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City Union Bank Limited (CUB.NS)
Kumbakonam, IN
City Union Bank Limited (CUB.NS) is an Indian financial institution that delivers a broad spectrum of banking products and services to individual and corporate clients nationwide. The bank's operations are strategically divided into four primary segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. Its offerings include a variety of deposit accounts such as savings, current, and salary options, alongside diverse fixed, flexible, recurring, and tax-saving deposits, complemented by specialized non-resident Indian (NRI) banking solutions. CUB provides an extensive suite of lending products, encompassing consumer, two and four-wheeler, home, educational, personal, and agricultural gold loans, as well as working capital, easy business, foreign currency, agricultural term, and small road transport operator loans. Additionally, it offers credit facilities like cash credits, bank guarantees, letters of credit, bills finance, and gold-based overdrafts. The bank also supports international commerce through services such as export and import financing, remittances, correspondent banking, and treasury risk management. Beyond traditional banking, City Union Bank offers essential auxiliary services, including safe deposit lockers, a widespread network of automated teller machines (ATMs) and bulk note recyclers, cash deposit machines, point-of-sale (POS) terminals, dematerialized (demat) accounts, and insurance products. Customers can also access debit, prepaid, and credit cards. Furthermore, the bank utilizes technology to provide modern banking solutions like cash management, government payment processing, National Electronic Fund Transfer (NEFT), Immediate Payment Service (IMPS), Real Time Gross Settlement (RTGS), National Automated Clearing House (NACH), and various other digital services. As of March 31, 2022, City Union Bank boasted a substantial physical presence with 727 branches, 1,732 ATMs (including 789 bulk note recycler machines), 610 passbook kiosks, and 589 cheque deposit kiosks. Founded in 1904, the bank was initially known as The Kumbakonam City Union Bank Limited until its rebranding to City Union Bank Limited in November 1987, maintaining its base in Kumbakonam, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.84% | +2.17% | -4.82% | -10.49% | -4.03% | -13.29% | +27.94% | +79.27% | +44.04% | +196.05% | +24,620.59% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | -3 |
| Buy | 19 | +1 |
| Hold | 0 | 0 |
| Sell | 2 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth+17.5% Q1'26: +20.3% (vs Q1'25)
-
EPS growth+18.3% Q1'26: +25.1% (vs Q1'25)
-
FCF margin— Q1'26: -195.5% (vs Q1'25)
-
EBIT margin— Q1'26: +21.4% (vs Q1'25)
-
ROIC— Q1'26: +20.7% (vs Q1'25)
-
Share dilution-0.2% Q1'26: -0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.90× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2009 actual |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 12 Rev. Ana. 20 EPS Ana. |
