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 ₹ 15,320 Cr.
- Current Price ₹ 207
- High / Low ₹ 210 / 143
- Stock P/E 13.7
- Book Value ₹ 128
- Dividend Yield 0.72 %
- ROCE 6.86 %
- ROE 12.6 %
- Face Value ₹ 1.00
Pros
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.8,317 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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2,546 | 2,699 | 2,944 | 3,174 | 3,402 | 3,767 | 4,169 | 4,135 | 4,105 | 4,714 | 5,271 | 5,834 | |
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 |
588 | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,797 | |
Financing Profit | 171 | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 519 |
Financing Margin % | 7% | 6% | 8% | 8% | 9% | 13% | -0% | 2% | 8% | 9% | 11% | 9% |
280 | 415 | 410 | 484 | 532 | 514 | 680 | 689 | 759 | 810 | 742 | 898 | |
Depreciation | 38 | 47 | 52 | 53 | 52 | 62 | 79 | 87 | 85 | 73 | 75 | 0 |
Profit before tax | 414 | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,177 | 1,231 | 1,417 |
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 | |
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 |
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: | 11% |
Compounded Profit Growth | |
---|---|
10 Years: | 11% |
5 Years: | 19% |
3 Years: | 14% |
TTM: | 11% |
Stock Price CAGR | |
---|---|
10 Years: | 10% |
5 Years: | 8% |
3 Years: | 14% |
1 Year: | 39% |
Return on Equity | |
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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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Board Meeting Intimation for Board Meeting Date June 11, 2025
5 Jun - Board meeting on June 11 to fix AGM date, consider capital raising, and set dividend record date.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
28 May - City Union Bank submits Annual Secretarial Compliance Report for FY 2025 as per SEBI regulations.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
28 May - City Union Bank participated in B and K Securities investor conference on May 28, 2025.
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Analyst Conference Call
28 May - City Union Bank will not participate in Nomura Investment Forum Asia 2025 on June 3-4.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
26 May - City Union Bank participated in Nirmal Bang investor conference on May 26, 2025.
Annual reports
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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
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Financial Year 2011
from bse
Concalls
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May 2025Transcript PPT REC
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Feb 2025Transcript PPT REC
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Oct 2024Transcript PPT
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Nov 2021Transcript PPT
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May 2019Transcript PPT
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Dec 2018TranscriptPPT
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May 2017Transcript PPT
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Feb 2017TranscriptNotesPPT
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Nov 2016Transcript PPT
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Aug 2016TranscriptNotesPPT
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.