City Union Bank
City Union Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for City Union Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
City Union Bank Ltd trades at a P/E of 15.08× and P/B of 1.89×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
City Union Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for City Union Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
City Union Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹19,745.24 Cr and reported EPS of ₹13.37.
City Union Bank segment analysis: revenue and profit mix.
Disclosed business segments at City Union Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
City Union Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
City Union Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy City Union Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
City Union Bank Ltd's investment case rests on 6 positive markers and 7 flagged concerns drawn from the latest reported filings.
What you're getting.
City Union Bank exhibits a healthy Return on Equity (ROE) of 12.60%, indicating efficient use of shareholder funds. Its attractive Price-to-Earnings (PE) ratio of 15.00 suggests potential undervaluation compared to some peers.
The bank demonstrates impressive operating profit margins (OPM) of 68.90%, highlighting strong operational efficiency. This is further supported by a robust 15.70% quarterly profit growth, showcasing consistent financial performance.
City Union Bank reported a strong quarterly sales growth of 15.60%, indicating increasing business activity and revenue generation. This positive trend reflects healthy demand for its services and market penetration.
As a private sector bank, CUB is well-positioned to capitalize on India's growing economy, increasing financial inclusion, and rising demand for banking services, driving potential expansion.
The consistent increase in FII holdings, from 18.16% in 2022 to 25.96% in 2025, alongside strong DII presence, signals growing institutional investor confidence in the bank's future prospects.
What can break it.
City Union Bank carries a high debt-to-equity ratio of 6.94, indicating substantial reliance on borrowed funds. This elevated leverage could expose the bank to increased financial risk, especially during economic downturns.
The complete absence of promoter holdings (0%) raises concerns about long-term commitment and alignment of interests from key stakeholders. This structure might impact investor confidence and corporate governance perceptions.
The bank's Return on Capital Employed (ROCE) stands at a relatively low 6.86%. This suggests that the company may not be optimally utilizing its capital to generate profits, warranting a review of its investment efficiency.
Recent stock data shows considerable price volatility, with daily changes up to 3.79% and a wide 52-week range from 142.91 to 240.60. This fluctuation could deter risk-averse investors.
City Union Bank faces intense competition from larger, well-capitalized private and public sector banks. This competitive pressure could impact its market share, pricing power, and profitability margins.
What would change my mind.
Trim if P/E re-rates above 20 (~1.1× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
City Union Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — City Union Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
City Union Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for City Union Bank Ltd — derived from the live tape, not yesterday's close.
City Union Bank Ltd last traded at ₹199.35 with an intraday range of ₹198.2–₹207.85 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹199.35| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 224.70 | +25.35 | +12.72% |
| R3 | 215.05 | +15.70 | +7.88% |
| R2 | 211.45 | +12.10 | +6.07% |
| R1 | 205.40 | +6.05 | +3.03% |
| PIVOT | 201.80 | 2.45 | 1.23% |
| CURRENT | 199.35 | — | — |
| S1 | 176.45 | -22.90 | -11.49% |
| S2 | 186.10 | -13.25 | -6.65% |
| S3 | 192.15 | -7.20 | -3.61% |
| S4 | 195.75 | -3.60 | -1.81% |
CUB is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 203.8 ~ 207.85
Trading Inside opening range
City Union Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for City Union Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in City Union Bank Ltd stood at 57.0% of traded volume, against a 20-day average of 57.2%.
City Union Bank announcements: results, concalls, ratings, M&A.
Filings City Union Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
City Union Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 205 documents below.
Analysts/Institutional Investor Meet/Con. Call Updates
City Union Bank Limited has informed the Exchange about Schedule of meet
Shareholders meeting
Submission of eVoting result along with copy Scrutinizers report of Postal Ballot.
Analysts/Institutional Investor Meet/Con. Call Updates
City Union Bank Limited has informed the Exchange about Schedule of meet
General Updates
City Union Bank Limited has informed the Exchange about General Updates u/r 30 of SEBI Listing Regulations , 2015 as amended
General Updates
RBI has accorded its approval to Kotak Mahindra Bank Limited to acquire aggregate holding of up to 9.99% of the paid up share capital or voting…
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
City Union Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue City Union Bank has declared, sequenced by announce and record date.
