CUB
City Union Bank Limited (CUB) Stock Analysis
City Union Bank Limited is an old private-sector Indian bank based in Tamil Nadu. It provides banking services to retail, agriculture, and SME customers in south India. Strong regional relationships and steady lending underpin its franchise. The bank is listed on Indian stock exchanges and is headquartered in India.
Financial Services › Banks - Regional
₹231.80
+2.37% 1W | +46.00% 52W
Market Cap
23.0k CR
P/E Ratio
16.4
52W High
₹248.8
52W Low
₹152.1
Div. Yield
0.88%
Beta
0.4
50 DMA
₹222.1
200 DMA
₹206.5
Profit Margin
37.8%
Inst. Own.
55.4%
🔥 APPROACHING RESISTANCE
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,266 | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 | 1,653 | 1,756 | 1,856 | 1,985 |
| Interest | 744 | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 | 987 | 1,004 | 1,070 | 1,165 |
| Expenses | 452 | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 | 512 | 580 | 617 | 561 |
| Financing Profit | 71 | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 | 154 | 172 | 169 | 259 |
| Financing Margin % | 6% | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% | 9% | 10% | 9% | 13% |
| Other Income | 191 | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 | 259 | 245 | 290 | 244 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 262 | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 | 414 | 417 | 460 | 503 |
| Tax % | 13% | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% | 21% | 20% | 22% | 24% |
| Net Profit | 227 | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 | 329 | 332 | 360 | 383 |
| EPS in Rs | 2.30 | 2.84 | 2.56 | 2.58 | 2.68 | 2.89 | 2.89 | 2.91 | 3.10 | 3.33 | 3.36 | 3.63 | 3.86 |
| Gross NPA % | 4.91% | 4.66% | 4.47% | 3.99% | 3.88% | 3.54% | 3.36% | 3.09% | 2.99% | 2.42% | 2.17% | 1.91% | 1.73% |
| Net NPA % | 2.51% | 2.34% | 2.19% | 1.97% | 1.87% | 1.62% | 1.42% | 1.25% | 1.20% | 0.90% | 0.78% | 0.68% | 0.61% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,699 | 2,944 | 3,174 | 3,402 | 3,767 | 4,169 | 4,135 | 4,105 | 4,714 | 5,271 | 5,834 | 6,870 | 7,249 |
| Interest | 1,891 | 1,963 | 1,975 | 1,972 | 2,156 | 2,493 | 2,305 | 2,188 | 2,552 | 3,147 | 3,518 | 4,040 | 4,225 |
| Expenses | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 2,090 | 2,270 |
| Financing Profit | 153 | 245 | 262 | 310 | 472 | -15 | 92 | 311 | 440 | 564 | 600 | 740 | 754 |
| Financing Margin % | 6% | 8% | 8% | 9% | 13% | -0% | 2% | 8% | 9% | 11% | 10% | 11% | 10% |
| Other Income | 415 | 410 | 484 | 532 | 514 | 680 | 689 | 759 | 810 | 742 | 898 | 1,039 | 1,039 |
| Depreciation | 47 | 52 | 53 | 52 | 62 | 79 | 87 | 85 | 73 | 75 | 82 | 107 | 0 |
| Profit before tax | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,177 | 1,231 | 1,417 | 1,671 | 1,793 |
| Tax % | 24% | 26% | 27% | 25% | 26% | 19% | 14% | 23% | 20% | 17% | 21% | 21% | |
| Net Profit | 395 | 445 | 503 | 592 | 683 | 476 | 593 | 760 | 937 | 1,016 | 1,124 | 1,326 | 1,403 |
| EPS in Rs | 4.10 | 4.61 | 5.18 | 6.07 | 6.97 | 4.85 | 6.02 | 7.71 | 9.50 | 10.28 | 11.37 | 13.39 | 14.18 |
| Dividend Payout % | 17% | 16% | 4% | 3% | 5% | 8% | 6% | 10% | 8% | 11% | 13% | 11% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 13.0% | 11.0% | 9.0% |
| Profit CAGR | 12.0% | 17.0% | 12.0% |
Shareholding Pattern
FIIs27.38%
DIIs35.23%
Public37.40%
FIIs25.96%
DIIs36.75%
Public37.27%
FIIs23.49%
DIIs40.23%
Public36.26%
FIIs23.37%
DIIs40.73%
Public35.90%
FIIs18.65%
DIIs44.84%
Public36.50%
FIIs24.95%
DIIs36.18%
Public38.85%
FIIs26.95%
DIIs29.50%
Public43.55%
FIIs28.04%
DIIs33.07%
Public38.90%
FIIs23.37%
DIIs40.73%
Public35.90%
FIIs18.65%
DIIs44.84%
Public36.50%
CUB
Holdings Analysis
Key strengths & risk signals
77
Overall
70
Fundamental
84
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 41.54% public ownership - higher volatility risk.