Mar 2027 15 Rev. Ana. 21 EPS Ana. |
Mar 2028 16 Rev. Ana. 21 EPS Ana. |
Mar 2029 5 Rev. Ana. 6 EPS Ana. |
Mar 2030 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
9.28B
est: 3.67B (+153.0%)
|
18.96B
est: 6.14B (+209.0%)
|
24.62B
est: 8.61B (+185.8%)
|
28.24B
est: 10.92B (+158.6%)
|
31.02B
est: 12.22B (+153.9%)
|
33.55B
est: 13.74B (+144.2%)
|
36.09B
est: 16.43B (+119.6%)
|
39.35B
est: 19.61B (+100.6%)
|
42.56B
est: 20.98B (+102.9%)
|
48.80B
est: 23.72B (+105.7%)
|
48.21B
est: 26.00B (+85.4%)
|
48.62B
est: 26.82B (+81.3%)
|
55.25B
est: 30.43B (+81.5%)
|
60.12B
est: 27.15B (+121.4%)
|
67.32B
est: 31.93B (+110.8%)
|
38.29B
35.84B – 39.05B
+19.9% YoY
|
46.02B
44.12B – 47.96B
+20.2% YoY
|
53.41B
50.57B – 56.05B
+16.0% YoY
|
62.61B
59.62B – 65.49B
+17.2% YoY
|
76.04B
72.41B – 79.54B
+21.4% YoY
|
| EBITDA |
1.38B
est: 768.90M (+79.6%)
|
3.48B
est: 1.29B (+170.4%)
|
4.28B
est: 1.81B (+136.9%)
|
4.51B
est: 2.29B (+97.1%)
|
5.57B
est: 2.56B (+117.5%)
|
6.55B
est: 2.88B (+127.5%)
|
7.46B
est: 3.44B (+116.5%)
|
6.44B
est: 4.11B (+56.8%)
|
9.86B
est: 4.40B (+124.3%)
|
6.65B
est: 4.97B (+33.8%)
|
7.80B
est: 5.45B (+43.2%)
|
10.70B
est: 5.62B (+90.4%)
|
12.50B
est: 6.38B (+96.0%)
|
13.06B
est: 6.03B (+116.5%)
|
14.98B
est: 7.10B (+111.2%)
|
8.51B
7.96B – 8.68B
+19.9% YoY
|
10.23B
9.80B – 10.66B
+20.2% YoY
|
11.87B
11.24B – 12.46B
+16.0% YoY
|
13.91B
13.25B – 14.55B
+17.2% YoY
|
16.90B
16.09B – 17.68B
+21.4% YoY
|
| EBIT |
1.22B
est: 700.90M (+74.3%)
|
3.34B
est: 1.88B (+77.8%)
|
4.03B
est: 4.28B (-5.7%)
|
4.14B
est: 5.11B (-19.1%)
|
5.21B
est: 4.71B (+10.5%)
|
6.03B
est: 5.82B (+3.5%)
|
6.93B
est: 7.28B (-4.8%)
|
5.92B
est: 8.26B (-28.3%)
|
9.25B
est: 8.81B (+4.9%)
|
5.86B
est: 10.25B (-42.8%)
|
6.93B
est: 5.62B (+23.3%)
|
9.85B
est: 6.20B (+58.9%)
|
11.77B
est: 7.08B (+66.3%)
|
12.31B
est: 5.66B (+117.4%)
|
14.17B
est: 8.92B (+58.8%)
|
7.98B
7.47B – 8.14B
-10.6% YoY
|
9.59B
9.20B – 10.00B
+20.2% YoY
|
11.13B
10.54B – 11.68B
+16.0% YoY
|
13.05B
12.43B – 13.65B
+17.2% YoY
|
15.85B
15.09B – 16.58B
+21.4% YoY
|
| Net Income |
1.22B
est: 1.82B (-32.8%)
|
2.80B
est: 1.88B (+49.1%)
|
3.22B
est: 3.58B (-10.2%)
|
3.47B
est: 4.08B (-15.0%)
|
3.95B
est: 3.96B (-0.1%)
|
4.45B
est: 4.42B (+0.7%)
|
5.03B
est: 5.37B (-6.3%)
|
5.92B
est: 5.99B (-1.2%)
|
6.83B
est: 6.60B (+3.4%)
|
4.76B
est: 7.57B (-37.0%)
|
5.93B
est: 4.56B (+29.9%)
|
7.60B
est: 5.04B (+50.9%)
|
9.37B
est: 5.75B (+62.9%)
|
10.16B
est: 10.53B (-3.5%)
|
11.24B
est: 11.65B (-3.6%)
|
13.26B
12.51B – 13.84B
+13.8% YoY
|
15.92B
11.50B – 17.33B
+20.1% YoY
|
18.57B
13.95B – 20.52B
+16.7% YoY
|
22.08B
18.60B – 24.11B
+18.9% YoY
|
26.85B
25.19B – 28.46B
+21.6% YoY
|
| SGA |
—
est: 2.55B (-100.0%)
|
208.76M
est: 4.26B (-95.1%)
|
208.40M
est: 4.77B (-95.6%)
|
221.69M
est: 6.27B (-96.5%)
|
233.53M
est: 7.37B (-96.8%)
|
196.30M
est: 7.72B (-97.5%)
|
183.64M
est: 9.52B (-98.1%)
|
202.77M
