āagman

City Union Bank Ltd

NSE: CUB
₹229.84
−₹1.11 (−0.48%)
NSE · 21 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹22,529 Cr
CMP
₹229.84
52-wk High / Low
₹324 / 195
P/E
16.1
P/B
2.1
Book Value
₹107.0
Div Yield
0.88%
ROCE
6.7%
ROE
13.0%
Face Value
₹1
D/E
7.92

Price+5.1% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 21 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹185
√(22.5 × EPS × book value per share)
Cash flow to profit
0.60
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
11.2%
ROE × earnings retention ratio
ROE stability
0.4
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
FII −1.26DII +3.15
Latest quarter vs the previous one
Cash-accrual divergence
0.6%
of assets
Low = accruals track cash flow
Strengths
+PE of 16.1x is below the sector median of 19.8x
Watch-outs
−Latest ROCE of 6.7% trails the sector median of 9.1%
−Borrowings are up 701.1% since FY2016 (665 to 5327)
−Price trades below its 200-day moving average (0.9x)
−Annualised volatility of 46.0% is in the high band (≥45%)
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales1,2661,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,8561,985
Expenses452390391402403451455489488512580617561
Operating Profit—————————————
OPM %—————————————
Other Income191182193175192226228251244259245290244
Interest7447668108288438518919329809871,0041,0701,165
Depreciation0000000000000
Profit before tax262331318320334358361363381414417460503
Net Profit227281253255264285286288306329332360383
EPS (₹)2.302.842.562.582.682.892.892.913.103.333.363.633.86

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales2,6992,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,8707,249
Expenses6557369371,1201,1401,6901,7381,6051,7231,5591,7162,0902,270
Operating Profit—————————————
OPM %—————————————
Other Income4154104845325146806897598107428981,0391,039
Interest1,8911,9631,9751,9722,1562,4932,3052,1882,5523,1473,5184,0404,225
Depreciation47525352627987857375821070
Profit before tax5216036937909255866939851,1771,2311,4171,6711,793
Net Profit3954455035926834765937609371,0161,1241,3261,403
EPS (₹)4.104.615.186.076.974.856.027.719.5010.2811.3713.3914.18

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital606060667374747474747474—
Reserves2,6362,9923,5104,0974,7675,2225,7696,5127,3838,3279,39310,491—
Other Liabilities9329291,0541,1861,4891,5731,5861,9442,0512,0442,4612,825—
Total Liabilities27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024—
Fixed Assets210218215223250245233215239270322469—
CWIP000000000000—
Investments5,8716,8267,0317,8797,7129,1179,43612,22114,33315,66417,33618,987—
Other Assets21,79024,76028,02431,83537,29740,37243,64349,09552,02354,89159,96577,569—
Total Assets27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024—
Deposits24,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52678,308—
Borrowing1296655311,7364812,0321,3465,3124,6884,7242,1695,327—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity131248284−1834191,8369221,1667244361,128802
Cash from Investing Activity−64−60−50−61−87−60−38−63−72−106−120−208
Cash from Financing Activity291−75−41−5−1810−31−690−36−2,6623,042
Net Cash Flow357113229−2433271,7588931,072−38294−1,6533,637

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————6.7
ROE %16.015.015.015.015.09.011.012.013.013.013.013.0
EPS (₹)4.104.615.186.076.974.856.027.719.5010.2811.3714.18
Book Value (₹)———————————107.0
Face Value (₹)———————————1
P/E———————————16.1
Div Yield %———————————0.88
NPM %12.713.313.815.016.09.812.315.617.016.916.716.8
OPM %————————————
D/E8.999.128.588.318.048.097.858.057.667.196.947.92
P/B———————————2.1

Growth

As of 18 Oct 2026
Compounded sales growth
10 years+9.0%
5 years+11.0%
3 years+13.0%
TTM+20.0%
Compounded profit growth
10 years+12.0%
5 years+17.0%
3 years+12.0%
TTM+20.0%
Stock price CAGR
10 years+10.0%
5 years+13.0%
3 years+30.0%
Last year+38.0%
Return on equity
10 years13.0%
5 years13.0%
3 years13.0%
Last year13.0%

Shareholding pattern

As of 30 Sep 2026
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters————————————
FIIs26.60%26.95%26.44%26.01%27.44%28.04%27.38%25.96%23.49%23.37%18.65%17.39%
DIIs32.39%29.50%32.55%33.57%33.59%33.07%35.23%36.75%40.23%40.73%44.84%47.99%
Government————————————
Public41.01%43.55%41.00%40.42%38.98%38.90%37.40%37.27%36.26%35.90%36.50%34.61%
No. of shareholders2,16,0192,48,8152,29,9432,34,2222,28,0012,23,5852,10,2982,09,8052,15,4302,07,4952,15,1812,03,678
Change since Dec 2023 (pp)
FIIs −9.21DIIs +15.60Public −6.40

Documents

As of 18 Oct 2026
Announcements
Updation Of Status Of Tax Dispute - Reduction In DemandBoard Meeting Intimation for Consideration And Approval Of Un-Audited Standalone Financial Results Of The Bank For The Quarter And Half Year Ended September 30, 2026.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOpening Of New Branch
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026TranscriptAug 2026PPTAug 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTNov 2025TranscriptNov 2025PPTAug 2025TranscriptAug 2025PPTAug 2025Recording

Corporate actions

As of 31 Jul 2026
31 Jul 2026DIVIDENDDividend - Rs 2 Per Share—
12 Jun 2026BONUSBonus 1:3—
1 Aug 2025DIVIDENDDividend - Rs 2 Per Share—
9 Aug 2024DIVIDENDDividend - Rs 1.50 Per Share—
11 Aug 2023DIVIDENDDividend - Re 1 Per Share—
10 Aug 2022DIVIDENDDividend - Re 1 Per Share—
11 Aug 2021DIVIDEND Annual General Meeting/Dividend - Rs 0.20 Per Share—
4 Jun 2021DIVIDEND Interim Dividend - Rs 0.30 Per Share—
26 Mar 2020DIVIDEND Interim Dividend - Rs 0.50 Per Share—
20 Aug 2019DIVIDEND Annual General Meeting/Dividend - Rs 0.50 Per Share—
23 Aug 2018DIVIDEND Annual General Meeting/Dividend- Re 0.30 Per Share—
10 Jul 2018BONUS Bonus 1:10—
14 Aug 2017DIVIDEND Annual General Meeting/Dividend - Re 0.30 Per Share—
13 Jul 2017BONUS Bonus 1:10—
11 Aug 2016DIVIDEND Annual General Meeting/ Dividend - Re 0.20/- Per Share—
18 Mar 2016DIVIDEND Interim Dividend - Re 1/- Per Share (Purpose Revised)—
14 Aug 2015DIVIDENDAnnual General Meeting/ Dividend - Rs 1.10/- Per Share—
13 Aug 2014DIVIDENDAnnual General Meeting / Dividend - Re 1/- Per Share—
30 May 2013DIVIDENDInterim Dividend @ Re 1/- Per Equity Share—
22 Nov 2012RIGHTSRights 1:4 @ Premium Rs.19/- Per Share—
16 Aug 2012DIVIDENDAnnual General Meeting/Dividend Re.1 Per Share—
12 Aug 2011DIVIDENDDividend-Re.0.85 Per Share—
22 Jul 2010DIVIDENDDividend-Re.0.75 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges.© 2026 āagman