City Union Bank

Why is City Union Bank Ltd. falling/rising?

As of 07-Aug, City Union Bank Ltd. is seeing its stock price rise to Rs 211.80, up 1.61%, driven by strong financial fundamentals, positive market sentiment, and significant outperformance compared to its sector and the Sensex. The bank's low NPA ratio and high capital adequacy further bolster investor confidence.

As of 07-Aug, City Union Bank Ltd. is experiencing a rise in its stock price, currently at Rs 211.80, reflecting an increase of Rs 3.35 or 1.61%. This upward movement can be attributed to several positive factors. The stock has outperformed its sector by 3.05% today and has shown a consecutive gain over the last three days, accumulating a total return of 5.17% during this period. Additionally, the stock reached an intraday high of Rs 214.8, indicating strong market interest.<BR><BR>The bank's strong financial fundamentals also support the rise. It boasts a low Gross NPA ratio of 1.73%, which is favorable for lending practices, and a high Capital Adequacy Ratio of 21.40%, providing a solid buffer against risks. Furthermore, the bank has demonstrated healthy long-term growth, with a net profit growth rate of 18.06% and consistent positive results over the last eight quarters. The recent quarterly results showed the highest Net Interest Income at Rs 820.14 crore and interest earned at Rs 1,984.99 crore.<BR><BR>Moreover, the stock's performance over the past year has been impressive, generating a return of 30.83%, significantly outperforming the Sensex, which has seen a decline of 2.63% in the same period. The stock's fair valuation, with a Price to Book Value ratio of 2, and a PEG ratio of 0.8, further enhances its attractiveness to investors. High institutional holdings at 63.5% indicate confidence from larger investors, who typically have more resources to analyze the company's fundamentals.<BR><BR>In summary, the combination of strong financial performance, positive market sentiment, and favorable comparisons to benchmarks has contributed to the rising stock price of City Union Bank Ltd.

Which are the latest news on City Union Bank?

Should I buy, sell or hold City Union Bank Ltd.?

Are City Union Bank Ltd. latest results good or bad?

City Union Bank Ltd. reported strong Q1 FY27 results, with a net profit of ₹382.57 crores, a 25.06% year-on-year increase, and the highest quarterly net interest income in its history at ₹820.14 crores. The bank also improved its asset quality, achieving a gross NPA ratio of 1.73%, indicating a positive overall performance.

City Union Bank Ltd. has reported strong results for Q1 FY27, indicating a positive performance overall. The bank achieved a net profit of ₹382.57 crores, which marks a significant increase of 25.06% year-on-year and a 6.40% rise compared to the previous quarter. This growth is supported by a remarkable net interest income (NII) of ₹820.14 crores, up 31.16% year-on-year, representing the highest quarterly NII in the bank's history.<BR><BR>Additionally, the bank has demonstrated impressive improvements in asset quality, with the gross non-performing asset (GNPA) ratio declining to 1.73%, the lowest ever recorded by the bank, down from 2.99% a year ago. The net NPA ratio also improved to 0.61%. These metrics reflect effective risk management and a solid lending strategy.<BR><BR>Despite a slight compression in the net interest margin (NIM) to 3.78%, the bank's ability to grow its NII significantly highlights its operational strength. The return on equity (ROE) stands at a healthy 12.55%, indicating reasonable profitability relative to shareholder capital.<BR><BR>Overall, City Union Bank's latest results can be characterized as good, showcasing strong growth, improved asset quality, and solid operational performance.

When is the next results date for City Union Bank Ltd.?

The next results date for City Union Bank Ltd. is 28 July 2026.

The next results date for City Union Bank Ltd. is scheduled for 28 July 2026.

How big is City Union Bank?

As of 10th June, City Union Bank Ltd. has a market capitalization of 19,179.00 Cr, classifying it as a Small Cap company, with a net profit of 1,326.23 Cr over the latest four quarters and total assets of 77,623.22 Cr. There is no valid Net Sales data available.

