City Union Bank Limited (IN:CUB)
:CUB
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₹147.00 - ₹319.95
Previous CloseN/A
Volume654.48K
Average Volume (3M)98.23K
Market Cap
₹178.26B
Enterprise Value₹151.57B
Total Cash (Recent Filing)₹48.48B
Total Debt (Recent Filing)₹21.83B
Price to Earnings (P/E)16.2
Beta1.09
Next Earnings
May 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.69%
Share Statistics
EPS (TTM)4.50
Shares Outstanding743,047,240
10 Day Avg. Volume69,330
30 Day Avg. Volume98,235
Financial Highlights & Ratios
PEG Ratio1.00
Price to Book (P/B)1.26
Price to Sales (P/S)1.77
P/FCF Ratio-1.72
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)20.74
Revenue Forecast (FY)₹44.77B
Bulls Say, Bears Say
Bulls Say
High Profitability / MarginsSustained high net profit and healthy operating margins indicate efficient cost control and pricing power in core lending and fee businesses. Durable profitability provides internal capital to absorb credit shocks, support regulatory capital and fund selective growth over the next several quarters.
Conservative Leverage & Solid ROEA low debt-to-equity ratio and mid-teens ROE reflect a conservative funding posture and effective equity utilization. This balance sheet conservatism supports creditworthiness, limits refinancing risk, and allows measured balance sheet expansion without high leverage vulnerability over a multi-month horizon.
Diversified Banking Revenue ModelA business model combining recurring net interest income from retail/MSME/corporate lending with fee income from transaction and service offerings spreads revenue risk. This structural diversification supports steadier earnings through cycles and provides multiple levers to grow NII and non‑interest income over time.
Bears Say
Negative Operating & Free Cash FlowsPersistent negative operating and free cash flow weakens the bank's internal funding capacity and constrains capital deployment for lending or technology. Over several months this pressure can force higher dependence on external funding, limit dividend flexibility, or raise cost of funding during stress.
Sharp Decline In Revenue GrowthA material slowdown in top-line growth reduces the runway for margin expansion and loan book scaling. If sustained, weaker revenue momentum can compress future net interest income and fee generation, requiring deeper operational or strategic adjustments to maintain profit levels over the medium term.
NII Sensitivity To Funding & Asset MixReliance on NII makes earnings sensitive to changes in deposit costs, borrowing rates and asset yields. Structural shifts in funding mix or slower loan growth can compress margins sustainably, exposing profitability to macro or competitive funding pressures across the next few quarters.
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 ₹147.00 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 ₹178.26B.
When is City Union Bank Limited’s upcoming earnings report date?
City Union Bank Limited’s upcoming earnings report date is May 22, 2026 which is in 50 days.
How were City Union Bank Limited’s earnings last quarter?
City Union Bank Limited released its earnings results on Feb 02, 2026. The company reported ₹4.5 earnings per share for the quarter, missing the consensus estimate of ₹4.725 by -₹0.225.
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?
City Union Bank Limited reported an EPS of ₹4.5 in its last earnings report, missing expectations of ₹4.725. Following the earnings report the stock price went down -6.612%.
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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