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City Union Bank Limited
(CUB)
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Rating:64Neutral
Price Target:
₹242.00
▲(6.75% Upside)
Action:Reiterated
Date:10/30/26
The score is primarily supported by strong earnings trends and a generally sound balance sheet, but it is held back by highly inconsistent cash flow (including a major 2025 shortfall). Technical signals are mildly weak/neutral, while valuation appears reasonable with a moderate P/E and a modest dividend yield.
Positive Factors
Revenue and earnings growth
The sustained increase in revenue and net income indicates expanding earnings capacity rather than reliance on a single period. Continued growth can strengthen internal capital generation, support lending expansion, and improve the bank’s ability to absorb operating or credit costs over the next several quarters.
Negative Factors
Unstable cash generation
Large swings in operating and free cash flow reduce confidence in the consistency of earnings conversion into cash. Although 2026 cash flow was positive, the magnitude of the prior shortfall suggests that cash generation can remain uneven and complicate funding and capital-allocation decisions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
The sustained increase in revenue and net income indicates expanding earnings capacity rather than reliance on a single period. Continued growth can strengthen internal capital generation, support lending expansion, and improve the bank’s ability to absorb operating or credit costs over the next several quarters.
Read all positive factors
City Union Bank Limited (CUB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹224.51B
Dividend Yield0.88%
Average Volume (3M)341.64K
Price to Earnings (P/E)13.1
Beta (1Y)1.07
Revenue Growth21.67%
EPS Growth23.04%
CountryIN
Employees8,894
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)17.61
Shares Outstanding990,787,230
10 Day Avg. Volume484,672
30 Day Avg. Volume341,641
Financial Highlights & Ratios
PEG Ratio0.56
Price to Book (P/B)1.26
Price to Sales (P/S)1.69
P/FCF Ratio10.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)16.35
Revenue Forecast (FY)₹46.15B
City Union Bank Limited Business Overview & Revenue Model
Company Description
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 s...
How the Company Makes Money
CUB primarily makes money through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is earned from the spread between interest received on assets—mainly loans and advances to retail customers, SMEs/corporates...
City Union Bank Limited Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 82.88B | 79.09B | 67.32B | 60.12B | 55.25B | 48.62B |
| Gross Profit | 38.08B | 35.26B | 32.14B | 28.65B | 29.73B | 26.74B |
| EBITDA | 18.43B | 17.79B | 14.98B | 13.06B | 12.50B | 10.70B |
| Net Income | 14.03B | 13.26B | 11.24B | 10.16B | 9.37B | 7.60B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 970.24B | 776.23B | 708.26B | 665.95B | 615.31B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 89.27B | 52.91B | 33.00B | 66.49B | 66.87B |
| Total Debt | 0.00 | 56.98B | 22.65B | 47.24B | 46.88B | 53.12B |
| Total Liabilities | -105.65B | 864.60B | 681.57B | 624.24B | 591.37B | 549.45B |
| Stockholders Equity | 105.65B | 105.65B | 94.67B | 84.01B | 74.57B | 65.86B |
Cash Flow | ||||||
| Free Cash Flow | -41.95B | 12.69B | -69.39B | 2.68B | 14.15M | 10.88B |
| Operating Cash Flow | -40.39B | 16.22B | -67.41B | 12.57B | 1.00B | 11.66B |
| Investing Cash Flow | -1.13B | -158.09B | -1.20B | -41.86B | -718.85M | -628.40M |
| Financing Cash Flow | 58.14B | 178.24B | 52.08B | 32.23B | -661.67M | 31.22B |
City Union Bank Limited Technical Analysis
Negative
226.70
Price Trends
225.71
Negative
217.83
Negative
207.64
Positive
Market Momentum
-2.33
Positive
43.28
Neutral
21.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CUB, the sentiment is Negative. The current price of 226.7 is above the 20-day moving average (MA) of 224.30, above the 50-day MA of 225.71, and above the 200-day MA of 207.64, indicating a neutral trend. The MACD of -2.33 indicates Positive momentum. The RSI at 43.28 is Neutral, neither overbought nor oversold. The STOCH value of 21.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CUB.
City Union Bank Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ₹148.11B | 9.33 | ― | 0.80% | 4.71% | 16.69% | |
74 Outperform | ₹343.06B | 11.58 | ― | 0.73% | 13.55% | 40.51% | |
68 Neutral | ₹64.28B | 7.65 | ― | 0.73% | 10.25% | 22.53% | |
67 Neutral | ₹115.43B | 7.44 | ― | 1.64% | 3.34% | 35.29% | |
65 Neutral | ₹127.93B | 8.15 | ― | 1.55% | 17.61% | 29.91% | |
64 Neutral | ₹224.51B | 13.06 | ― | 0.88% | 21.67% | 23.04% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:CUB
City Union Bank Limited
226.60
51.72
29.58%
IN:DCBBANK
DCB Bank Limited
199.50
45.99
29.96%
IN:KARURVYSYA
Karur Vysya Bank Ltd.
355.00
111.64
45.88%
IN:KTKBANK
Karnataka Bank Ltd.
305.05
128.20
72.49%
IN:SOUTHBANK
South Indian Bank Limited
56.54
19.62
53.15%
IN:TMB
Tamilnad Mercantile Bank Limited
807.90
331.88
69.72%
City Union Bank Limited Corporate Events
City Union Bank Publishes Unaudited Q2 and H1 FY2027 Results in Leading Dailies
Oct 29, 2026
City Union Bank Limited has notified the exchanges that it has published its standalone unaudited financial results for the second quarter and half year ended September 30, 2026 in multiple national and regional newspapers. The disclosure, made un...
City Union Bank Posts Q2 FY27 Earnings Call Audio for Investors
Oct 28, 2026
City Union Bank Limited has notified the stock exchanges that it has uploaded the audio recording of its earnings call discussing the standalone unaudited financial results for the second quarter and first half of FY 2027. The recording, covering ...
City Union Bank Informs Exchanges of Q2 FY27 Analyst Call Participation
Oct 28, 2026
City Union Bank Limited has disclosed to the stock exchanges that it participated in an analyst and investor earnings call for the second quarter of fiscal year 2027, organized by Ambit Capital on October 28, 2026. The call was attended by the ban...
City Union Bank Secures RBI Nod to Raise Authorised Share Capital
Sep 11, 2026
City Union Bank Limited has received the Reserve Bank of India’s no-objection for amendments to its Memorandum and Articles of Association, as previously communicated to the stock exchanges. The key change increases the bank’s authoris...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.