City Union Bank Limited (CUB) AI Stock Analysis

• Market Cap: ₹203.08B
• Dividend Yield: 0.73%
• Average Volume (3M): 98.23K
• Price to Earnings (P/E): 16.8
• Beta (1Y): 1.02
• Revenue Growth: 14.95%
• EPS Growth: 14.22%
• Country: IN
• Employees: 7,188
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 4.40
• Shares Outstanding: 742,098,300
• 10 Day Avg. Volume: 69,330
• 30 Day Avg. Volume: 98,235
• PEG Ratio: 1.00
• Price to Book (P/B): 1.26
• Price to Sales (P/S): 1.77
• P/FCF Ratio: -1.72
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹190.00
• Price Target Upside: -30.57% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ₹283.00 ▲(3.42% Upside)

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

Profitability

High profitability indicates efficient cost management and strong operational performance, which can support long-term financial stability and growth.

Balance Sheet Health

A conservative leverage approach with a moderate debt-to-equity ratio enhances financial stability, reducing risk and providing flexibility for future investments.

Revenue Growth

Despite the decline, the bank's ability to maintain a high net profit margin suggests resilience and potential for recovery in revenue growth.

Negative Factors

Cash Flow Challenges

Negative cash flows indicate potential liquidity issues, which can hinder the bank's ability to invest in growth opportunities and meet financial obligations.

Declining Revenue Growth

A sharp decline in revenue growth can signal weakening demand or competitive pressures, impacting long-term growth prospects and market position.

Negative Cash Flow Growth

Negative growth in free cash flow suggests that cash generation is not keeping pace with net income, potentially affecting the bank's ability to fund operations and growth.

City Union Bank Limited Business Overview & Revenue Model

Company Description

City Union Bank Limited (CUB) is a private sector bank based in India, established in 1904. It operates primarily in the banking and financial services sector, offering a wide range of products and services such as retail banking, corporate banking, agricultural banking, and financial inclusion services. CUB serves a diverse clientele, including individuals, small and medium enterprises (SMEs), and larger corporations, providing services like savings and current accounts, loans, fixed deposits, and various digital banking solutions.

How the Company Makes Money

City Union Bank makes money primarily through the interest income generated from its lending activities. The bank offers various types of loans, including personal loans, home loans, vehicle loans, and business loans, charging interest on these products. Additionally, CUB earns revenue through fees and commissions from services such as account maintenance, transaction processing, and wealth management. The bank also generates income from its investment portfolio, which includes government securities and bonds. Significant partnerships with fintech companies and technology providers enhance its digital banking capabilities and customer reach, contributing to overall revenue growth.

City Union Bank Limited Financial Statement Overview

Summary

City Union Bank Limited demonstrates strong profitability and efficient operations, as evidenced by robust margins. However, the sharp decline in revenue growth and negative cash flows pose significant risks. The balance sheet remains stable with moderate leverage, but the cash flow issues need to be addressed to ensure long-term financial health.

Income Statement

City Union Bank Limited has shown strong profitability with a high net profit margin of 38.07% in the latest year, indicating efficient cost management. However, the revenue growth rate has significantly declined by 37% compared to the previous year, which is a concern. The EBIT and EBITDA margins are healthy, reflecting strong operational performance.

Balance Sheet

The bank maintains a moderate debt-to-equity ratio of 0.23, indicating a conservative leverage approach. Return on equity is solid at 11.87%, showcasing effective use of equity. However, the equity ratio is not explicitly calculated, which could provide further insights into financial stability.

Cash Flow

The cash flow situation is challenging, with negative operating and free cash flows in the latest year. The free cash flow to net income ratio is slightly above 1, suggesting that cash generation is not keeping pace with net income. The negative growth in free cash flow is a significant concern.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	70.00B	67.32B	60.12B	55.25B	48.62B	48.21B
Gross Profit	33.46B	32.14B	28.65B	29.73B	26.74B	25.16B
EBITDA	14.63B	14.98B	13.06B	12.50B	10.70B	7.80B
Net Income	11.65B	11.24B	10.16B	9.37B	7.60B	5.93B
Balance Sheet
Total Assets	0.00	776.23B	708.26B	665.95B	615.31B	533.12B
Cash, Cash Equivalents and Short-Term Investments	0.00	52.91B	33.00B	66.49B	66.87B	56.15B
Total Debt	0.00	22.65B	47.24B	46.88B	53.12B	14.61B
Total Liabilities	-94.67B	681.57B	624.24B	591.37B	549.45B	474.69B
Stockholders Equity	94.67B	94.67B	84.01B	74.57B	65.86B	58.42B
Cash Flow
Free Cash Flow	0.00	-69.39B	2.68B	14.15M	10.88B	8.46B
Operating Cash Flow	0.00	-67.41B	4.36B	1.00B	11.66B	9.22B
Investing Cash Flow	0.00	-1.20B	-41.86B	-718.85M	-628.40M	-379.56M
Financing Cash Flow	0.00	52.08B	32.23B	-661.67M	31.22B	37.14B

City Union Bank Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 273.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 273.65 is above the 20-day moving average (MA) of 271.48, above the 50-day MA of 248.17, and above the 200-day MA of 204.36, indicating a bullish trend. The MACD of 4.89 indicates Positive momentum. The RSI at 57.82 is Neutral, neither overbought nor oversold. The STOCH value of 32.14 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KARURVYSYA	76 Outperform	₹237.05B	11.26	―	0.88%	13.61%	16.82%
J&KBANK	75 Outperform	₹112.93B	5.40	―	0.99%	9.52%	1.91%
CUB	69 Neutral	₹203.08B	16.78	―	0.73%	14.95%	14.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PSB	65 Neutral	₹196.26B	16.56	―	0.25%	18.54%	67.80%
RBLBANK	65 Neutral	₹189.75B	34.66	―	0.32%	6.67%	-54.96%

City Union Bank Limited Corporate Events

City Union Bank Releases Q2 FY 2026 Earnings Call Recording

City Union Bank Limited has announced the availability of the audio recording for its Q2 FY 2026 earnings call on its website. This recording pertains to the bank’s standalone un-audited financial results for the quarter and half-year ended September 30, 2025, which were declared on November 3, 2025. The release of this information is part of the bank’s compliance with regulatory requirements, aiming to maintain transparency and keep stakeholders informed about its financial performance.

City Union Bank Reports AGM Voting Results and Financial Statement Adoption

City Union Bank Limited announced the voting results and scrutinizer’s report from its Annual General Meeting held on August 13, 2025. The meeting included the adoption of audited financial statements for the financial year ending March 31, 2025. The results indicate the bank’s compliance with regulatory requirements and reflect shareholder engagement in the bank’s governance processes.