CUB · NSE · Private Sector Bank
City Union Bank Ltd
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Small Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
dear
low confidence
No valuation within 120 days; P/E 16.3 vs peers 12.0 (8th of 14); P/B 1.7 vs peers 0.98 (11th of 13).
Statements through FY2026Prices adjusted for 4 corporate actionsNot yet reviewed by the adversarial model
What is City Union Bank's share price today?
City Union Bank last traded at ₹231.17 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, up 41.7% over a year. Its 52-week range is ₹159 to ₹249. The live price is in the app.
₹231.17
−0.1% today
+41.7% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range80% of the way up
Low ₹159High ₹249
What is City Union Bank's market cap?
City Union Bank's market capitalisation is about ₹22,929 crore: what it would cost to buy every share at today's price. That makes it the 88th largest small cap company we cover.
₹22,929 Cr
Small Cap88th largest small cap company
Share price₹231.17
×
Shares in issue99 crore
=
Market cap₹22,929 Cr
Small Cap means the companies ranked 251 and below by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: CUB
- ISIN
- INE491A01021
- Cap bucket
- Small Cap, 88th largest by market cap
- Industry (NSE)
- Financial Services › Banks › Private Sector Bank
- Listed since
- 1998
- Futures and options
- Not traded
Is City Union Bank overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 16.3 vs peers 12.0 (8th of 14); P/B 1.7 vs peers 0.98 (11th of 13).
Valuation
Latest price and trailing 12 months
P/E
16.33
vs peers 12.0 · 8th of 14
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
1.69
vs peers 1.0 · 11th of 13
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹22,929 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
6.87
vs peers 6.8 · 7th of 12
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
1.34
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is City Union Bank a quality business?
Quality score 64.1, 5th of 14 in its peer set; CLEAN on 18 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
64.1
vs peers 45.8 · 5th of 14
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
CLEAN
18 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin
3.7%
vs peers 3.8% · 9th of 14
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
1.7%
vs peers 1.5% · 8th of 14
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
0.6%
vs peers 0.4% · 10th of 14
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
65.4%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
0.6%
vs peers 0.6% · 8th of 14
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
47.9%
vs peers 56.4% · 4th of 14
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
1.5%
vs peers 1.1% · 4th of 14
Profit as a share of average total assets. Learn more →
CET1 ratio
21.7%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
26.5%
vs peers 16.1% · 1st of 14
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
23.3%
vs peers 12.1% · 2nd of 14
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has City Union Bank made money for shareholders?
Yes: +41.7% over one year and +13.8% a year over five years.
Shareholder returns
5-year return
+13.8% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
+1.7%1M
+2.5%3M
+2.8%6M
+23.7%1Y
+41.7%3Y
+29.7%5Y
+13.8%Does City Union Bank pay a dividend?
City Union Bank last paid ₹2.00 a share, ex-dividend 31 Jul 2026; nothing in the past 12 months counts toward a yield.
Dividends
Per share, by ex-dividend date
31 Jul 2026 · Final₹2.00
1 Aug 2025 · Final₹1.50
9 Aug 2024 · Final₹1.12
11 Aug 2023 · Final₹0.75
10 Aug 2022 · Final₹0.75
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.
Is City Union Bank growing?
Loan growth 26.5%; deposit growth 23.3%; revenue 3 years 12.7% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
26.5%
vs peers 16.1% · 1st of 14
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
23.3%
vs peers 12.1% · 2nd of 14
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
12.7% a year
vs peers 12.4% · 7th of 14
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
12.2% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
11.2% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
17.4% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did City Union Bank do last quarter?
City Union Bank reported income of ₹2,229 Cr, up 17.5% on a year earlier in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹2,229 Cr
+17.5% on a year earlier
What the company took in over the quarter.
How does City Union Bank compare with its peers?
Compared with 13 Private Sector Bank; 8th of 14 on P/E; 5th of 14 on quality score.
