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₹172.00 - ₹319.95
Previous CloseN/A
Volume654.48K
Average Volume (3M)98.23K
Market Cap
₹206.06B
Enterprise Value₹170.10B
Total Cash (Recent Filing)₹48.48B
Total Debt (Recent Filing)₹21.83B
Price to Earnings (P/E)13.4
Beta1.03
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.69%
Share Statistics
EPS (TTM)N/A
Shares Outstanding743,047,240
10 Day Avg. Volume69,330
30 Day Avg. Volume98,235
Financial Highlights & Ratios
PEG Ratio0.75
Price to Book (P/B)1.68
Price to Sales (P/S)2.25
P/FCF Ratio14.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹335.00Price Target Upside19.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue And Earnings GrowthCity Union Bank has delivered multi-year revenue and net income growth with mid-teens net margins. This sustained earnings expansion indicates durable demand for loan products and efficient cost control, supporting long-term profitability and internal funding for growth initiatives.
Growing, Moderate-leverage Balance SheetMaterial asset and equity growth with moderate reported leverage enhances the bank's capacity to scale lending and absorb losses. A stronger capital base and stable ROE around 11–13% provide structural support for funding customer growth and meeting regulatory capital needs over the medium term.
Deposit-driven Funding And Diversified Income MixA deposit-heavy funding model underpins net interest income while fee and other income provide secondary diversification. A stable deposit franchise reduces wholesale funding reliance and, over time, supports NII stability and resilience to episodic funding stress or market dislocations.
Bears Say
Volatile Cash Generation And Cash ConversionLarge swings from strong operating cash to deeply negative OCF/FCF in 2025 signal inconsistent cash conversion driven by working-capital or timing effects. Such volatility impairs predictability of internally generated funding for lending, dividends or capital needs over the medium term.
Volatile Debt Levels And Limited Latest Leverage ClarityErratic debt patterns increase funding and refinancing risk if market conditions tighten. The absence of clear 2026 leverage metrics reduces transparency on the current risk buffer, making it harder to assess capital adequacy and resilience to interest-rate or liquidity shocks.
High Reliance On Interest Income; NII SensitivityDependence on interest income makes earnings sensitive to margin compression from rate shifts, deposit competition, or asset-yield pressure. While fee income helps, pronounced reliance on NII elevates structural exposure to competitive and macro rate dynamics that can erode margins over months to years.
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 ₹172.00 and its highest was ₹319.95 in the past 12 months.
What is City Union Bank Limited’s market cap?
City Union Bank Limited’s market cap is ₹206.06B.
When is City Union Bank Limited’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were City Union Bank Limited’s earnings last quarter?
Currently, no data Available
Is City Union Bank Limited overvalued?
According to Wall Street analysts City Union Bank Limited’s price is currently Undervalued.
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 for its next earnings report is not yet available.
How many shares outstanding does City Union Bank Limited have?
City Union Bank Limited has 743,047,240 shares outstanding.
What happened to City Union Bank Limited’s price movement after its last earnings report?
Currently, no data Available
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 provides various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. It offers savings, current, and salary accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, personal and agricultural gold, working capital, easy business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. As of March 31, 2022, it operated through a network of 727 branches; 1,732 ATMs, including 789 bulk note recycler machines; 610 passbook kiosks; and 589 cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.
CUB Stock 12 Month Forecast
Average Price Target
₹335.00
▲(19.15% Upside)
Technical Analysis
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