CUB

City Union Bank Limited

Private sector bank offering retail, MSME, gold-loan and corporate banking services

Financial Services›Financial Services›Banks›Private Sector Bank

cityunionbank.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹227.38
Market cap
22,536 Cr
Stock P/E
16.1
P/B
2.13
Dividend yield
0.3%
ROE (FY26)
12.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

CUB (City Union Bank) is a private sector bank in India that lends to small businesses (MSME), against gold and to retail customers, and also serves corporate and wholesale clients, mainly through its own branches.

Company snapshot

13thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 59.1% of revenue

SegmentRevenue shareRevenuePBTAssets
CORPORATE AND WHOLESALE BANKING
22.3%
381 Cr87 Cr14,264 Cr
OTHER BANKING OPERATIONS
1.2%
21 Cr19 Cr0 Cr
OTHER PROVISIONS AND CONTINGENCIES—0 Cr-75 Cr0 Cr
RETAIL BANKING - DIGITAL BANKING
0.0%
0.83 Cr-0.07 Cr0.59 Cr
RETAIL BANKING - OTHER RETAIL BANKING
59.1%
1,009 Cr179 Cr38,165 Cr
TREASURY
17.3%
296 Cr152 Cr18,147 Cr

What we see

Positives
  • ✓Net margin of 16.8% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income538 Cr516 Cr547 Cr545 Cr582 Cr588 Cr600 Cr625 Cr667 Cr752 Cr786 Cr820 Cr
Other income182 Cr193 Cr175 Cr192 Cr226 Cr228 Cr251 Cr244 Cr259 Cr245 Cr290 Cr244 Cr
Net operating income720 Cr709 Cr722 Cr737 Cr809 Cr816 Cr852 Cr869 Cr926 Cr998 Cr1,076 Cr1,064 Cr
Employee cost158 Cr156 Cr168 Cr174 Cr184 Cr179 Cr197 Cr201 Cr224 Cr230 Cr235 Cr235 Cr
Other expenses176 Cr189 Cr202 Cr189 Cr197 Cr202 Cr214 Cr218 Cr231 Cr254 Cr262 Cr248 Cr
Provisions & contingencies56 Cr46 Cr32 Cr39 Cr70 Cr75 Cr78 Cr70 Cr57 Cr96 Cr120 Cr78 Cr
Depreciation————————————
Profit before tax331 Cr318 Cr320 Cr334 Cr358 Cr361 Cr363 Cr381 Cr414 Cr417 Cr460 Cr503 Cr
Tax %15.1%20.4%20.3%20.9%20.4%20.8%20.7%19.7%20.6%20.4%21.8%23.9%
Net profit281 Cr253 Cr255 Cr264 Cr285 Cr286 Cr288 Cr306 Cr329 Cr332 Cr360 Cr383 Cr
EPS (₹)₹3.78₹3.42₹3.44₹3.57₹3.85₹3.86₹3.89₹4.13₹4.43₹4.48₹4.84₹3.86

