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City Union Bank (CUB) had a P/E of 13.8× on 6 Nov 2026, and the shares are 12% below their 52-week high. It earns ROE of 14%, and net profit grew 12% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.94× book value and its dividend yield is 0.9%. It is a small-cap company with a market cap of ₹21,748 Cr, ranked 25th of 41 Banks (Regional) companies by market cap; the shares rose 13% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹218.10
Day high
₹222.99
Day low
₹215.18
Prev. close
₹218.60
Volume
28 L

Health check

3 good · 2 fair · 1 to check
  • ReturnsAhead

    +12.7% over a year, better than 6 of 7 peers.

  • Price tagIn line

    P/B 1.94 vs peer median 1.78.

  • GrowthSlow

    Profit +12.3% a year over 3 years.

  • ProfitabilityAverage

    ROE 14.1% vs peer median 14.7%.

  • Balance sheetSolid

    Return on assets 1.59%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹21,748 Cr, #25 of 41 in its industry by size.

Defensive

Beta 0.35 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹3,947 Cr · profit ₹1,490 Cr
Market cap
₹21,748 Cr
Small cap
P/E
13.8
Industry 9.2
Price to book
1.94
Peers 1.78
Dividend yield
0.91%
ROE
14.1%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹15.92
Face value ₹1
OPM (TTM)
49.0%
Net margin 37.8%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+26.7%
Latest quarter vs a year ago
Price to sales
5.51

Strengths and risks

Strengths

  • Quarterly profit up 26.7% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About City Union Bank

City Union Bank Limited provides various banking products and services in India. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, staff salary, and resident foreign currency accounts; fixed, recurring, flexifix, desire, and income tax saver deposits; personal, gold, agricultural, consumer, home/housing, property, education, working capital,…

Headquarters
Kumbakonam
Employees
8,894
Sector
Financial Services
ISIN
INE491A01021
Website
cityunionbank.bank.in

Price range

52 weeks

₹169.84₹248.85

Today

₹215.18₹222.99
Avg volume (3M)
27.7 L
1-year return
plus 12.7%
From 52-week high
minus 11.8%

Analyst consensus

23 analysts
BuyMean target ₹261.57 plus 19.2%

Target range, with today’s price

Low ₹190.00High ₹300.00

Consensus from Yahoo Finance. Not a recommendation.

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
CUBCity Union Bank219.50plus 0.41%21,74813.81.9414.1%1.6%12.3%0.91%plus 12.7%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26Sep 26
–9269981,0761,0641,223
–9871,0041,0701,1651,219
381–417460503541
19.7%–20.4%21.8%23.9%23.1%
306–332360383416
–3.313.353.623.854.19

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+12.3%
EPS CAGR 3Y
+12.4%
ROE
14.1%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,9732,8653,2143,865
–minus 3.6%+12.2%+20.3%
2,5523,1473,5184,040
72.975.481.6107
0.1003.7
1,1771,2311,4171,671
20.4%17.5%20.7%20.6%
9371,0161,1241,326
–+8.3%+10.6%+18.0%
9.4310.2111.3013.37

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
7474.174.174.3
7,3838,3279,39310,491
4,6883,3721,7904,827
54,44959,05266,36681,633
66,59570,82677,62397,024
239270322469
14,33315,66417,33618,987
6,6496,9445,2918,927
45,37347,94854,67468,642
66,59570,82677,62397,024

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
7244361,128802
−71.9−106−120−208
−690−35.5−2,6623,042
−37.7294−1,6533,637
−99−168−198−353
625268931450
−74.2−74.1−111−148

Shareholding pattern

Source: NSE filings
0.0%
promoters
  • Public100.00%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 20260.00%100.00%0.00
30 Jun 20260.00%100.00%0.00
31 Mar 20260.00%100.00%0.00
31 Dec 20250.00%100.00%0.00
30 Sep 20250.00%100.00%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you