City Union Bank Financials
NSE: CUB | BSE: 532210
₹231.08
₹3.84
(1.69%)
As on 17-Sep-2026 13:34IST
Market cap
₹23,041 Cr
Revenue (TTM)
₹7,249 Cr
P/E Ratio
16.4
P/B Ratio
2.1
Div. Yield
0.6 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
7,249.41
|
6,869.76
|
5,834.04
|
5,270.57
|
4,714.34
|
4,104.78
|
|
|
|
|
|
|
Other Income
|
1,038.54
|
1,038.83
|
898.06
|
741.66
|
810.36
|
759.08
|
|
|
|
|
|
|
Total Income
|
8,287.96
|
7,908.59
|
6,732.11
|
6,012.22
|
5,524.70
|
4,863.86
|
|
|
|
|
|
|
Interest Expended
|
4,224.74
|
4,039.92
|
3,518.33
|
3,147.10
|
2,551.54
|
2,188.29
|
|
|
|
|
|
|
Operating Expenses
|
1,919.34
|
1,854.43
|
1,535.15
|
1,348.39
|
1,155.18
|
1,080.26
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,143.89
|
2,014.23
|
1,678.63
|
1,516.73
|
1,817.98
|
1,595.31
|
|
|
|
|
|
|
Provisions and Contingencies
|
351.00
|
343.00
|
262.00
|
286.00
|
640.50
|
610.15
|
|
|
|
|
|
|
Profit Before Tax
|
1,792.89
|
1,671.23
|
1,416.63
|
1,230.73
|
1,177.48
|
985.17
|
|
|
|
|
|
|
Taxes
|
390.00
|
345.00
|
293.00
|
215.00
|
240.00
|
225.00
|
|
|
|
|
|
|
Profit after Tax
|
1,402.89
|
1,326.23
|
1,123.63
|
1,015.73
|
937.48
|
760.17
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,402.89
|
1,326.23
|
1,123.63
|
1,015.73
|
937.48
|
760.17
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
10,564.86
|
10,564.86
|
9,466.62
|
8,401.43
|
7,457.21
|
6,585.71
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
78,307.95
|
78,307.95
|
63,525.95
|
55,656.64
|
52,397.86
|
47,689.67
|
|
|
|
|
|
|
Borrowings
|
5,326.80
|
5,326.80
|
2,169.41
|
4,724.16
|
4,688.09
|
5,311.82
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
2,824.78
|
2,824.78
|
2,461.23
|
2,043.64
|
2,051.40
|
1,943.72
|
|
|
|
|
|
|
Total Liabilities
|
97,024.40
|
97,024.40
|
77,623.21
|
70,825.87
|
66,594.56
|
61,530.91
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
6,267.33
|
6,267.33
|
3,874.57
|
4,615.40
|
3,302.36
|
2,965.10
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
2,659.74
|
2,659.74
|
1,415.97
|
2,328.12
|
3,346.92
|
3,721.83
|
|
|
|
|
|
|
Investments
|
18,986.92
|
18,986.92
|
17,336.14
|
15,664.11
|
14,332.63
|
12,221.22
|
|
|
|
|
|
|
Advances
|
65,875.17
|
65,875.17
|
52,081.25
|
45,525.72
|
43,053.35
|
40,358.47
|
|
|
|
|
|
|
Net Block
|
468.53
|
468.53
|
322.34
|
270.37
|
239.33
|
214.65
|
|
|
|
|
|
|
Other Assets
|
2,766.70
|
2,766.70
|
2,592.94
|
2,422.14
|
2,319.99
|
2,049.64
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
97,024.40
|
97,024.40
|
77,623.21
|
70,825.87
|
66,594.56
|
61,530.91
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
802.47
|
1,128.30
|
436.20
|
724.13
|
1,165.50
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-207.85
|
-119.69
|
-106.41
|
-71.88
|
-62.84
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
3,041.91
|
-2,661.59
|
-35.53
|
-689.90
|
-30.79
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
3,636.53
|
-1,652.98
|
294.25
|
-37.66
|
1,071.87
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
14.16
|
13.39
|
11.37
|
10.29
|
9.50
|
7.71
|
|
|
|
|
|
|
Cash EPS (₹)
|
14.16
|
14.47
|
12.20
|
11.05
|
10.23
|
8.57
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
110.74
|
106.64
|
95.82
|
85.07
|
75.54
|
66.78
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.66
|
1.50
|
1.50
|
1.13
|
0.75
|
0.75
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
10.80
|
15.23
|
5.89
|
9.78
|
15.76
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-0.07
|
7.58
|
0.73
|
1.79
|
7.18
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.43
|
11.20
|
11.58
|
10.95
|
10.17
|
|
|
|
|
|
|
Yield on Investments
|
--
|
6.72
|
6.51
|
6.33
|
5.88
|
5.67
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.60
|
5.85
|
6.37
|
6.48
|
6.04
|
|
|
|
|
|
|
NIM (%)
|
3.78
|
3.02
|
3.10
|
3.12
|
3.38
|
3.23
|
|
|
|
|
|
|
ROE (%)
|
13.69
|
13.24
|
12.58
|
12.81
|
13.35
|
12.23
|
|
|
|
|
|
|
ROA (%)
|
1.61
|
1.52
|
1.51
|
1.48
|
1.46
|
1.32
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
47.93
|
47.77
|
47.06
|
38.85
|
40.38
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
19.81
|
17.75
|
10.69
|
11.80
|
14.85
|
-0.72
|
|
|
|
|
|
|
EBIT Growth (%)
|
37.10
|
19.99
|
10.67
|
-16.57
|
13.96
|
8.68
|
|
|
|
|
|
|
Net Profit Growth (%)
|
26.25
|
18.03
|
10.62
|
8.35
|
23.33
|
28.23
|
|
|
|
|
|
|
EPS Growth (%)
|
20.18
|
17.70
|
10.58
|
8.31
|
23.19
|
28.10
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
11.60
|
12.68
|
12.66
|
13.23
|
12.72
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
16.42
|
10.08
|
7.77
|
9.85
|
9.94
|
12.56
|
|
|
|
|
|
|
Price / Book Value
|
2.10
|
1.69
|
1.23
|
1.19
|
1.25
|
1.45
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.65
|
0.83
|
1.27
|
1.11
|
0.79
|
0.77
|
|
|
|
|
|
|
EV/EBITDA
|
10.31
|
11.49
|
8.23
|
9.71
|
7.70
|
9.31
|
|
|
|
|
|
|
Close Price (₹)
|
208.60
|
179.89
|
117.89
|
101.36
|
94.39
|
96.68
|
|
|
|
|
|
|
High Price (₹)
|
243.08
|
243.08
|
140.93
|
125.85
|
153.75
|
137.96
|
|
|
|
|
|
|
Low Price (₹)
|
144.75
|
110.25
|
97.80
|
89.63
|
88.16
|
81.45
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
23,040.76
|
17,825.64
|
11,644.75
|
10,003.01
|
9,318.36
|
9,544.43
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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