Compared with 13 Private Sector Bank
13 companies
- City Union Bank Ltd (this page)
- IDBI Bank Ltd
- Federal Bank Ltd
- IDFC First Bank Ltd
- IndusInd Bank Ltd
- RBL Bank Ltd
- Yes Bank Ltd
- Karur Vysya Bank Ltd
- Bandhan Bank Ltd
- Jammu and Kashmir Bank Ltd
- Tamilnad Mercantile Bank Ltd
- South Indian Bank Ltd
- Karnataka Bank Ltd
- DCB Bank Ltd
City Union Bank against its peers
Largest 10 of 13 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
City Union Bank Ltd₹22,929 Cr16.31.713.2%+41.7%
Jammu and Kashmir Bank Ltd₹15,222 Cr6.60.816.7%+30.1%
Tamilnad Mercantile Bank Ltd₹13,853 Cr9.60.914.0%+101.2%
Peer median—12.01.011.4%+44.1%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns City Union Bank?
City Union Bank has no promoter holding; it is widely held.
Shareholding pattern
Latest filing, percent of shares
Promoters0.0%
The founders and controlling group.
Foreign institutions18.6%
Overseas funds investing through the FPI route.
Domestic institutions44.9%
Indian insurers, banks, pension and mutual funds together.
Mutual funds34.2%
Indian mutual fund schemes; part of domestic institutions.
Retail and others18.8%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What do analysts say about City Union Bank?
25 analysts cover City Union Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
Analyst consensus
25 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.
What does City Union Bank do and what is it sensitive to?
City Union Bank's excerpts describe a bank serving MSME, agricultural, exporter and retail customers through branches and digital channels. Sensitive to: interest rates.
Business-model card
FY2026 · 43 verified
3Revenue
4Channels
4Regulators
5Reg. dependencies
5Sensitivities
4Costs
2Geographies
City Union Bank's excerpts describe a bank serving MSME, agricultural, exporter and retail customers through branches and digital channels. It earns mainly through its treasury, corporate and retail banking segments and through fee income from distributing third-party insurance and mutual fund products.
Revenue by segment
Year ended March 31, 2026 (FY 2026)
Treasury18.0%
Corporate Banking21.1%
Retail Banking58.8%
Other Banking Operations2.1%
Revenue engine
3 verified
Retail Banking segment (71.5%)
Interpretation: retail banking is the largest gross-profit segment in the excerpt's FY2026 table. The segment includes Digital Banking Units. Its revenue comes from the bank's retail products and services.
Corporate / Wholesale Banking segment (19.0%)
Interpretation: the second-largest gross-profit segment in the excerpt's FY2026 table. Its revenue comes from corporate and wholesale lending and related banking.
Treasury segment (9.6%)
Interpretation: treasury contributes a smaller share of gross profit. The excerpt does not describe its instruments beyond the capital-market and derivative exposure tables.
Customers & channels
4 verified
MSME and agricultural customers
Company states that MSME and agriculture are its strategic focus, so lending to these segments is a core part of the business model.
Exporters and foreign exchange users
The bank lends to exporters and offers forex facilities to customers with underlying exposures, so trade volumes drive this line.
Young tech-savvy retail customers via digital channels
Company says its core segment is a young population of tech-savvy users; the bank also uses social media channels to reach younger customers.
1 more statement
Insurance and investment customers via bank channels
Cross-selling of insurance and mutual fund products through the bank's net banking and mobile banking platforms reaches existing customers.
Regulators
4 verified
Reserve Bank of India (RBI)
Governs provisioning norms, floating provisions and the Basel III capital and liquidity framework that apply to the bank's lending and deposits.
Insurance Regulatory and Development Authority of India (IRDAI)
Governs the insurance products the bank distributes as a corporate agent, which produce its insurance fee income.
Deposit Insurance and Credit Guarantee Corporation (DICGC)
Governs deposit insurance under the DICGC Act, which applies to the bank's deposit base.
1 more statement
Foreign Exchange Management Act, 1999
Governs the bank's forex transaction and export-related business, to the extent applicable to the bank.
Regulatory dependencies
5 verified
RBI loss-asset provisioning norm
Interpretation: a stricter provisioning norm on loss assets would raise provision charges and reduce profit, while a looser one would lower them.
RBI requirement for fair-value ESOS accounting for MD & CEO and material risk takers
Mandated fair-value accounting raises the employee cost recognised in the P&L, which lowers net profit and EPS. The excerpt quantifies the reduction for FY2025.
Market risk capital charge
Interpretation: the capital charge for market risk under the standardised approach is an input to the bank's capital requirement; higher trading or FX exposure raises it.
2 more statements
Liquidity Coverage Ratio
Interpretation: the LCR compares high-quality liquid assets with net cash outflows; a higher required ratio would require holding more liquid assets, which typically earn less.
