City Union Bank Ltd
CUB
Banks
₹ 211.66
Price
₹ 15,684
Market Cap
Mid Cap
13.46
P/E Ratio
📊 Score Snapshot
7.74 / 25
Performance
25 / 25
Valuation
0.73 / 20
Growth
7.0 / 30
Profitability
40.47 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 9.14 | 1.98 | 2.13 | 7.07 | 4.54 | 14.93 | 1.13 | -7.74 |
| Adj Cash PAT | 678.00 | 147.00 | 158.00 | 523.00 | 336.00 | 1,100 | 83.22 | -566.00 |
| Adj Cash PAT To PAT | 0.60 | 0.14 | 0.17 | 0.69 | 0.57 | 2.31 | 0.12 | -0.96 |
| Adj Cash PE | 17.50 | 79.53 | 58.95 | 18.98 | 35.45 | 7.63 | 183.01 | - |
| Adj EPS | 15.16 | 13.71 | 12.66 | 10.28 | 8.02 | 6.46 | 9.33 | 8.10 |
| Adj Number Of Shares | 74.14 | 74.11 | 74.01 | 73.93 | 73.94 | 73.68 | 73.44 | 73.09 |
| Adj PE | 10.56 | 11.51 | 9.94 | 13.06 | 20.09 | 17.64 | 21.76 | 19.86 |
| Adj Peg | 1.00 | 1.39 | 0.43 | 0.46 | 0.83 | - | 1.43 | 1.15 |
| Bvps | 127.69 | 113.36 | 100.76 | 89.08 | 79.02 | 71.88 | 65.90 | 56.96 |
| Cash Revenue | 5,834 | 10,542 | 9,428 | 8,210 | 8,270 | 8,338 | 7,534 | 6,804 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.23 | 0.96 | 0.80 | 0.77 | 0.30 | 0.45 | 0.23 | 0.15 |
| Fcfe | -1,915 | 152.00 | -465.00 | 545.00 | 385.00 | 1,119 | 59.22 | -574.00 |
| Fcfe Margin | -32.82 | 1.44 | -4.93 | 6.64 | 4.66 | 13.42 | 0.79 | -8.44 |
| Fcfe To Adj PAT | -1.70 | 0.15 | -0.50 | 0.72 | 0.65 | 2.35 | 0.09 | -0.97 |
| Market Cap | 11,866 | 11,691 | 9,314 | 9,929 | 11,912 | 8,396 | 14,864 | 11,757 |
| PB | 1.25 | 1.39 | 1.25 | 1.51 | 2.04 | 1.59 | 3.07 | 2.82 |
| PE | 10.56 | 11.51 | 9.94 | 13.06 | 20.09 | 17.64 | 21.76 | 19.86 |
| Peg | 1.00 | 1.39 | 0.43 | 0.46 | 0.83 | - | 1.47 | 1.15 |
| PS | 2.03 | 1.11 | 0.99 | 1.21 | 1.44 | 1.01 | 1.97 | 1.73 |
| ROE | 12.58 | 12.81 | 13.34 | 12.23 | 10.65 | 9.39 | 15.22 | 15.31 |
| Share Price | 160.05 | 157.75 | 125.85 | 134.30 | 161.10 | 113.95 | 202.40 | 160.86 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,653 | 1,605 | 1,533 | 2,958 | 2,868 | 2,778 | 2,748 | 2,652 | 2,608 | 2,532 | 2,456 | 2,412 | 2,362 | 2,198 |
| Interest | 987.00 | 980.00 | 932.00 | 891.00 | 851.00 | 843.00 | 828.00 | 810.00 | 766.00 | 744.00 | 714.00 | 650.00 | 613.00 | 575.00 |
| Expenses - | 512.00 | 488.00 | 489.00 | 455.00 | 451.00 | 403.00 | 402.00 | 391.00 | 390.00 | 452.00 | 451.00 | 507.00 | 390.00 | 447.00 |
| Financing Profit | 154.00 | 137.00 | 112.00 | 133.00 | 132.00 | 142.00 | 145.00 | 125.00 | 149.00 | 71.00 | 63.00 | 49.00 | 178.00 | 78.00 |
| Financing Margin % | 9.32 | 8.54 | 7.31 | 4.50 | 4.60 | 5.11 | 5.28 | 4.71 | 5.71 | 2.80 | 2.57 | 2.03 | 7.54 | 3.55 |
| Other Income - | 259.00 | 244.00 | 251.00 | 228.00 | 226.00 | 192.00 | 175.00 | 193.00 | 182.00 | 191.00 | 195.00 | 224.00 | 173.00 | 218.00 |
| Profit Before Tax | 414.00 | 381.00 | 363.00 | 361.00 | 358.00 | 334.00 | 320.00 | 318.00 | 331.00 | 262.00 | 258.00 | 273.00 | 351.00 | 295.00 |