est: 11.80B (-98.3%)
|
217.80M
est: 13.08B (-98.3%)
|
264.38M
est: 13.31B (-98.0%)
|
133.02M
est: 16.95B (-99.2%)
|
9.39B
est: 18.71B (-49.8%)
|
9.89B
est: 21.37B (-53.7%)
|
11.46B
est: 4.73B (+142.4%)
|
13.15B
est: 5.56B (+136.4%)
|
6.67B
6.24B – 6.80B
+19.8% YoY
|
8.01B
7.68B – 8.35B
+20.2% YoY
|
9.30B
8.81B – 9.76B
+16.0% YoY
|
10.90B
10.38B – 11.40B
+17.2% YoY
|
13.24B
12.61B – 13.85B
+21.4% YoY
|
| EPS |
2.31
est: 2.43 (-4.8%)
|
4.79
est: 4.78 (+0.2%)
|
5.50
est: 5.61 (-2.0%)
|
5.53
est: 5.48 (+0.8%)
|
5.64
est: 5.61 (+0.6%)
|
6.15
est: 6.18 (-0.4%)
|
6.93
est: 6.92 (+0.1%)
|
8.35
est: 8.23 (+1.4%)
|
9.57
est: 9.59 (-0.2%)
|
6.48
est: 10.43 (-37.9%)
|
8.03
est: 8.12 (-1.1%)
|
10.29
est: 9.97 (+3.2%)
|
12.67
est: 12.87 (-1.6%)
|
13.72
est: 14.21 (-3.4%)
|
15.17
est: 15.14 (+0.2%)
|
17.81
16.81 – 18.61
+17.6% YoY
|
21.20
15.46 – 23.29
+19.0% YoY
|
24.75
18.76 – 27.58
+16.8% YoY
|
30.17
25.00 – 32.42
+21.9% YoY
|
36.10
33.86 – 38.26
+19.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-20 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-19 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-18 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-15 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-14 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.02% | 3.49M | 0.06% |
| 2 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.01% | 258.9K | 0.26% |
| 3 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.01% | 114.8K | 0.48% |
| 4 | Vanguard FTSE Emerging Markets ETF VWO | 0.01% | 12.78M | 0.06% |
| 5 | Vanguard ESG International Stock ETF VSGX | 0.00% | 188.0K | 0.10% |
| 6 | Vanguard Total International Stock ETF VXUS | 0.00% | 14.04M | 0.05% |
| 7 | Vanguard Total World Stock ETF VT | 0.00% | 860.6K | 0.06% |
| 8 | Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO | 0.00% | 20.5K | 0.22% |
| 9 | Vanguard ESG Global All Cap UCITS ETF (USD) Distributing V3AL.L | 0.00% | 10.4K | 0.24% |
| 10 | Vanguard ESG Global All Cap UCITS ETF (USD) Accumulating V3AA.L | 0.00% | 10.4K | 0.24% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| N. V. Narayanan Kamakodi CAIIB | MD, Chief Executive Officer & Director | 37M | — |
| Vijay Anandh Ramamoorthy | MD, CEO & Whole-time Executive Director | 20M | male |
| Venkataraman Ramesh | Whole-time Executive Director | 6M | male |
| S. Venkataramanan | Company Secretary & Compliance Officer | — | male |
| J. Sadagopan | Deputy GM of Taxation & Chief Financial Officer | — | male |
| V. Gopalakrishnan | General Manager of HRMD and BD / P&D | — | male |
| V. Venkat Kishna | Head of Internal Audit & GM | — | male |
| Venkatakrishnan | Chief Risk Officer | — | male |
| SVSS Janakiram | Deputy Head of Internal Audit & Deputy GM | — | — |
| K. Jayaraman | Chief Compliance Officer & GM | — | male |
| Kalyanaraman | General Manager & RMD/CRO | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CUB.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
