City Union Bank

147.51
+1.11
(0.76%)
Market Cap
10,930.28 Cr
EPS
13.72
PE Ratio
9.93
Dividend Yield
1.03 %
Industry
Banks
52 Week High
187.90
52 Week low
125.40
PB Ratio
1.22
Debt to Equity
0.00
Add Ratio

Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from20 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy95.00 %
95.00 %
Hold0.0 %
0.0 %
Sell5.00 %
5.00 %

Company News

View All News
Caret
neutral
City Union Bank: Asset Quality Improves Amid Expansion and Challenges2 days ago
City Union Bank's shares fell 11% in the past month due to higher provisioning and margin pressure. However, the bank shows improvement in loan book growth and asset quality. GNPA ratio decreased to 3.4% in Q3 FY2025 from 4.5% a year ago. The bank is expanding beyond Tamil Nadu and focusing on MSME and agriculture loans. Icra revised the bank's outlook to 'positive' in November 2024.
Competitors LTP Market Cap (₹ Cr.) P/E Ratio Revenue (₹ Cr.) YoY Revenue Growth % Net Profit (₹ Cr.) YoY Profit Growth % RSI
1,709.25 13,07,186.51 18.53 4,07,994.80 99.35 65,447 3.51 45.75
1,239.95 8,75,159.17 17.87 2,36,037.70 26.78 45,007 20.25 54.49
1,983.20 3,94,292.71 19.57 94,273.90 38.35 17,977 10.23 52.81
1,000.40 3,09,620.26 11.27 1,37,989.40 30.43 26,424 3.98 54.50
72.34 77,782.88 10.85 30,370.40 20.68 5,814 28.98 47.89
680.60 53,022.26 7.04 55,144.00 23.81 8,977 -39.07 13.76
16.11 50,504.67 23.74 32,960.90 23.98 1,285 155.32 33.10
176.94 43,439.55 10.90 26,782.00 32.27 3,928 -10.87 43.27
54.24 39,702.78 21.06 36,256.80 33.32 2,942 -53.53 31.95
139.55 22,481.10 9.09 21,034.20 14.48 2,230 -41.79 43.69
Growth Rate
Revenue Growth
8.82 %
Net Income Growth
8.34 %
Cash Flow Change
-39.76 %
ROE
-3.82 %
ROCE
10.36 %
EBITDA Margin (Avg.)
7.63 %

Yearly Financial Results

Annual Financials
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
Revenue
3,103
3,354
3,658
3,935
4,282
4,849
4,824
4,864
5,525
6,012
6,498
Expenses
655
736
937
1,120
1,140
1,690
1,738
1,605
1,723
1,559
1,711
EBITDA
557
655
746
843
986
665
780
1,070
1,250
1,306
1,374
Operating Profit %
76 %
75 %
70 %
67 %
70 %
59 %
58 %
61 %
63 %
70 %
70 %
Depreciation
47
52
53
53
62
79
88
85
73
75
0
Interest
1,892
1,963
1,975
1,972
2,156
2,493
2,305
2,188
2,552
3,147
3,414
Profit Before Tax
521
603
693
790
925
586
693
985
1,178
1,231
1,374
Tax
126
158
190
198
242
110
100
225
240
215
283
Net Profit
395
445
503
592
683
476
593
760
938
1,016
1,091
EPS in ₹
6.82
7.44
8.39
9.18
9.57
6.48
8.03
10.29
12.67
13.72
14.70

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Total Assets
27,871
31,804
35,271
39,937
45,259
49,734
53,312
61,531
66,595
70,826
Fixed Assets
210
218
215
223
250
245
233
215
239
270
Current Assets
3,825
3,703
4,192
3,982
4,623
6,444
7,485
8,737
8,969
9,366
Capital Work in Progress
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
Other Assets
21,790
24,760
28,024
31,835
37,297
40,372
43,643
49,095
52,023
54,891
Total Liabilities
27,871
31,804
35,271
39,937
45,259
49,734
53,312
61,531
66,595
70,826
Current Liabilities
932
929
1,054
1,186
1,489
1,573
1,586
1,944
2,051
2,044
Non Current Liabilities
26,939
30,875
34,217
38,752
43,770
48,161
51,726
59,587
64,543
68,782
Total Equity
2,696
3,052
3,570
4,163
4,841
5,296
5,843
6,586
7,457
8,401
Reserve & Surplus
2,636
2,992
3,510
4,097
4,767
5,222
5,769
6,512
7,383
8,327
Share Capital
60
60
60
67
74
74
74
74
74
74

