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%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking - Other Retail Banking (59%), Corporate and Wholesale Banking (21%), Treasury (19%), Other Banking Operations (1%), Retail Banking - Digital Banking (0%). Private sector, branch-led bank focused on secured MSME and gold-loan lending with a conservative asset-quality track record
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 760 | 937 | 1,016 | 1,124 | 1,326 |
| EPS, as reported (₹) | 10.29 | 12.67 | 13.72 | 15.17 | 17.88 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 1,21,273 | 726 | 527 | 1,625 | (11,435) |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 358 | 361 | 363 | 381 | 414 | 417 | 460 | 503 |
| Net profit | 285 | 286 | 288 | 306 | 329 | 332 | 360 | 383 |
| EPS (₹) | 3.85 | 3.86 | 3.89 | 4.13 | 4.43 | 4.48 | 4.84 | 3.86 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · RBI approves amendments to City Union Bank's MOA and Articles | regulatory legal | medium | — | — |
| 1 Sept 2026 · City Union Bank participates in Elara India Dialogue 2026 | investor communications | low | — | — |
| 27 Aug 2026 · Schedule of Analyst Conference Call - Elara India Dialogue 2026 | board shareholder meetings | low | — | — |
| 24 Aug 2026 · City Union Bank opens 1001st branch in Madurai | business updates | low | — | — |
| 18 Aug 2026 · City Union Bank attended Axis Capital India Corporate Day 2026 in Singapore | investor communications | low | — | — |
| 18 Aug 2026 · AGM results: all 6 resolutions passed, Rs.2 dividend approved | board shareholder meetings | medium | — | — |
| 11 Aug 2026 · CUB to participate in Axis Capital India Corporate Day 2026 in Singapore | board shareholder meetings | low | — | — |
| 10 Aug 2026 · Outcome of analyst conference call with Nirmal Bang | investor communications | low | — | — |
| 5 Aug 2026 · Analyst conference call scheduled on Aug 10, 2026 | board shareholder meetings | low | — | — |
| 1 Aug 2026 · CUB Q1 FY27: Highest-ever PAT of Rs 383 cr, NIM guided at 3.65-3.70% | investor communications | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 12.9 | 12.4 | 11 of 20 | 47% |
| Profit growth | 25.1 | 29.5 | 12 of 20 | 42% |
| Market cap | 22580 | 48154 | 13 of 20 | 37% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
