AUDITED STANDLONE FINANCIAL RESULTS FOR Q4 FY 2025 and YEAR ENDED MARCH 31, 2025

EBITDA margin expansionResults View source PDF Explain this filing

CUB · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

+4.6%Reaction day

₹173.99

prior close

₹180.53

announcement price

After-mkt

timing

Nifty Smallcap 250market · index membership as recorded later (tracked since Jun 2026)+1.1%+3.5% vs market

Private Sector Bank peers, median of 19sector+0.2%+4.4% vs sector

On the reaction day the stock moved 3.5 pts more than Nifty Smallcap 250 and 4.4 pts more than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-1.2

10m

-1.4

15m

-1.5

30m

-0.3

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+4.6+1.1+3.5+0.2+4.4

Next day

+3.7-1.1+4.9-2.0+5.7

+4.0+0.1+4.0-1.5+5.5

+3.0-1.1+4.2-2.7+5.7

+2.3-1.8+4.1-2.6+4.9

+5.8+2.1+3.6+1.5+4.3

+11.5+4.5+7.0+3.5+8.0

15d

+12.8+8.2+4.6+2.7+10.0

+13.7+11.8+1.9+3.8+9.9

+25.5+15.4+10.1+9.5+16.0

+23.6+10.6+13.1+3.0+20.6

UpDownMarket · Nifty Smallcap 250Sector · Private Sector Bank peers, median of 19Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

City Union Bank reported FY25 total income of Rs. 6,732 crore, up about 12% from Rs. 6,012 crore in FY24. Net profit for the full year stood at Rs. 1,124 crore compared to Rs. 1,016 crore last year, a growth of roughly 11%. For Q4 FY25 alone, net profit was Rs. 286 crore versus Rs. 255 crore in Q4 FY24. Basic EPS improved to Rs. 15.17 (FY25) from Rs. 13.72 (FY24). Asset quality improved with Net NPA at 1.25% (vs 1.42% in FY24), while Gross NPA was 3.99%. Capital adequacy ratio remained strong at 22.26%. The Board has recommended a dividend of Rs. 2 per share (200%) versus 150% in the previous year, subject to shareholder approval.

Likely market impact

The results are positive for shareholders — steady profit growth, improving asset quality, and a higher dividend payout signal financial health. The clean (unmodified) auditor opinion and unchanged business focus on retail/banking segments should support investor confidence, though the investment accounting policy change means prior year numbers are not strictly comparable.