| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 3,103 | 3,354 | 3,658 | 3,935 | 4,282 | 4,849 | 4,824 | 4,864 | 5,525 | 6,012 | 6,732 | 7,001 |
| Expenses | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 1,883 |
| EBITDA | 557 | 655 | 746 | 843 | 986 | 665 | 780 | 1,070 | 1,250 | 1,306 | 1,498 | 1,463 |
| Operating Profit % | 76 % | 75 % | 70 % | 67 % | 70 % | 59 % | 58 % | 61 % | 63 % | 70 % | 71 % | 69 % |
| Depreciation | 47 | 52 | 53 | 53 | 62 | 79 | 88 | 85 | 73 | 75 | 82 | 0 |
| Interest | 1,892 | 1,963 | 1,975 | 1,972 | 2,156 | 2,493 | 2,305 | 2,188 | 2,552 | 3,147 | 3,518 | 3,655 |
| Profit Before Tax | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,178 | 1,231 | 1,417 | 1,463 |
| Tax | 126 | 158 | 190 | 198 | 242 | 110 | 100 | 225 | 240 | 215 | 293 | 298 |
| Net Profit | 395 | 445 | 503 | 592 | 683 | 476 | 593 | 760 | 938 | 1,016 | 1,124 | 1,165 |
| EPS in ₹ | 6.82 | 7.44 | 8.39 | 9.18 | 9.57 | 6.48 | 8.03 | 10.29 | 12.67 | 13.72 | 15.17 | 15.70 |
City Union Bank
City Union Bank
219.29
-1.10
(-0.50%)
Key Fundamentals
Market Cap
16,332.00 Cr
EPS
15.17
PE Ratio
13.93
Dividend Yield
0.91 %
Industry
Banks 52 Week High
232.55
52 Week Low
142.91
PB Ratio
1.71
Debt to Equity
0.00
Sector
Private Bank Analyst Rating and Forecast
- By Refinitiv from22 analysts
Actual
Company News
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City Union Bank has opened a new branch in Ambala Sadar, bringing the bank's total branch count to 890. This expansion represents the bank's continued growth in its branch network across different locations.
City Union Bank opened two new branches on September 26, 2025, located in Pananvayal and Sethupattu in Tamil Nadu. The Pananvayal branch is situated in Sivagangai District, while the Sethupattu branch is in Kancheepuram District. With these additions, the bank's total branch count has reached 889. The bank informed stock exchanges NSE and BSE about this expansion as part of regulatory disclosure requirements.
City Union Bank Expects Credit Growth Boost as GST Rate Cuts Benefit Half of Loan Portfolio
Sep 05, 2025
Sep 05, 2025City Union Bank anticipates improved credit growth in upcoming quarters, with approximately 50% of its loan book positioned in segments expected to benefit from GST rate cuts. Managing Director N Kamakodi stated the bank is assessing policy impact and will present revised growth strategy with quarterly results. The MSME, agriculture, and trading segments, which form a significant portion of the portfolio, are expected to see enhanced demand. The bank projects system-wide credit growth to improve from 10-12% to low teens in FY26. City Union Bank targets maintaining its strategy of achieving 2-3% growth above industry levels, building on decent growth momentum from the first quarter. The MSME segment continues showing steady traction, representing around 40% of the loan book. Management remains confident about sustaining margins despite short-term pressure. The bank's market capitalization stands at ₹14,475 crore, with shares trading at ₹195.58 and gaining 14% over the past year.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,002.55 | #1 15,39,951.70 | 21.00 | #1 4,70,915.90 | 15.42 | #1 73,440 | 9.32 | 70.52 | |
1,436.60 | 10,26,188.70 | 18.15 | 2,94,586.90 | #1 24.81 | 54,419 | 2.96 | 68.34 | |
2,205.80 | 4,38,564.20 | 22.90 | 1,07,095.00 | 13.60 | 21,946 | -39.96 | 74.85 | |
1,200.20 | 3,71,173.60 | 14.25 | 1,55,916.90 | 12.99 | 28,112 | -25.14 | 63.19 | |
91.72 | 98,621.00 | #1 12.42 | 34,058.70 | 12.14 | 7,656 | #1 73.37 | 48.48 | |
22.25 | 69,800.20 | 25.56 | 37,075.60 | 12.48 | 2,447 | 17.24 | 54.03 | |
751.00 | 58,508.60 | 58.03 | 56,358.10 | 2.20 | 2,575 | -132.82 | 51.10 | |
71.88 | 52,750.50 | 44.94 | 43,478.30 | 19.92 | 1,490 | 64.13 | 51.66 | |
212.38 | 52,251.00 | 12.63 | 32,030.20 | 19.60 | 4,202 | -8.27 | 68.38 | |
160.98 | 26,026.90 | 12.63 | 24,914.80 | 18.41 | 2,745 | -65.02 | 45.07 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
11.97 %
Net Income Growth
10.62 %
Cash Flow Change
158.67 %
ROE
-1.82 %
ROCE
2.91 %
EBITDA Margin (Avg.)
