| 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 | 7,253 |
| Expenses | 655 | 736 | 937 | 1,120 | 1,140 | 1,690 | 1,738 | 1,605 | 1,723 | 1,559 | 1,716 | 1,944 |
| EBITDA | 557 | 655 | 746 | 843 | 986 | 665 | 780 | 1,070 | 1,250 | 1,306 | 1,498 | 1,519 |
| 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 | 3,790 |
| Profit Before Tax | 521 | 603 | 693 | 790 | 925 | 586 | 693 | 985 | 1,178 | 1,231 | 1,417 | 1,519 |
| Tax | 126 | 158 | 190 | 198 | 242 | 110 | 100 | 225 | 240 | 215 | 293 | 310 |
| Net Profit | 395 | 445 | 503 | 592 | 683 | 476 | 593 | 760 | 938 | 1,016 | 1,124 | 1,209 |
| EPS in ₹ | 6.82 | 7.44 | 8.39 | 9.18 | 9.57 | 6.48 | 8.03 | 10.29 | 12.67 | 13.72 | 15.17 | 16.30 |
City Union Bank
City Union Bank
255.42
+0.54
(0.21%)
Company has added their latest Transcript1 day ago
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Key Fundamentals
Market Cap
18,927.90 Cr
EPS
15.17
PE Ratio
15.64
Dividend Yield
0.78 %
Industry
Banks 52 Week High
264.18
52 Week Low
142.91
PB Ratio
1.90
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 Limited announced its standalone unaudited financial results for the quarter and half year ended September 30, 2025. The bank's Board of Directors approved the results at a meeting held on November 3, 2025. The results have been subject to limited review by the bank's Joint Statutory Central Auditors, who issued an unmodified opinion. The bank allotted 40,760 equity shares during the quarter and 63,108 equity shares during the six months under the employee stock option scheme. The financial statements include detailed segment reporting showing treasury, corporate/wholesale banking, digital banking, and other retail banking operations. The results were prepared in accordance with accounting standards and regulatory requirements including SEBI Listing Regulations and RBI guidelines.
City Union Bank Targets Double-Digit Growth in Advances with SME Focus and Digital Lending Expansion
5 days ago
5 days agoCity Union Bank plans to achieve steady double-digit compound annual growth rate in advances by focusing on SME/MSME lending and implementing a strong digital lending rollout. The bank is emphasizing granular retail deposits as part of its growth strategy. The bank maintains asset quality with gross non-performing assets below 1% while sustaining margin stability.
City Union Bank reported net profit of 3.28 billion rupees compared to 2.85 billion rupees in the same quarter last year. Revenue increased to 16.53 billion rupees from 14.3 billion rupees year-over-year. The bank's asset quality improved with gross non-performing assets declining to 2.42% from 2.99% in the previous quarter, while net non-performing assets decreased to 0.90% from 1.20%. Provisions reduced to 570 million rupees from 700 million rupees quarter-over-quarter.
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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 |
|---|---|---|---|---|---|---|---|---|
982.30 | #1 15,08,847.00 | 20.13 | #1 4,70,915.90 | 15.42 | #1 73,440 | 9.32 | 46.65 | |
1,343.00 | 9,59,328.50 | 16.84 | 2,94,586.90 | #1 24.81 | 54,419 | 2.96 | 41.32 | |
2,088.30 | 4,15,277.80 | 22.37 | 1,07,095.00 | 13.60 | 21,946 | -11.41 | 43.68 | |
1,222.80 | 3,79,395.70 | 14.53 | 1,55,916.90 | 12.99 | 28,112 | -25.14 | 56.49 | |
100.42 | 1,07,975.60 | 11.61 | 34,058.70 | 12.14 | 7,656 | #1 73.37 | 58.25 | |
22.85 | 71,682.40 | 25.41 | 37,075.60 | 12.48 | 2,447 | 17.24 | 56.40 | |
797.25 | 62,111.80 | #1 -81.73 | 56,358.10 | 2.20 | 2,575 | -132.82 | 61.80 | |
81.47 | 59,788.30 | 48.81 | 43,478.30 | 19.92 | 1,490 | 64.13 | 69.39 | |
237.26 | 58,372.10 | 14.43 | 32,030.20 | 19.60 | 4,202 | -8.27 | 78.19 | |
153.71 | 24,762.20 | 20.18 | 24,914.80 | 18.41 | 2,745 | -88.06 | 37.30 |
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 | 0.78 |
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 |
| 03 Nov 2025 | Quarterly Result Announcement | NA | 03 Nov 2025 | 225.60 | 228.67 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
2 days agoVolume Movement Letter2 days ago
2 days agoClarification sought from City Union Bank Ltd2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation5 days ago
5 days agoBoard Meeting Outcome for Standalone Un Audited Financial Results For Q2FY 20265 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Memorandum of Understanding /Agreements8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
10 days agoBoard Meeting Intimation for Board Meeting On November 03 2025Oct 23, 2025
Oct 23, 2025Opening Of New BranchOct 16, 2025
Oct 16, 2025Compliances-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, 2025Mutual Fund Holdings
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Nippon India Small Cap Fund Direct- Growth 
Franklin India Small Cap Fund Direct-Growth 
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Sundaram Focused Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 69.75
ATR(14)
Volatile 9.44
STOCH(9,6)
Neutral 75.53
STOCH RSI(14)
Overbought 85.73
MACD(12,26)
Bullish 2.64
ADX(14)
Strong Trend 42.02
UO(9)
Bearish 64.95
ROC(12)
Uptrend And Accelerating 12.83
WillR(14)
Overbought -18.76
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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