Strengths (4)
EXCELLENT EFFICIENCY! 37.6% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (205.8) is above 200-day average (201.8) - positive signal.
EXCELLENT YEAR! Stock gained 55.4% in the last year.
STRONG! Trading at 83.5% of 52W range - near yearly highs.
Fundamental & Technical Analysis
77Overall
70Fundamental
84Technical
Fundamental Breakdown
Growth Quality
24/30
Revenue CAGR: 11.0% (GOOD, 11/15). Profit CAGR: 17.0% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 37.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.95 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.9% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.19 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 41.54% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (205.8) is above 200-day average (201.8) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (228.9) is above both moving averages.
Trend Pattern
14/20
Current trend: CONSOLIDATING UP
52W Performance
10/10
EXCELLENT YEAR! Stock gained 55.4% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 3,979,332 vs down days: 2,653,922. Ratio: 1.5x
RSI
3/5
NEUTRAL! RSI at 58.3 - balanced momentum.
52W Range
5/5
STRONG! Trading at 83.5% of 52W range - near yearly highs.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 2.4% (1 week), 13.6% (1 month), 13.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
CUB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-01 | Concall PDF | |
| Q4FY262026-05-04 | Concall PDF | |
| Q3FY262026-02-07 | Concall PDF | |
| Q2FY262025-11-07 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CUB | ₹231.80 | 16.4 | 37.8% | 9.1% | 12.3% | +46.0% | 77 | APPROACHING RESISTANCE | +25.1% | +6.4% | +22.4% | -1.2% |
| CENTRALBK | ₹30.40 | 6 | 27.8% | 9.3% | 39.2% | -19.3% | 69 | HIT RESISTANCE | +3.2% | +77.4% | -4.9% | -5.1% |
| BANDHANBNK | ₹171.50 | 20.5 | 13.6% | 5.0% | -17.7% | +3.3% | 64 | BREAKOUT | +34.9% | -6.1% | +1.2% | -1.2% |
| UCOBANK | ₹23.60 | 10.5 | 21.5% | 7.8% | 14.9% | -21.9% | 63 | CONSOLIDATION | +8.1% | -18.1% | +2.2% | +11.7% |
| KARURVYSYA | ₹331.50 | 11.7 | 41.3% | 18.7% | 31.4% | +52.9% | 77 | BREAKDOWN | +44.9% | +4.2% | +22.1% | -5.6% |
| IOB | ₹32.10 | 10.9 | 36.6% | 14.2% | 37.1% | -20.2% | 67 | APPROACHING SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| MAHABANK | ₹80.80 | 8.3 | 53.4% | 15.6% | 39.1% | +40.1% | 80 | CONSOLIDATION | +34.5% | -1.1% | +16.6% | +3.4% |
| RBLBANK | ₹404.10 | 33.3 | 11.1% | 12.2% | -1.5% | +49.0% | 69 | BREAKOUT | +9.3% | -4.2% | +1.0% | -6.0% |
Data from TradeAlone · Updated daily
CUB News
City Union Bank Limited (CUB) eases after clearing resistance, down 5% intraday2026-07-30City Union Bank Limited (CUB) eases after clearing resistance, down 5% intraday2026-07-29City Union Bank Limited (CUB) Q1 FY27: Net Profit Up 25%, Deposits Grow 21%2026-07-28City Union Bank Limited (NSE: CUB) gains 8% intraday, nears resistance2026-07-28