0.61 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 |
| Fixed Assets | 210 | 218 | 215 | 223 | 250 | 245 | 233 | 215 | 239 | 270 | 322 |
| Current Assets | 3,825 | 3,703 | 4,192 | 3,982 | 4,623 | 6,444 | 7,485 | 8,737 | 8,969 | 9,366 | 7,884 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 5,871 | 6,827 | 7,032 | 7,879 | 7,712 | 9,117 | 9,436 | 12,221 | 14,333 | 15,664 | 17,336 |
| Other Assets | 21,790 | 24,760 | 28,024 | 31,835 | 37,297 | 40,372 | 43,643 | 49,095 | 52,023 | 54,891 | 59,965 |
| Total Liabilities | 27,871 | 31,804 | 35,271 | 39,937 | 45,259 | 49,734 | 53,312 | 61,531 | 66,595 | 70,826 | 77,623 |
| Current Liabilities | 932 | 929 | 1,054 | 1,186 | 1,489 | 1,573 | 1,586 | 1,944 | 2,051 | 2,044 | 2,461 |
| Non Current Liabilities | 26,939 | 30,875 | 34,217 | 38,752 | 43,770 | 48,161 | 51,726 | 59,587 | 64,543 | 68,782 | 75,162 |
| Total Equity | 2,696 | 3,052 | 3,570 | 4,163 | 4,841 | 5,296 | 5,843 | 6,586 | 7,457 | 8,401 | 9,467 |
| Reserve & Surplus | 2,636 | 2,992 | 3,510 | 4,097 | 4,767 | 5,222 | 5,769 | 6,512 | 7,383 | 8,327 | 9,393 |
| Share Capital | 60 | 60 | 60 | 67 | 74 | 74 | 74 | 74 | 74 | 74 | 74 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 357 | 113 | 229 | -243 | 327 | 1,758 | 893 | 1,072 | -38 | 294 | -1,653 |
| Investing Activities | -64 | -60 | -50 | -61 | -87 | -60 | -38 | -63 | -72 | -106 | -120 |
| Operating Activities | 131 | 249 | 284 | -183 | 419 | 1,836 | 922 | 1,166 | 724 | 436 | 1,128 |
| Financing Activities | 291 | -75 | -4 | 1 | -5 | -18 | 10 | -31 | -690 | -36 | -2,662 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| FIIs | 0.02 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 26.60 % | 26.96 % | 26.44 % | 26.01 % | 27.44 % | 28.03 % | 27.38 % | 25.96 % |
| DIIs | 38.50 % | 41.12 % | 41.43 % | 43.26 % | 40.57 % | 40.99 % | 35.82 % | 37.73 % | 36.19 % | 31.09 % | 31.23 % | 32.40 % | 29.51 % | 32.57 % | 33.57 % | 33.58 % | 33.07 % | 35.23 % | 36.75 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 32.65 % | 31.72 % | 32.07 % | 31.05 % | 31.30 % | 30.98 % | 29.65 % | 29.43 % | 29.65 % | 32.91 % | 34.21 % | 32.18 % | 34.41 % | 32.26 % | 31.65 % | 30.28 % | 30.21 % | 28.85 % | 28.65 % |
| Others | 28.83 % | 27.15 % | 26.50 % | 25.69 % | 28.13 % | 28.03 % | 34.53 % | 32.84 % | 34.15 % | 36.00 % | 34.56 % | 8.83 % | 9.13 % | 8.73 % | 8.78 % | 8.70 % | 8.68 % | 8.54 % | 8.64 % |
| No of Share Holders | 1,41,556 | 1,39,597 | 1,44,606 | 1,48,214 | 1,53,331 | 1,47,999 | 1,35,282 | 1,45,083 | 1,48,027 | 1,84,778 | 2,08,812 | 2,16,019 | 2,48,815 | 2,29,943 | 2,34,222 | 2,28,001 | 2,23,585 | 2,10,298 | 2,09,805 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 1.2 | 0.3 | 0.3 | 0.5 | 0.5 | 0.5 | 1 | 1 | 1.5 | 2 |
| Dividend Yield (%) | 0.96 | 0.19 | 0.15 | 0.39 | 0.32 | 0.39 | 0.82 | 0.74 | 0.95 | 0.91 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 11 Jul 2018 |  Bonus | 1:10 | 10 Jul 2018 | 166.73 | 173.55 |
| 07 Jun 2021 |  Dividend | ₹ 0.30 /share | 04 Jun 2021 | 173.90 | 165.95 |
| 12 Aug 2021 | Dividend | ₹ 0.20 /share | 11 Aug 2021 | 161.85 | 152.00 |
| 11 Aug 2022 | Dividend | ₹ 1.00 /share | 10 Aug 2022 | 126.55 | 176.65 |
| 11 Aug 2023 | Dividend | ₹ 1.00 /share | 11 Aug 2023 | 137.45 | 132.65 |
| 09 Aug 2024 | Dividend | ₹ 1.50 /share | 09 Aug 2024 | 153.10 | 164.12 |
| 22 Aug 2024 |  Annual General Meeting | NA | 22 Aug 2024 | 169.22 | 169.83 |
| 21 Oct 2024 |  Quarterly Result Announcement | NA | 21 Oct 2024 | 153.90 | 154.35 |
| 31 Jan 2025 | Quarterly Result Announcement | NA | 31 Jan 2025 | 171.95 | 173.21 |
| 02 May 2025 | Quarterly Result Announcement | NA | 02 May 2025 | 183.55 | 176.55 |
| 31 Jul 2025 | Quarterly Result Announcement | NA | 31 Jul 2025 | 212.90 | 207.40 |
| 01 Aug 2025 | Dividend | ₹ 2.00 /share | 01 Aug 2025 | 176.55 | 214.28 |
| 13 Aug 2025 | Annual General Meeting | NA | 13 Aug 2025 | 205.90 | 208.68 |
