City Union Bank Limited (IN:CUB)
:CUB
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CUB Stock Chart & Stats
₹281.15
-₹0.46(-0.27%)
At close: 4:00 PM EST
₹281.15
-₹0.46(-0.27%)
Day’s Range― - ―
52-Week Range₹140.29 - ₹239.96
Previous CloseN/A
Volume654.48K
Average Volume (3M)98.23K
Market Cap
₹203.46B
Enterprise Value₹162.60B
Total Cash (Recent Filing)₹48.48B
Total Debt (Recent Filing)₹21.83B
Price to Earnings (P/E)11.2
Beta1.11
Next Earnings
Jul 31, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.69%
Share Statistics
EPS (TTM)16.31
Shares Outstanding990,787,230
10 Day Avg. Volume69,330
30 Day Avg. Volume98,235
Financial Highlights & Ratios
PEG Ratio0.56
Price to Book (P/B)1.26
Price to Sales (P/S)1.69
P/FCF Ratio10.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)16.04
Revenue Forecast (FY)₹46.16B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthMulti-year top-line expansion indicates durable demand across lending and fee businesses, supporting scale economics. Consistent revenue growth bolsters capacity to invest in branches and digital channels, underpins net interest income, and reduces reliance on one-off gains for earnings continuity.
Sustained ProfitabilityMid-teen net margins through multiple years suggest resilient product pricing and controlled operating costs. This margin durability supports return on equity and provides cushion against cyclical credit losses, enabling reinvestment and dividend capacity while preserving long-term earnings stability.
Strong Balance-Sheet GrowthMeaningful asset and equity accumulation expands lending capacity and regulatory buffers. A larger capital base improves resilience to shocks, supports higher credit growth and market share gains, and gives management flexibility to fund expansion without immediate dependence on external capital markets.
Bears Say
Operating Cash-Flow VolatilityLarge swings in operating cash flow indicate inconsistent cash conversion and potential working-capital stress. Such volatility can constrain capital allocation, force reliance on short-term funding in down years, and raise cyclical earnings risk even if accounting profits remain steady.
Free Cash-Flow InstabilityDeep negative free cash flow in a recent year undermines confidence in sustainable internal funding for growth and dividends. Persistent FCF swings can necessitate higher borrowing or deposit repricing, elevating funding costs and limiting strategic investments over the medium term.
Year-to-Year Debt Volatility & Disclosure GapVolatile debt raises funding and refinancing risk if market conditions tighten; absence of up-to-date leverage ratios reduces transparency for assessing solvency. This uncertainty impairs risk assessment and could prompt conservative funding actions, restraining long-term growth flexibility.
City Union Bank Limited News
CUB FAQ
What was City Union Bank Limited’s price range in the past 12 months?
City Union Bank Limited lowest stock price was ₹140.29 and its highest was ₹239.96 in the past 12 months.
What is City Union Bank Limited’s market cap?
City Union Bank Limited’s market cap is ₹203.46B.
When is City Union Bank Limited’s upcoming earnings report date?
City Union Bank Limited’s upcoming earnings report date is Jul 31, 2026 which is in 43 days.
How were City Union Bank Limited’s earnings last quarter?
City Union Bank Limited released its earnings results on Apr 27, 2026. The company reported ₹3.6 earnings per share for the quarter, missing the consensus estimate of ₹3.619 by -₹0.019.
Is City Union Bank Limited overvalued?
According to Wall Street analysts City Union Bank Limited’s price is currently Overvalued.
Does City Union Bank Limited pay dividends?
City Union Bank Limited pays a Annually dividend of ₹1.5 which represents an annual dividend yield of 0.69%. See more information on City Union Bank Limited dividends here
What is City Union Bank Limited’s EPS estimate?
City Union Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does City Union Bank Limited have?
City Union Bank Limited has 990,787,230 shares outstanding.
What happened to City Union Bank Limited’s price movement after its last earnings report?
City Union Bank Limited reported an EPS of ₹3.6 in its last earnings report, missing expectations of ₹3.619. Following the earnings report the stock price went up 3.273%.
Which hedge fund is a major shareholder of City Union Bank Limited?
Currently, no hedge funds are holding shares in IN:CUB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
City Union Bank Limited
City Union Bank Limited (CUB.NS) is an Indian financial institution that delivers a broad spectrum of banking products and services to individual and corporate clients nationwide. The bank's operations are strategically divided into four primary segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. Its offerings include a variety of deposit accounts such as savings, current, and salary options, alongside diverse fixed, flexible, recurring, and tax-saving deposits, complemented by specialized non-resident Indian (NRI) banking solutions. CUB provides an extensive suite of lending products, encompassing consumer, two and four-wheeler, home, educational, personal, and agricultural gold loans, as well as working capital, easy business, foreign currency, agricultural term, and small road transport operator loans. Additionally, it offers credit facilities like cash credits, bank guarantees, letters of credit, bills finance, and gold-based overdrafts. The bank also supports international commerce through services such as export and import financing, remittances, correspondent banking, and treasury risk management. Beyond traditional banking, City Union Bank offers essential auxiliary services, including safe deposit lockers, a widespread network of automated teller machines (ATMs) and bulk note recyclers, cash deposit machines, point-of-sale (POS) terminals, dematerialized (demat) accounts, and insurance products. Customers can also access debit, prepaid, and credit cards. Furthermore, the bank utilizes technology to provide modern banking solutions like cash management, government payment processing, National Electronic Fund Transfer (NEFT), Immediate Payment Service (IMPS), Real Time Gross Settlement (RTGS), National Automated Clearing House (NACH), and various other digital services. As of March 31, 2022, City Union Bank boasted a substantial physical presence with 727 branches, 1,732 ATMs (including 789 bulk note recycler machines), 610 passbook kiosks, and 589 cheque deposit kiosks. Founded in 1904, the bank was initially known as The Kumbakonam City Union Bank Limited until its rebranding to City Union Bank Limited in November 1987, maintaining its base in Kumbakonam, India.
Technical Analysis
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