What the business is, and whether it's a good one at a fair price.
Lends primarily to micro, small and medium enterprises (MSMEs) and retail customers, with gold loans forming a major share of its book. Retail banking (other than digital) is the largest revenue segment at 59% of segment revenue (Rs 2,918 cr YTD to Dec-2024), followed by corporate and wholesale banking at 21% (Rs 1,041 cr) and treasury at 18.7% (Rs 926 cr); treasury contributes the highest profit per rupee of revenue at Rs 474 cr EBIT. The bank runs 949 branches across 22 states with 26 offices and around 8,963 employees, and as of Q1 FY27 carried Rs 67,645 cr of advances (+25% YoY) and Rs 79,342 cr of deposits (+21% YoY) at a credit-deposit ratio of 85%. Average CASA stood at Rs 20,062 cr, and the loan book is anchored by MSME (55-60% target share) and gold loans (31-32% of book), with secured retail as an enhancer. The biggest input cost is the interest paid on deposits — cost of deposits was 5.56% in Q1 FY27 — followed by staff and branch operating costs, with cost-to-income at 45.42%. Asset quality improved sharply: gross NPA fell to 1.73% from 2.99% YoY and net NPA to 0.61%, while capital adequacy was strong at 21.73%.
Measured from the filed financials, judged against its Private Sector Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from CITY UNION BANK LTD's filed financials and exchange disclosures
CITY UNION BANK LTD is a Banks company listed on NSE and BSE, trading under the symbol CUB.
Yes. Over the trailing twelve months CITY UNION BANK LTD reported a net profit of ₹1,403 Cr.
Yes. The dividend yield is 0.65% at the current price. It paid out 11% of its profit as dividend in FY26.
No..
On trailing P/E, CITY UNION BANK LTD ranks 11 of 20 in Private Sector Bank — cheaper than 47% of them, against an industry median of 12.4×. This is a position, not a valuation judgement.
On a typical session CITY UNION BANK LTD moves 1.45% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by CITY UNION BANK LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