Announcements
Opening Of New Branch3 days ago
3 days agoCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Opening Of Two New BranchesSep 26, 2025
Sep 26, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 02, 2025
Sep 02, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 02, 2025
Sep 02, 2025120Th Foundation Day Celebrations Of The BankSep 02, 2025
Sep 02, 2025Opening Of New BranchAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 21, 2025
Aug 21, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 17, 2025
Aug 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 14, 2025
Aug 14, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 13, 2025
Aug 13, 2025Opening Of Three New BranchesAug 11, 2025
Aug 11, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 05, 2025
Aug 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 31, 2025
Jul 31, 2025Standalone Un Audited Financial Results For Quarter Ended June 30 2025Jul 31, 2025
Jul 31, 2025Board Meeting Outcome for Standalone Un Audited Financial Results For Quarter Ended June 30 2025Jul 31, 2025
Jul 31, 2025Opening Of New BranchJul 31, 2025
Jul 31, 2025Opening Of New BranchesJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 24, 2025
Jul 24, 2025Reg. 34 (1) Annual Report.Jul 22, 2025
Jul 22, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 22, 2025
Jul 22, 2025Opening Of New BranchJul 21, 2025
Jul 21, 2025Board Meeting Intimation for Approval Of Un Audited Standalone Financial ResultsJul 21, 2025
Jul 21, 2025New Branch OpeningJul 07, 2025
Jul 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 05, 2025
Jul 05, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sJun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 23, 2025
Jun 23, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 21, 2025
Jun 21, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 19, 2025
Jun 19, 2025Board Meeting Outcome for Revised OutcomeJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Qualified Institutional PlacementJun 11, 2025
Jun 11, 2025Appointment Of Secretarial AuditorJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Dividend UpdatesJun 11, 2025
Jun 11, 2025Board Meeting Outcome for FIXATION OF AGM DATE AND QIP ISSUE AND RECORD DATE FOR DIVIDENDJun 11, 2025
Jun 11, 2025Board Meeting Intimation for Board Meeting Date June 11 2025Jun 05, 2025
Jun 05, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 28, 2025
May 28, 2025Analyst Conference CallMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 26, 2025
May 26, 2025Opening Of New BranchMay 23, 2025
May 23, 2025Mutual Fund Holdings
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RSI(14)
Neutral 58.35
ATR(14)
Less Volatile 5.76
STOCH(9,6)
Neutral 62.01
STOCH RSI(14)
Neutral 56.66
MACD(12,26)
Bullish 0.41
ADX(14)
Strong Trend 25.70
UO(9)
Bearish 61.52
ROC(12)
Uptrend And Accelerating 2.60
WillR(14)
Overbought -18.73
About City Union Bank
City Union Bank Limited is a private sector scheduled commercial bank primarily operating in South India. It provides a range of banking and financial services including commercial banking and treasury operations. The bank's main focus is lending to MSMEs, retail/wholesale trade, and the agricultural sector. City Union Bank offers various deposit accounts and services such as ATM, mail transfer, and demand drafts. Founded in 1904 as The Kumbakonam Bank Limited, it has expanded its network over the years through organic growth and acquisitions. As of March 31, 2024, the bank has 800 branches and 1,677 ATMs. City Union Bank's total business stood at Rs. 102,138 crore in 2024, with total deposits of Rs. 55,657 crore and a balance sheet size of Rs. 70,826 crore. The bank has recently partnered with Newgen Software Technologies Ltd for digitalizing its retail lending process.
Chairperson NameG Mahalingam
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