City Union Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About City Union Bank Ltd: business, sector, key facts.
What City Union Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
City Union Bank Ltd operates in the Financial Services, listed as NSE: CUB, BSE: 532210.
City Union Bank Limited (CUB) is an Indian banking institution offering a comprehensive range of financial products and services to both individual and corporate clients. Its operations are segmented into four key areas: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. This diversified approach allows CUB to cater to a wide spectrum of financial needs within the Indian market.
The Retail Banking segment focuses on individual customers, providing a variety of deposit options including savings and current accounts, along with several fixed deposit schemes tailored to different needs and investment goals. This segment also encompasses a broad portfolio of loan products, covering personal loans (consumer, education, home, and vehicle loans), agricultural loans, and gold loans. Supporting these offerings are additional services such as ATM access, debit/credit cards, and insurance products.
CUB's Corporate/Wholesale Banking division caters to the needs of businesses and corporations. This involves providing working capital loans, business loans, cash credit facilities, and various other financial instruments like bank guarantees and letters of credit. They also facilitate international trade through services such as export and import financing, remittances, and correspondent banking. Risk management solutions are also offered within this segment for treasury operations.
Beyond its core banking functions, CUB’s Treasury segment manages the bank's financial assets and liabilities, ensuring efficient liquidity and profitability. The "Other Banking Operations" segment encompasses a range of supplementary services including locker facilities, cash management solutions (such as payment to government and various electronic fund transfer systems), and technological services supporting efficient banking transactions. This also includes the maintenance and operation of its extensive branch network and ATM infrastructure.
In summary, City Union Bank Limited operates a robust and diversified banking model, serving a wide range of clients with a comprehensive suite of financial products and support services. Its long history and established presence in India contribute to its position within the competitive Indian banking landscape. The bank utilizes a network of branches, ATMs, and various technological solutions to ensure convenient and efficient access for its customers.
Questions investors ask about City Union Bank Ltd (CUB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of City Union Bank Ltd (CUB)?
The current share price of City Union Bank Ltd (CUB) is ₹199.35. Today, the stock has declined by ₹2.35 (1.17%), trading in a range of ₹198.2 to ₹207.85. The stock opened at ₹205.7 with a trading volume of 46,08,069 shares.
02Is City Union Bank Ltd stock a good investment for long-term?
City Union Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹19,745.24 crores, P/E ratio of 15.08, ROE of 13.24%, and ROCE of 6.86%. The dividend yield stands at 0.74%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of City Union Bank Ltd stock?
The 52-week high price of City Union Bank Ltd (CUB) is ₹324.1, while the 52-week low is ₹187.05. Currently trading at ₹199.35, the stock is 9.0% away from its 52-week low and 38.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy City Union Bank Ltd stock at the current price?
Whether to buy City Union Bank Ltd stock at ₹199.35 depends on multiple factors. The stock is currently trading with a P/E ratio of 15.08 and P/B ratio of 1.89. Today's performance shows a loss of 1.17%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of City Union Bank Ltd and when is the next dividend?
City Union Bank Ltd offers a dividend yield of 0.74%, which means for every ₹100 invested at the current price of ₹199.35, you can expect to receive approximately ₹0.74 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of City Union Bank Ltd?
City Union Bank Ltd's key financial metrics include: P/E Ratio: 15.08, P/B Ratio: 1.89, ROE: 13.24%, ROCE: 6.86%, Dividend Yield: 0.74%, EPS: ₹13.37, Book Value: ₹106.66, and Debt-to-Equity: 0.00. The company's market cap stands at ₹19,745.24 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is City Union Bank Ltd stock performing today in the market?
City Union Bank Ltd stock opened at ₹205.7 and is currently trading at ₹199.35, showing a decline of ₹2.35 (1.17%). The intraday high is ₹207.85 and low is ₹198.2. The trading volume stands at 46,08,069 shares, indicating strong market participation today.
08What is the P/E ratio of City Union Bank Ltd and what does it indicate?
City Union Bank Ltd has a Price-to-Earnings (P/E) ratio of 15.08, which means investors are willing to pay ₹15.08 for every ₹1 of earnings. With an EPS of ₹13.37, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about City Union Bank Ltd (CUB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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