City Union Bank Limited (IN:CUB)
:CUB
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City Union Bank Limited
(CUB)
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Rating:64Neutral
Price Target:
₹275.00
▼(-2.19% Downside)
Action:Reiterated
Date:06/12/26
The score is primarily driven by strong earnings/revenue trends and a solid balance-sheet profile, offset by significant cash-flow volatility (notably the large negative 2025 operating/free cash flow). Technical signals are mixed and valuation appears reasonable, supporting a mid-range overall score.
Positive Factors
Consistent Revenue Growth
Multi-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.
Negative Factors
Operating Cash-Flow Volatility
Large 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Multi-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.
Read all positive factors
City Union Bank Limited (CUB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹196.52B
Dividend Yield0.69%
Average Volume (3M)98.23K
Price to Earnings (P/E)11.1
Beta (1Y)1.09
Revenue Growth17.48%
EPS Growth17.90%
CountryIN
Employees7,188
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
City Union Bank Limited Business Overview & Revenue Model
Company Description
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 s...
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
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 72.52B | 79.09B | 67.32B | 60.12B | 55.25B | 48.62B |
| Gross Profit | 34.05B | 35.26B | 32.14B | 28.65B | 29.73B | 26.74B |
| EBITDA | 15.69B | 17.79B | 14.98B | 13.06B | 12.50B | 10.70B |
| Net Income | 12.08B | 13.26B | 11.24B | 10.16B | 9.37B | 7.60B |
Balance Sheet | ||||||
| Total Assets | 844.02B | 970.24B | 776.23B | 708.26B | 665.95B | 615.31B |
| Cash, Cash Equivalents and Short-Term Investments | 48.48B | 89.27B | 52.91B | 33.00B | 66.49B | 66.87B |
| Total Debt | 21.83B | 53.27B | 22.65B | 47.24B | 46.88B | 53.12B |
| Total Liabilities | 744.76B | 864.60B | 681.57B | 624.24B | 591.37B | 549.45B |
| Stockholders Equity | 99.26B | 105.65B | 94.67B | 84.01B | 74.57B | 65.86B |
Cash Flow | ||||||
| Free Cash Flow | -41.95B | 12.69B | -69.39B | 2.68B | 14.15M | 10.88B |
| Operating Cash Flow | -40.39B | 16.22B | -67.41B | 4.36B | 1.00B | 11.66B |
| Investing Cash Flow | -1.13B | -158.09B | -1.20B | -41.86B | -718.85M | -628.40M |
| Financing Cash Flow | 58.14B | 178.24B | 52.08B | 32.23B | -661.67M | 31.22B |
City Union Bank Limited Technical Analysis
Positive
281.15
Price Trends
193.42
Positive
197.80
Positive
190.78
Positive
Market Momentum
2.26
Negative
55.95
Neutral
75.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CUB, the sentiment is Positive. The current price of 281.15 is above the 20-day moving average (MA) of 191.71, above the 50-day MA of 193.42, and above the 200-day MA of 190.78, indicating a bullish trend. The MACD of 2.26 indicates Negative momentum. The RSI at 55.95 is Neutral, neither overbought nor oversold. The STOCH value of 75.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹286.62B | 11.43 | ― | 0.86% | 14.35% | 29.25% | |
69 Neutral | ₹105.06B | 8.01 | ― | 2.42% | 0.37% | 2.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹196.52B | 11.11 | ― | 0.69% | 17.48% | 17.90% | |
61 Neutral | ₹228.44B | 25.93 | ― | 0.33% | 3.62% | 21.30% | |
56 Neutral | ₹178.52B | 13.60 | ― | 0.26% | 5.44% | 24.12% | |
51 Neutral | ₹179.38B | 7.60 | ― | 1.03% | 3.05% | 13.33% |
* Financial Sector Average
IN:CUB
City Union Bank Limited
196.40
54.52
38.43%
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City Union Bank Limited Corporate Events
City Union Bank Discloses Participation in Axis Capital Rising Stars Conference 2026
Jun 1, 2026
City Union Bank Limited has notified the stock exchanges that it participated in the Axis Capital Rising Stars Conference 2026 held in Mumbai on June 1, 2026. The disclosure, made under SEBI listing regulations and following an earlier intimation,...
City Union Bank Shareholders Clear Independent Director Appointment and Bonus Issue
May 31, 2026
City Union Bank Limited has announced that its shareholders have approved, via postal ballot and remote e-voting, the appointment of R. Mohan as an independent director on the bank’s board through a special resolution. The bank’s membe...
City Union Bank MD & CEO Dr. N. Kamakodi Steps Down After 15-Year Tenure
Apr 30, 2026
City Union Bank Limited has announced that Managing Director and CEO Dr. N. Kamakodi has demitted office effective close of business on April 30, 2026. His exit follows the completion of a 15-year tenure, in line with the Reserve Bank of IndiaR...
City Union Bank Posts FY 2026 Earnings Call Audio on Website
Apr 28, 2026
City Union Bank has notified the stock exchanges that it has uploaded the audio recording of its earnings call for the quarter and financial year ended March 31, 2026, on its official website. The disclosure, made under SEBI’s listing regula...
City Union Bank Releases FY26 Investor Presentation on Audited Standalone Results
Apr 27, 2026
City Union Bank Limited has released an investor presentation detailing its standalone audited financial results for the fourth quarter and full financial year ended March 31, 2026. The disclosure, made under SEBI’s listing obligations frame...
City Union Bank posts double-digit profit growth for Q4 and FY26
Apr 27, 2026
City Union Bank Limited reported strong financial performance for the quarter and full year ended March 31, 2026, reflecting robust growth in core banking operations. For Q4 FY26, total income rose 20% year-on-year to ₹2,146 crore, driven by...
City Union Bank Brings Back Veteran R Mohan as Independent Director
Apr 27, 2026
City Union Bank has reshaped its board composition by co-opting veteran banker R Mohan as an Additional Director in the category of Independent Director, effective April 27, 2026, pending shareholder approval within three months. Mohan, a 71-year-...
City Union Bank Moves to Raise Authorised Share Capital for Future Growth
Apr 27, 2026
City Union Bank’s board has approved amendments to its Memorandum and Articles of Association to increase the bank’s authorised share capital to Rs. 200 crore, divided into 200 crore equity shares of Re. 1 each. The move is designed to...
City Union Bank Adds Four Branches, Takes Network to 953
Apr 16, 2026
City Union Bank Limited has expanded its branch network by opening four new branches on 16 April 2026 in Kakkanad in Kerala, Thakurpukur and Shakespeare Sarani in Kolkata, West Bengal, and Srikalahasti in Tirupati district, Andhra Pradesh. With th...
City Union Bank Expands Network to 956 Branches With Six New Openings
Apr 13, 2026
City Union Bank Limited has expanded its physical network by opening six new branches on April 13, 2026, in Kerala, Madhya Pradesh, Telangana, and Gujarat. With these additions, the bank now operates a total of 956 branches, underscoring its strat...
City Union Bank Allots Shares Under ESOP to MD & CEO
Apr 11, 2026
City Union Bank has allotted 43,166 equity shares following the exercise of stock options by its Managing Director and CEO, Dr. N. Kamakodi, under the bank’s 2017 Employee Stock Option Scheme, Part B. The allotment, approved by the Nominatio...
City Union Bank Shareholders Clear Board Appointments and CEO Transition via Postal Ballot
Apr 6, 2026
City Union Bank Limited has announced the results of a postal ballot conducted via remote e-voting, confirming that all resolutions placed before shareholders were passed with the requisite majority. The process complied with SEBI listing regulati...
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...
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.