Interest rate risk shock limit
Earnings impact is measured by applying a rate shock up to 200 bps as prescribed, so rate-shock rules set how much net interest income can move.
Sensitivities
5 verified
Interest rates
Direction: changes in market rates affect current earnings (net interest income and margin) and net worth. The excerpt does not give the sign for this bank.
Energy prices and input shortages
Direction: higher energy prices and shortages of inputs raise costs and disrupt trade. The excerpt says the Strait of Hormuz disruption caused this.
Monsoon
Direction: a deficient south-west monsoon could weaken agricultural activity and rural demand, which affects MSME and agricultural borrowers.
2 more statements
US tariffs and trade
Direction: the impact of US tariffs on trade, financial markets and the domestic economy is uncertain and could weigh heavily. Exporter lending would be the most exposed line.
Central bank rate cuts abroad
Direction: the excerpt describes banks with stronger balance sheets and provisioning buffers as better placed when central banks cut rates; it does not describe this bank's position.
Cost inputs
4 verified
Interest on deposits
Deposit interest is the bank's funding cost; it is driven by the deposit base and rates. The excerpt shows it as a separate expense line.
Interest on RBI and inter-bank borrowings
Borrowings from RBI and other banks are a funding cost driven by short-term market rates.
Payments to and provision for employees
Employee cost is an operating expense line in the schedule; it grows with staffing and pay.
1 more statement
Technology investments
Company states technology expenses are escalating, covering AI infrastructure, core banking and cybersecurity. This raises operating cost.
Geographies
2 verified
Domestic India
The bank reports only one geographical segment, which is domestic, so its revenue is treated as coming from India.
Export and forex-linked business
Forex transaction facilities are offered to customers with underlying forex exposure, linking part of the bank's business to foreign trade.
Each statement is checked word for word against the FY2026 annual report; the passages are in the app.
What changed recently?
Dividend - Rs 2 Per Share (31 Jul 2026).
Change log
8 entries · newest first
- Corporate actionDividend - Rs 2 Per Share.
- Results filedQ1 FY2027 results filed.
- Corporate actionBonus 1:3; price history adjusted.
- Results filedQ4 FY2026 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Corporate actionDividend - Rs 2 Per Share.
- Results filedQ1 FY2026 results filed.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsCLEAN on 18 of 22 lender flags judged; no red flag; 4 could not be judged.
- Data gapsDividend yield, Business quality, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓285 months of month-end prices, adjusted for bonuses and splits (4 corporate actions)○no valuation of ours yet✓business-model card FY2026 · 43 verified
Questions people ask
What is City Union Bank's share price today?
City Union Bank last traded at ₹231.17 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, up 41.7% over a year. Its 52-week range is ₹159 to ₹249. The live price is in the app.
What is City Union Bank's market cap?
City Union Bank's market capitalisation is about ₹22,929 crore: what it would cost to buy every share at today's price. That makes it the 88th largest small cap company we cover.
Is City Union Bank Ltd a large cap, mid cap or small cap?
City Union Bank Ltd (CUB) is a small cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is City Union Bank Ltd's P/E ratio?
16.33, vs peers 12.0 · 8th of 14. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is City Union Bank Ltd overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 16.3 vs peers 12.0 (8th of 14); P/B 1.7 vs peers 0.98 (11th of 13).
How does City Union Bank Ltd make money?
City Union Bank's excerpts describe a bank serving MSME, agricultural, exporter and retail customers through branches and digital channels. It earns mainly through its treasury, corporate and retail banking segments and through fee income from distributing third-party insurance and mutual fund products.
Why is there no Altman Z or debt to equity for City Union Bank?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are City Union Bank Ltd's peers?
Compared with 13 Private Sector Bank: IDBI Bank Ltd, Federal Bank Ltd, IDFC First Bank Ltd, IndusInd Bank Ltd, RBL Bank Ltd and 8 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did City Union Bank do last quarter?
City Union Bank reported income of ₹2,229 Cr, up 17.5% on a year earlier in the Jun 2026 quarter.
Who owns City Union Bank?
City Union Bank has no promoter holding; it is widely held.
Does City Union Bank pay a dividend?
City Union Bank last paid ₹2.00 a share, ex-dividend 31 Jul 2026; nothing in the past 12 months counts toward a yield.
What do analysts say about City Union Bank?
25 analysts cover City Union Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.