City Union Bank Ltd.
NSE: CUB · Private Sector Bank
Snapshot
Unlock City Union Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
City Union Bank Limited is an Indian private sector bank providing a comprehensive range of financial products and services to personal and corporate clients. Its operations are organised into Treasury, Corporate, Retail Banking, and Other Banking Operations segments.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, insurance, and treasury operations. It maintains a widespread physical presence through an extensive network of branches, ATMs, and automated kiosks.
- Branches:727
- ATMs:1,732
Growth Outlook
Growth is driven by the expansion of digital banking services and the continued penetration of retail and agricultural credit products. The bank focuses on leveraging its established branch network to capture market share in both urban and semi-urban regions.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to small and medium enterprises and agricultural loans, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where changes in monetary policy or banking regulations could affect operational profitability.
- Competition Risk. Intense competition from larger public and private sector banks, as well as emerging fintech players, may pressure margins and market share.
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Key Metrics
NET PROFIT
₹1,403 Cr
TTM · standalone
EPS
₹17.61
TTM · standalone
RETURN ON EQUITY
13.7%
TTM · standalone
P/E
13.4x
Q1 FY27 · standalone
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
City Union Bank Ltd.CUB | ₹23,384 Cr | 13.40 | — | — | — | 13.7% | — | +21.6% |
Karur Vysya Bank Ltd.KARURVYSYA | ₹33,716 Cr | 12.28 | — | — | — | 17.6% | — | +71.9% |
Bandhan Bank Ltd.BANDHANBNK | ₹26,574 Cr | 19.64 | — | — | — | 5.3% | — | +1.5% |
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹16,520 Cr | 7.17 | — | 7.0% | — | 14.8% | — | +49.8% |
Tamilnad Mercantile Bank LimitedTMB | ₹14,765 Cr | 10.22 | — | — | — | — | — | +119.1% |
The Karnataka Bank LimitedKTKBANK | ₹12,863 Cr | 8.95 | — | — | — | 11.4% | — | +93.8% |
Financials
City Union Bank Ltd.
NSE: CUB · Private Sector Bank
Snapshot
Unlock City Union Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
City Union Bank Limited is an Indian private sector bank providing a comprehensive range of financial products and services to personal and corporate clients. Its operations are organised into Treasury, Corporate, Retail Banking, and Other Banking Operations segments.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, insurance, and treasury operations. It maintains a widespread physical presence through an extensive network of branches, ATMs, and automated kiosks.
- Branches:727
- ATMs:1,732
Growth Outlook
Growth is driven by the expansion of digital banking services and the continued penetration of retail and agricultural credit products. The bank focuses on leveraging its established branch network to capture market share in both urban and semi-urban regions.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to small and medium enterprises and agricultural loans, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where changes in monetary policy or banking regulations could affect operational profitability.
- Competition Risk. Intense competition from larger public and private sector banks, as well as emerging fintech players, may pressure margins and market share.
Start your research today
Unlock AI insights, financials, peers and live data on City Union Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,403 Cr
TTM · standalone
EPS
₹17.61
TTM · standalone
RETURN ON EQUITY
13.7%
TTM · standalone
P/E
13.4x
Q1 FY27 · standalone
Peers · Private Sector Bank
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