 | 1,124 | 1,165 | |
EPS in Rs | 5.29 | 5.47 | 6.14 | 6.91 | 8.10 | 9.30 | 6.46 | 8.02 | 10.28 | 12.66 | 13.71 | 15.16 | 15.73 |
Dividend Payout % | 16% | 17% | 16% | 4% | 3% | 5% | 8% | 6% | 10% | 8% | 11% | 13% |
Compounded Sales Growth | |
---|---|
10 Years: | 8% |
5 Years: | 7% |
3 Years: | 12% |
TTM: | 12% |
Compounded Profit Growth | |
---|---|
10 Years: | 11% |
5 Years: | 19% |
3 Years: | 14% |
TTM: | 11% |
Stock Price CAGR | |
---|---|
10 Years: | 10% |
5 Years: | 6% |
3 Years: | 3% |
1 Year: | 17% |
Return on Equity | |
---|---|
10 Years: | 13% |
5 Years: | 12% |
3 Years: | 13% |
Last Year: | 13% |
Balance Sheet
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 54 | 60 | 60 | 60 | 66 | 73 | 74 | 74 | 74 | 74 | 74 | 74 |
Reserves | 1,971 | 2,636 | 2,992 | 3,510 | 4,097 | 4,767 | 5,222 | 5,769 | 6,512 | 7,383 | 8,327 | 9,393 |
Deposits | 22,057 | 24,115 | 27,158 | 30,116 | 32,853 | 38,448 | 40,832 | 44,537 | 47,690 | 52,398 | 55,657 | 63,526 |
Borrowing | 265 | 129 | 665 | 531 | 1,736 | 481 | 2,032 | 1,346 | 5,312 | 4,688 | 4,724 | 2,169 |
647 | 932 | 929 | 1,054 | 1,186 | 1,489 | 1,573 | 1,586 | 1,944 | 2,051 | 2,044 | 2,461 | |
Total Liabilities | 24,994 | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 |
183 | 210 | 218 | 215 | 223 | 250 | 245 | 233 | 215 | 239 | 270 | 322 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 5,954 | 5,871 | 6,826 | 7,031 | 7,879 | 7,712 | 9,117 | 9,436 | 12,221 | 14,333 | 15,664 | 17,336 |
18,857 | 21,790 | 24,760 | 28,024 | 31,835 | 37,297 | 40,372 | 43,643 | 49,095 | 52,023 | 54,891 | 59,965 | |
Total Assets | 24,994 | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
412 | 131 | 248 | 284 | -183 | 419 | 1,836 | 922 | 1,166 | 724 | 436 | 1,128 | |
-79 | -64 | -60 | -50 | -61 | -87 | -60 | -38 | -63 | -72 | -106 | -120 | |
76 | 291 | -75 | -4 | 1 | -5 | -18 | 10 | -31 | -690 | -36 | -2,662 | |
Net Cash Flow | 409 | 357 | 113 | 229 | -243 | 327 | 1,758 | 893 | 1,072 | -38 | 294 | -1,653 |
Ratios
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 19% | 16% | 15% | 15% | 15% | 15% | 9% | 11% | 12% | 13% | 13% | 13% |
Documents
Announcements
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Opening Of New Branch
21 Aug - Opened Rajouri Garden branch (CBS 00892) on 21-Aug-2025; total branches now 887.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
21 Aug - City Union Bank participated in Antique’s investor conference on August 20, 2025.
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Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
17 Aug - City Union Bank AGM approved FY25 results, Rs.2 dividend, auditor appointments, CEO pay revision, and QIP authorization.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
14 Aug - Bank will be participating in the Antique''s Flagship Investor Conference- Build India, New india to be held from August 20-22 , 2025 in Mumbai
- Shareholder Meeting / Postal Ballot-Outcome of AGM 13 Aug
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from nse
Concalls
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Aug 2025Transcript PPT REC
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Business Profile[1]
Established in 1904, City Union Bank is one of India's oldest banks, focusing on lending to MSME and Retail/Wholesale Trade. Headquartered in Tamil Nadu, it has a strong presence in South India with 875 branches as of March 2025.