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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₹144.75 - ₹239.96
Previous CloseN/A
Volume654.48K
Average Volume (3M)98.23K
Market Cap
₹227.04B
Enterprise Value₹162.60B
Total Cash (Recent Filing)₹89.27B
Total Debt (Recent Filing)₹53.27B
Price to Earnings (P/E)12.8
Beta1.10
Next Earnings
Jul 31, 2026EPS Estimate
4.48Next Dividend Ex-DateN/A
Dividend Yield0.69%
Share Statistics
EPS (TTM)17.88
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)16.14
Revenue Forecast (FY)₹46.13B
Bulls Say, Bears Say
Bulls Say
Sustained Revenue & Net Income GrowthMulti-year top-line and net income expansion reflects durable loan-book growth and successful customer acquisition across retail, MSME and corporate segments. Persistent revenue growth supports net interest income, internal reinvestment and scale advantages that bolster earnings resilience over the medium term.
Strengthening Balance SheetMaterial asset and equity growth with moderate leverage increases the bank's capacity to originate loans and absorb shocks. A stronger capital base and stable returns on equity provide durable buffer for regulatory capital needs and enable measured expansion without immediate reliance on risky external funding.
Consistent Mid-Teen ProfitabilityStable mid-teen net margins indicate effective margin management and cost control across cycles. Sustained profitability supports internal cash generation (when stable), funds provisioning, and retention of earnings to support loan growth and dividend capacity, reinforcing long-term operational stability.
Bears Say
Severe Cash-Flow Swing In 2025A dramatic switch to large negative operating and free cash flow in 2025 points to material working-capital or timing issues. Such swings can constrain the bank's ability to fund loans internally, increase dependence on external funding, and raise the risk of forced liquidity measures if adverse conditions persist.
Inconsistent Free Cash Flow GrowthSharp negative FCF growth undermines predictability of internally generated funds even when a one-year recovery occurs. This inconsistency complicates capital allocation, reduces confidence in sustainable dividend or buyback capacity, and makes multi-quarter planning for loan growth or reserves more uncertain.
Volatile Debt Levels & Limited 2026 Leverage ClarityYear-to-year debt volatility combined with missing up-to-date leverage metrics reduces transparency on funding resilience. In a rising-rate or stressed funding environment, this uncertainty increases refinancing and margin risk, weakening confidence in the bank's ability to maintain a stable funding mix over the medium term.
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 ₹144.75 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 ₹227.04B.
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 20 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 ₹2 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 is 4.48.
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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