City Union Bank Ltd

City Union Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

City Union Bank Ltd

₹ 196 1.32%
21 May 9:59 a.m.
cityunionbank.com BSE: 532210 NSE: CUB
About

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 )

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 14,531 Cr.
  • Current Price ₹ 196
  • High / Low ₹ 197 / 130
  • Stock P/E 12.9
  • Book Value ₹ 128
  • Dividend Yield 0.77 %
  • ROCE 6.86 %
  • ROE 12.6 %
  • Face Value ₹ 1.00
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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

Sector: Banks Industry: Banks - Private Sector

Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,050 1,099 1,181 1,206 1,228 1,266 1,304 1,326 1,374 1,389 1,434 1,479 1,533
Interest 549 575 613 650 714 744 766 810 828 843 851 891 932
435 447 390 507 451 452 390 391 402 403 451 455 489
Financing Profit 66 78 178 49 63 71 149 125 145 142 132 133 112
Financing Margin % 6% 7% 15% 4% 5% 6% 11% 9% 11% 10% 9% 9% 7%
203 218 173 224 195 191 182 193 175 192 226 228 251
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 269 295 351 273 258 262 331 318 320 334 358 361 363
Tax % 22% 24% 21% 20% 16% 13% 15% 20% 20% 21% 20% 21% 21%
209 225 276 218 218 227 281 253 255 264 285 286 288
EPS in Rs 2.83 3.04 3.74 2.94 2.94 3.07 3.79 3.42 3.44 3.57 3.85 3.86 3.89
Gross NPA % 4.70% 4.65% 4.36% 4.62% 4.37% 4.91% 4.66% 4.47% 3.99% 3.88% 3.54% 3.36% 3.09%
Net NPA % 2.95% 2.89% 2.69% 2.67% 2.36% 2.51% 2.34% 2.19% 1.97% 1.87% 1.62% 1.42% 1.25%
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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: 9%
5 Years: 9%
3 Years: 16%
1 Year: 33%
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%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
18.16% 21.32% 23.75% 24.95% 25.33% 23.66% 26.60% 26.95% 26.44% 26.01% 27.44% 28.04%
41.65% 40.14% 37.74% 36.18% 33.12% 33.18% 32.39% 29.50% 32.55% 33.57% 33.59% 33.07%
40.19% 38.54% 38.53% 38.85% 41.54% 43.15% 41.01% 43.55% 41.00% 40.42% 38.98% 38.90%
No. of Shareholders 1,47,9991,35,2821,45,0831,48,0271,84,7782,08,8122,16,0192,48,8152,29,9432,34,2222,28,0012,23,585

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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