City Union Bank Limited (IN:CUB)
:CUB
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City Union Bank Limited
(CUB)
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Rating:69Neutral
Price Target:
₹254.00
▼(-9.66% Downside)
Action:ReiteratedDate:11/05/25
City Union Bank Limited's stock is supported by strong technical momentum and reasonable valuation. However, financial performance is mixed, with strong profitability offset by declining revenue growth and negative cash flows. The absence of earnings call and corporate events data limits further insights.
Positive Factors
High Profitability / Margins
Sustained 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.
Negative Factors
Negative Operating & Free Cash Flows
Persistent 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.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability / Margins
Sustained 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.
Read all positive factors
City Union Bank Limited (CUB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹187.69B
Dividend Yield0.69%
Average Volume (3M)98.23K
Price to Earnings (P/E)16.2
Beta (1Y)1.11
Revenue Growth14.95%
EPS Growth14.22%
CountryIN
Employees7,188
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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)17.81
Revenue Forecast (FY)₹38.28B
City Union Bank Limited Business Overview & Revenue Model
Company Description
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, cu...
How the Company Makes Money
CUB primarily earns money through (1) interest income and (2) fee and other income. Interest income is generated by lending and investing activities: the bank raises funds mainly through customer deposits and other borrowings, then deploys those f...
City Union Bank Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 72.52B | 67.32B | 60.12B | 55.25B | 48.62B | 48.21B |
| Gross Profit | 25.37B | 32.14B | 28.65B | 29.73B | 26.74B | 25.16B |
| EBITDA | 15.18B | 14.98B | 13.06B | 12.50B | 10.70B | 7.80B |
| Net Income | 12.08B | 11.24B | 10.16B | 9.37B | 7.60B | 5.93B |
Balance Sheet | ||||||
| Total Assets | 844.02B | 776.23B | 708.26B | 665.95B | 615.31B | 533.12B |
| Cash, Cash Equivalents and Short-Term Investments | 48.48B | 52.91B | 33.00B | 66.49B | 66.87B | 56.15B |
| Total Debt | 21.83B | 22.65B | 47.24B | 46.88B | 53.12B | 14.61B |
| Total Liabilities | 744.76B | 681.57B | 624.24B | 591.37B | 549.45B | 474.69B |
| Stockholders Equity | 99.26B | 94.67B | 84.01B | 74.57B | 65.86B | 58.42B |
Cash Flow | ||||||
| Free Cash Flow | -41.95B | -69.39B | 2.68B | 14.15M | 10.88B | 8.46B |
| Operating Cash Flow | -40.39B | -67.41B | 4.36B | 1.00B | 11.66B | 9.22B |
| Investing Cash Flow | -1.13B | -1.20B | -41.86B | -718.85M | -628.40M | -379.56M |
| Financing Cash Flow | 58.14B | 52.08B | 32.23B | -661.67M | 31.22B | 37.14B |
City Union Bank Limited Technical Analysis
Negative
281.15
Price Trends
272.89
Negative
272.29
Negative
240.64
Negative
Market Momentum
-11.62
Positive
36.01
Neutral
40.58
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CUB, the sentiment is Negative. The current price of 281.15 is above the 20-day moving average (MA) of 256.41, above the 50-day MA of 272.89, and above the 200-day MA of 240.64, indicating a bearish trend. The MACD of -11.62 indicates Positive momentum. The RSI at 36.01 is Neutral, neither overbought nor oversold. The STOCH value of 40.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CUB.
City Union Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹275.32B | 9.24 | ― | 0.86% | 13.61% | 16.82% | |
74 Outperform | ₹85.58B | 6.68 | ― | 2.42% | ― | ― | |
71 Outperform | ₹129.99B | 30.11 | ― | 1.03% | 9.52% | 1.91% | |
69 Neutral | ₹187.69B | 16.23 | ― | 0.69% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹162.35B | 14.60 | ― | 0.26% | 18.54% | 67.80% | |
58 Neutral | ₹187.78B | 21.28 | ― | 0.33% | 6.67% | -54.96% |
* Financial Sector Average
IN:CUB
City Union Bank Limited
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65.30%
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City Union Bank Limited Corporate Events
City Union Bank Expands Network to 927 Branches With Two New Openings
Mar 16, 2026
City Union Bank Limited has expanded its physical network by opening two new branches on March 16, 2026, at Vadakaraiyattur in Namakkal district, Tamil Nadu, and at Annapurna in Indore, Madhya Pradesh. With these additions, the bank now operates 9...
City Union Bank Joins Partners to Launch AI Centre of Excellence for Banking
Mar 7, 2026
City Union Bank has signed a quadripartite memorandum of understanding with Centific Global Solutions Inc., SASTRA University and nStore Retech Pvt. Ltd. to establish a Centre of Excellence in Artificial Intelligence for banking. The lender will a...
City Union Bank Seeks Shareholder Nod for Leadership Changes via Postal Ballot
Mar 4, 2026
City Union Bank has initiated a postal ballot process to seek shareholder approval for several key board and executive changes via remote e-voting between March 5 and April 3, 2026. The agenda includes appointing K. Subramanian as an independent d...
City Union Bank Faces Rs 191 Crore GST Demand, Expects No Material Impact
Dec 31, 2025
City Union Bank has disclosed that it received a demand order under the Tamil Nadu Goods and Services Tax (TNGST) Act, 2017 from the Assistant Commissioner of State Tax, Kumbakonam Town Assessment Circle, for the financial year 2021-22. The order ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.