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income1,199 Cr1,430 Cr1,611 Cr1,675 Cr1,830 Cr1,916 Cr2,163 Cr2,123 Cr2,316 Cr2,830 CrSign in free for the trailing twelve months
Other income484 Cr532 Cr514 Cr680 Cr705 Cr759 Cr810 Cr742 Cr898 Cr1,039 CrSign in free for the trailing twelve months
Net operating income1,683 Cr1,962 Cr2,126 Cr2,355 Cr2,534 Cr2,676 Cr2,973 Cr2,865 Cr3,214 Cr3,869 CrSign in free for the trailing twelve months
Employee cost——364 Cr421 Cr464 Cr504 Cr530 Cr614 Cr733 Cr890 CrSign in free for the trailing twelve months
Other expenses——521 Cr593 Cr587 Cr577 Cr625 Cr735 Cr802 Cr965 CrSign in free for the trailing twelve months
Provisions & contingencies301 Cr418 Cr315 Cr755 Cr791 Cr610 Cr641 Cr286 Cr262 Cr343 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax693 Cr790 Cr925 Cr586 Cr693 Cr985 Cr1,177 Cr1,231 Cr1,417 Cr1,671 CrSign in free for the trailing twelve months
Tax %27.4%25.1%26.2%18.8%14.4%22.8%20.4%17.5%20.7%20.6%Sign in free for the trailing twelve months
Net profit503 Cr592 Cr683 Cr476 Cr593 Cr760 Cr937 Cr1,016 Cr1,124 Cr1,326 CrSign in free for the trailing twelve months
EPS (₹)——₹9.57₹6.48₹8.03₹10.29₹12.67₹13.72₹15.17₹17.88Sign in free for the trailing twelve months
Dividend payout %————0.0%-494.3%-7.9%-7.3%-9.9%-11.1%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital60 Cr66 Cr73 Cr74 Cr74 Cr74 Cr74 Cr74 Cr74 Cr74 Cr
Reserves3,510 Cr4,097 Cr4,767 Cr5,222 Cr5,769 Cr6,512 Cr7,383 Cr8,327 Cr9,393 Cr10,491 Cr
Borrowings531 Cr1,736 Cr481 Cr2,032 Cr1,346 Cr5,312 Cr4,688 Cr4,724 Cr2,169 Cr5,327 Cr
Other liabilities31,170 Cr34,038 Cr39,937 Cr42,405 Cr46,124 Cr49,633 Cr54,449 Cr57,700 Cr65,987 Cr81,133 Cr
Total liabilities35,271 Cr39,937 Cr45,259 Cr49,734 Cr53,312 Cr61,531 Cr66,595 Cr70,826 Cr77,623 Cr97,024 Cr
Fixed assets (net)215 Cr223 Cr250 Cr245 Cr233 Cr215 Cr239 Cr270 Cr322 Cr469 Cr
CWIP——————————
Investments7,031 Cr7,879 Cr7,712 Cr9,117 Cr9,436 Cr12,221 Cr14,333 Cr15,664 Cr17,336 Cr18,987 Cr
Loans & advances23,833 Cr27,853 Cr32,673 Cr33,927 Cr36,158 Cr40,358 Cr43,053 Cr45,526 Cr52,081 Cr65,875 Cr
Cash & bank1,484 Cr1,862 Cr1,993 Cr2,030 Cr2,793 Cr2,965 Cr3,302 Cr4,615 Cr3,875 Cr6,267 Cr
Other assets2,707 Cr2,120 Cr2,630 Cr4,414 Cr4,693 Cr5,771 Cr5,667 Cr4,750 Cr4,009 Cr5,426 Cr
Total assets35,271 Cr39,937 Cr45,259 Cr49,734 Cr53,312 Cr61,531 Cr66,595 Cr70,826 Cr77,623 Cr97,024 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity284 Cr-183 Cr419 Cr1,836 Cr922 Cr1,21,273 Cr726 Cr527 Cr1,625 Cr-11,435 Cr
Cash from investing-50 Cr-61 Cr-87 Cr-60 Cr-38 Cr9,136 Cr126 Cr230 Cr276 Cr14,860 Cr
Cash from financing-4 Cr1 Cr-5 Cr-18 Cr14 Cr-23,222 Cr-852 Cr-463 Cr-3,554 Cr-3,425 Cr
Net cash flow229 Cr-243 Cr327 Cr1,758 Cr893 Cr1,07,187 Cr-38 Cr294 Cr-1,653 Cr3,637 Cr
Free cash flow (OCF − Capex)233 Cr-244 Cr329 Cr1,761 Cr846 Cr1,21,273 Cr726 Cr527 Cr1,625 Cr-11,435 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %14.1%14.2%14.1%9.0%10.1%11.5%12.6%12.1%11.9%12.6%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——977 Cr1,413 Cr1,893 Cr1,933 Cr1,920 Cr1,854 Cr1,638 Cr1,273 Cr
Gross NPA %2.8%3.0%2.9%4.1%5.1%5.1%4.4%4.0%3.1%1.9%
Net NPA——591 Cr778 Cr1,075 Cr1,191 Cr1,018 Cr899 Cr653 Cr449 Cr
Net NPA %1.7%1.7%1.8%2.3%3.0%3.0%2.4%2.0%1.3%0.7%
CET1 %14.1%13.9%13.2%15.8%18.4%19.8%21.3%22.8%22.7%20.8%
Additional Tier 1 %1.3%1.9%15.6%16.8%0.0%0.0%0.0%0.0%0.0%0.0%
ROA %1.5%1.6%1.6%1.0%1.1%1.4%1.5%1.5%1.6%1.6%