| Tax % | 20.53 | 19.69 | 20.66 | 20.78 | 20.39 | 20.96 | 20.31 | 20.44 | 15.11 | 13.36 | 15.50 | 20.15 | 21.37 | 23.73 |
| Net Profit - | 329.00 | 306.00 | 288.00 | 286.00 | 285.00 | 264.00 | 255.00 | 253.00 | 281.00 | 227.00 | 218.00 | 218.00 | 276.00 | 225.00 |
| Profit Excl Exceptional | 329.00 | 306.00 | 288.00 | 286.00 | 285.00 | 264.00 | 255.00 | 253.00 | 281.00 | 227.00 | 218.00 | 218.00 | 276.00 | 225.00 |
| Profit For PE | 329.00 | 306.00 | 288.00 | 286.00 | 285.00 | 264.00 | 255.00 | 253.00 | 281.00 | 227.00 | 218.00 | 218.00 | 276.00 | 225.00 |
| Profit For EPS | 329.00 | 306.00 | 288.00 | 286.00 | 285.00 | 264.00 | 255.00 | 253.00 | 281.00 | 227.00 | 218.00 | 218.00 | 276.00 | 225.00 |
| EPS In Rs | 4.43 | 4.13 | 3.89 | 3.86 | 3.85 | 3.57 | 3.44 | 3.42 | 3.79 | 3.07 | 2.94 | 2.94 | 3.74 | 3.04 |
| PAT Margin % | 19.90 | 19.07 | 18.79 | 9.67 | 9.94 | 9.50 | 9.28 | 9.54 | 10.77 | 8.97 | 8.88 | 9.04 | 11.69 | 10.24 |
| PBT Margin | 25.05 | 23.74 | 23.68 | 12.20 | 12.48 | 12.02 | 11.64 | 11.99 | 12.69 | 10.35 | 10.50 | 11.32 | 14.86 | 13.42 |
| Tax | 85.00 | 75.00 | 75.00 | 75.00 | 73.00 | 70.00 | 65.00 | 65.00 | 50.00 | 35.00 | 40.00 | 55.00 | 75.00 | 70.00 |
| Yoy Profit Growth % | 15.00 | 16.00 | 13.00 | 13.00 | 2.00 | 16.00 | 17.00 | 16.00 | 2.00 | 1.00 | 4.00 | 11.00 | 52.00 | 30.00 |
| Adj PAT | 329.00 | 306.00 | 288.00 | 286.00 | 285.00 | 264.00 | 255.00 | 253.00 | 281.00 | 227.00 | 218.00 | 218.00 | 276.00 | 225.00 |
| Adj PAT Margin | 19.90 | 19.07 | 18.79 | 9.67 | 9.94 | 9.50 | 9.28 | 9.54 | 10.77 | 8.97 | 8.88 | 9.04 | 11.69 | 10.24 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,834 | 10,542 | 9,428 | 8,210 | 8,270 | 8,338 | 7,534 | 6,804 | 6,348 | 5,888 | 5,398 | 5,092 |
| Interest | 3,518 | 3,147 | 2,552 | 2,188 | 2,305 | 2,493 | 2,156 | 1,972 | 1,975 | 1,963 | 1,891 | 1,787 |
| Expenses - | 1,716 | 1,559 | 1,723 | 1,605 | 1,738 | 1,690 | 1,140 | 1,120 | 937.00 | 736.00 | 655.00 | 588.00 |
| Financing Profit | 600.00 | 564.00 | 440.00 | 311.00 | 92.00 | -15.00 | 472.00 | 310.00 | 262.00 | 245.00 | 153.00 | 171.00 |
| Financing Margin % | 10.28 | 5.35 | 4.67 | 3.79 | 1.11 | -0.18 | 6.26 | 4.56 | 4.13 | 4.16 | 2.83 | 3.36 |
| Other Income - | 898.00 | 742.00 | 810.00 | 759.00 | 689.00 | 680.00 | 512.00 | 532.00 | 484.00 | 410.00 | 404.00 | 279.00 |
| Exceptional Items | - | - | - | - | - | - | 3.00 | - | - | - | 11.00 | - |
| Depreciation | 82.00 | 75.00 | 73.00 | 85.00 | 87.00 | 79.00 | 62.00 | 52.00 | 53.00 | 52.00 | 47.00 | 38.00 |
| Profit Before Tax | 1,417 | 1,231 | 1,177 | 985.00 | 693.00 | 586.00 | 925.00 | 790.00 | 693.00 | 603.00 | 521.00 | 414.00 |
| Tax % | 20.68 | 17.47 | 20.39 | 22.84 | 14.43 | 18.77 | 26.16 | 25.06 | 27.42 | 26.20 | 24.18 | 16.18 |