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Net Cash Flow
357
113
229
-243
327
1,758
893
1,072
-38
294
Investing Activities
-64
-60
-50
-61
-87
-60
-38
-63
-72
-106
Operating Activities
131
249
284
-183
419
1,836
922
1,166
724
436
Financing Activities
291
-75
-4
1
-5
-18
10
-31
-690
-36

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
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 %
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 %
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 %
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 %
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 %
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 %
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

Dividend History

Dividends per share (FY)
Dividend yield (FY) %

No dividends have been distributed by the company in the past 10 years

Corporate Action

Announcements

New Branches Opened
1 day ago
Our Bank Has Opened 2 New Branches On March 05 2025
6 days ago
Our Bank Has Opened 4 New Branches On March 03 2025
8 days ago
Announcement under Regulation 30 (LODR)-Change in Management
Feb 21, 2025, 19:29
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Feb 17, 2025, 18:01
Opening Of New Branches
Feb 17, 2025, 15:41
Opening Of New Branches
Feb 17, 2025, 15:36
Approval Of RBI For Appointment Of Whole Time Director Of The Bank
Feb 14, 2025, 19:40
New Branch Opening
Feb 14, 2025, 13:08
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Feb 13, 2025, 16:38
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 12, 2025, 12:32
Our Bank Has Opened 6 New Branches On February 12 2025
Feb 12, 2025, 12:25
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Feb 05, 2025, 18:58
Opening Of New Branch
Feb 03, 2025, 13:30
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 03, 2025, 13:23
Integrated Filing (Financial)
Feb 01, 2025, 16:09
Announcement under Regulation 30 (LODR)-Newspaper Publication
Feb 01, 2025, 13:22
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Feb 01, 2025, 13:17
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Jan 31, 2025, 22:37
Appointment Of Secretarial Auditor For FY 2024-25
Jan 31, 2025, 18:15
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Jan 31, 2025, 17:38
Announcement under Regulation 30 (LODR)-Investor Presentation
Jan 31, 2025, 17:37
Q3FY2025 Un Audited Financial Results
Jan 31, 2025, 16:55
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Jan 28, 2025, 18:46
Board Meeting Intimation for Board Meeting To Be Held On January 31 2025
Jan 20, 2025, 19:10
Our Bank Has Opened Four New Branches On January 20 2025
Jan 20, 2025, 15:55
New Branch Opening
Jan 10, 2025, 12:56
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Jan 03, 2025, 19:03
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Dec 12, 2024, 18:47
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Dec 12, 2024, 17:33
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Dec 11, 2024, 18:28
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 06, 2024, 16:27
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 06, 2024, 16:22
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Nov 26, 2024, 18:44
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Nov 25, 2024, 18:29
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 22, 2024, 17:14
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 22, 2024, 17:13
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 21, 2024, 18:40
Opening Of New Branch
Nov 20, 2024, 16:26
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Nov 20, 2024, 16:14
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 19, 2024, 18:48
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 19, 2024, 18:36
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 19, 2024, 18:25
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 14, 2024, 18:19
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 14, 2024, 18:14
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 14, 2024, 18:03
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 13, 2024, 17:59
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 13, 2024, 17:53
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Nov 13, 2024, 17:47
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 10, 2024, 14:03

Company Filings to Exchanges

Technical Indicators

RSI(14)
Neutral
33.97
ATR(14)
Volatile
5.81
STOCH(9,6)
Neutral
57.41
STOCH RSI(14)
Neutral
77.58
MACD(12,26)
Bullish
0.21
ADX(14)
Strong Trend
29.85
UO(9)
Bearish
46.55
ROC(12)
Downtrend And Accelerating
-7.29
WillR(14)
Oversold
-85.80

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