| Net Profit - | 1,124 | 1,016 | 937.00 | 760.00 | 593.00 | 476.00 | 683.00 | 592.00 | 503.00 | 445.00 | 395.00 | 347.00 |
| Exceptional Items At | - | - | - | - | - | - | 2.00 | - | - | - | 8.00 | - |
| Profit Excl Exceptional | 1,124 | 1,016 | 937.00 | 760.00 | 593.00 | 476.00 | 681.00 | 592.00 | 503.00 | 445.00 | 387.00 | 347.00 |
| Profit For PE | 1,124 | 1,016 | 937.00 | 760.00 | 593.00 | 476.00 | 681.00 | 592.00 | 503.00 | 445.00 | 387.00 | 347.00 |
| Profit For EPS | 1,124 | 1,016 | 937.00 | 760.00 | 593.00 | 476.00 | 683.00 | 592.00 | 503.00 | 445.00 | 395.00 | 347.00 |
| EPS In Rs | 15.16 | 13.71 | 12.66 | 10.28 | 8.02 | 6.46 | 9.30 | 8.10 | 6.91 | 6.14 | 5.47 | 5.29 |
| Dividend Payout % | 13.00 | 11.00 | 8.00 | 10.00 | 6.00 | 8.00 | 5.00 | 3.00 | 4.00 | 16.00 | 17.00 | 16.00 |
| PAT Margin % | 19.27 | 9.64 | 9.94 | 9.26 | 7.17 | 5.71 | 9.07 | 8.70 | 7.92 | 7.56 | 7.32 | 6.81 |
| PBT Margin | 24.29 | 11.68 | 12.48 | 12.00 | 8.38 | 7.03 | 12.28 | 11.61 | 10.92 | 10.24 | 9.65 | 8.13 |
| Tax | 293.00 | 215.00 | 240.00 | 225.00 | 100.00 | 110.00 | 242.00 | 198.00 | 190.00 | 158.00 | 126.00 | 67.00 |
| Adj PAT | 1,124 | 1,016 | 937.00 | 760.00 | 593.00 | 476.00 | 685.22 | 592.00 | 503.00 | 445.00 | 403.34 | 347.00 |
| Adj PAT Margin | 19.27 | 9.64 | 9.94 | 9.26 | 7.17 | 5.71 | 9.10 | 8.70 | 7.92 | 7.56 | 7.47 | 6.81 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 833.00 | 765.00 | - | 700.00 | 646.00 | 565.00 | 514.00 | 440.00 | 380.00 |
| Average Total Assets | - | 74,224 | 68,710 | - | 64,063 | 57,422 | 51,523 | 47,496 | 42,598 | 37,604 |
| Average Total Equity | - | 8,934 | 7,929 | - | 7,022 | 6,214 | 5,570 | 5,068 | 4,502 | 3,866 |
| Borrowing | 2,183 | 2,169 | 4,724 | - | 4,688 | 5,312 | 1,346 | 2,032 | 481.00 | 1,736 |
| Cash Equivalents | 4,848 | 3,093 | 3,644 | - | 2,611 | 2,142 | 1,997 | 1,503 | 1,476 | 1,499 |
| Deposits | 69,486 | 63,526 | 55,657 | - | 52,398 | 47,690 | 44,537 | 40,832 | 38,448 | 32,853 |
| Fixed Assets | 388.00 | 322.00 | 270.00 | - | 239.00 | 215.00 | 233.00 | 245.00 | 250.00 | 223.00 |
| Gross Block | - | 1,155 | 1,036 | - | 939.00 | 860.00 | 797.00 | 759.00 | 690.00 | 603.00 |
| Investments | 17,519 | 17,336 | 15,664 | - | 14,333 | 12,221 | 9,436 | 9,117 | 7,712 | 7,879 |
| Loans N Advances | 56,681 | 1,164 | 1,246 | - | 1,109 | 1,045 | 986.00 | 852.00 | 861.00 | 649.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 2,032 | 481.00 | 1,736 |
| Net Debt | -22,367 | -20,429 | 41,073 | - | 40,142 | 38,638 | 34,450 | 32,245 | 29,741 | 25,210 |
| Other Asset Items | 4,967 | 55,708 | 50,001 | - | 48,302 | 45,908 | 40,660 | 38,017 | 34,960 | 29,687 |
| Other Borrowings | - | - | 60,381 | - | 57,086 | 53,001 | 45,883 | 40,832 | 38,448 | 32,853 |
| Other Liability Items | 2,808 | 1,988 | 1,734 | - | 1,679 | 1,469 | 1,401 | 1,372 | 1,069 | 888.00 |
| Reserves | 9,852 | 9,393 | 8,327 | - | 7,383 | 6,512 | 5,769 | 5,222 | 4,767 | 4,097 |
| Share Capital | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 73.00 | 66.00 |
| Total Assets | 84,402 | 77,623 | 70,826 | - | 66,595 | 61,531 | 53,312 | 49,734 | 45,259 | 39,937 |
| Total Borrowings | - | - | 60,381 | - | 57,086 | 53,001 | 45,883 | 42,865 | 38,929 | 34,588 |
| Total Equity | 9,926 | 9,467 | 8,401 | 74.00 | 7,457 | 6,586 | 5,843 | 5,296 | 4,840 | 4,163 |
| Total Equity And Liabilities | 84,402 | 77,623 | 70,826 | - | 66,595 | 61,531 | 53,312 | 49,734 | 45,259 | 39,937 |
| Total Liabilities | 74,476 | 68,156 | 62,425 | -74.00 | 59,138 | 54,945 | 47,469 | 44,438 | 40,419 | 35,774 |
| Trade Payables | - | 473.00 | 310.00 | - | 372.00 | 475.00 | 185.00 | 201.00 | 421.00 | 298.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -2,662 | -36.00 | -690.00 | -31.00 | 10.00 | -18.00 | -5.00 | 1.00 |
| Cash From Investing Activity | -120.00 | -106.00 | -72.00 | -63.00 | -38.00 | -60.00 | -87.00 | -61.00 |
| Cash From Operating Activity | 1,128 | 436.00 | 724.00 | 1,166 | 922.00 | 1,836 | 419.00 | -183.00 |
| Cash Paid For Loan Advances | -6,811 | - | - | - | - | - | - | - |
| Cash Paid For Purchase Of Fixed Assets | -198.00 | -168.00 | -99.00 | -77.00 | -76.00 | -75.00 | -89.00 | -61.00 |
| Cash Paid For Repayment Of Borrowings | -2,555 | - | -624.00 | - | - | - | - | - |
| Cash Receipts From Deposits | 63,526 | 55,657 | 52,398 | 47,690 | 44,537 | 40,832 | 38,448 | 32,853 |
| Cash Received From Borrowings | - | 36.00 | - | - | - | - | - | - |
| Cash Received From Issue Of Shares | 4.00 | 3.00 | 8.00 | 7.00 | 11.00 | 23.00 | 21.00 | 25.00 |
| Cash Received From Sale Of Fixed Assets | 78.00 | 62.00 | 27.00 | 14.00 | 38.00 | 15.00 | 3.00 | 1.00 |
| Change In Other Working Capital Items | -8,316 | -4,128 | -5,488 | -3,390 | -3,962 | -1,762 | -6,197 | -3,895 |
| Change In Working Capital | -446.00 | -869.00 | -779.00 | -237.00 | -257.00 | 624.00 | -602.00 | -1,158 |
| Direct Taxes Paid | -204.00 | -163.00 | -193.00 | -21.00 | -67.00 | 36.00 | -192.00 | -117.00 |
| Dividends Paid | -111.00 | -74.00 | -74.00 | -38.00 | -2.00 | -37.00 | -22.00 | -20.00 |
| Net Cash Flow | -1,653 | 294.00 | -38.00 | 1,072 | 893.00 | 1,758 | 327.00 | -243.00 |
| Operating Deposits | 7,869 | 3,259 | 4,708 | 3,152 | 3,705 | 2,385 | 5,595 | 2,737 |
| Other Cash Financing Items Paid | - | - | - | - | - | -5.00 | -5.00 | -4.00 |
| Profit From Operations | 1,778 | 1,469 | 1,696 | 1,423 | 1,246 | 1,176 | 1,212 | 1,092 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Cub | 2025-09-30 | - | 25.96 | 36.75 | 37.27 | 0.00 |
| Cub | 2025-06-30 | - | 27.38 | 35.23 | 37.40 | 0.00 |
| Cub | 2025-03-31 | - | 28.04 | 33.07 | 38.90 | 0.00 |
| Cub | 2024-12-31 | - | 27.44 | 33.59 | 38.98 | 0.00 |
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