As of 10th June, <BR><BR>Market Cap: City Union Bank Ltd. has a market capitalization of 19,179.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: There is no valid Net Sales data found for summing, resulting in a value of 0.00 Cr. The Net Profit for the latest 4 quarters is 1,326.23 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is for March 2025. Shareholder's Funds are valued at 9,466.62 Cr, and Total Assets amount to 77,623.22 Cr.

Who are in the management team of City Union Bank?

The management team of City Union Bank includes N Kamakodi (Managing Director & CEO), V Ramesh (CFO & Company Secretary), and several independent directors, including M Narayanan (Part Time Chairman) and others, who collectively guide the bank's governance and strategy.

The management team of City Union Bank includes the following key members:<BR><BR>1. **N Kamakodi** - Managing Director & CEO<BR>2. **V Ramesh** - CFO & Company Secretary<BR>3. **M Narayanan** - Part Time Chairman<BR>4. **Subramaniam Narayanan** - Independent Director<BR>5. **V N Shiva Shankar** - Independent Director<BR>6. **T S Sridhar** - Independent Director<BR>7. **T K Ramkumar** - Independent Director<BR>8. **K Vaidyanathan** - Independent Director<BR>9. **V Kamakoti** - Independent Director<BR>10. **G Mahalingam** - Independent Director<BR>11. **Lalitha Rameswaran** - Independent Director<BR><BR>This team plays a crucial role in the governance and strategic direction of the bank.

Who are the peers of the City Union Bank?

City Union Bank's peers include IndusInd Bank, IDFC First Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, J&K Bank, T N Merc. Bank, South Ind.Bank, and Karnataka Bank. In terms of performance, RBL Bank has the highest 1-year return at 64.63%, while City Union Bank's return is 29.09%.

Peers: The peers of City Union Bank are IndusInd Bank, IDFC First Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, J&K Bank, T N Merc. Bank, South Ind.Bank, and Karnataka Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank, Karur Vysya Bank, and the rest. Good management risk is found at City Union Bank, IndusInd Bank, J&K Bank, and South Ind.Bank. Average management risk is present at IDFC First Bank, RBL Bank, and T N Merc. Bank. Growth is excellent at IDFC First Bank, Karur Vysya Bank, and the rest, while good growth is seen at City Union Bank, RBL Bank, J&K Bank, and South Ind.Bank. Below average growth is noted at IndusInd Bank and Bandhan Bank. Capital structure is excellent at City Union Bank, Bandhan Bank, Karur Vysya Bank, South Ind.Bank, and the rest, while good capital structure is found at IDFC First Bank and RBL Bank, and average capital structure is present at T N Merc. Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is RBL Bank at 64.63%, while CSB Bank has the lowest at -7.21%. City Union Bank's 1-year return is 29.09%, which is significantly higher than CSB Bank's return. Additionally, IDFC First Bank and CSB Bank both have negative six-month returns.

What does City Union Bank do?

City Union Bank Limited is a private sector bank in South India offering a range of banking services, with a recent net sales of ₹1,855.62 Cr and a net profit of ₹360 Cr as of March 2026. It has a market cap of ₹19,179 Cr and key metrics include a CAR of 20.82% and a gross NPA of 1.91%.

Overview:<BR>City Union Bank Limited is a leading scheduled commercial bank in the private sector, primarily engaged in providing a wide range of banking and financial services, including commercial banking and treasury operations, with a significant presence in South India. It falls under the Small Cap market category.<BR><BR>History:<BR>City Union Bank was incorporated in the early 20th century and has since established itself as a prominent player in the banking sector. The latest quarterly results reported are for March 2026, showcasing the bank's ongoing operations and financial performance.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,855.62 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 360 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 19,179 Cr (Small Cap)<BR><BR>Key Metrics:<BR>Industry: Private Sector Bank<BR>Dividend Yield: 0.78%<BR>CAR: 20.82%<BR>Return on Assets: 1.37%<BR>Net NPA: 0.68%<BR>Gross NPA: 1.91%<BR><BR>Contact Details:<BR>Address: No 149 T S R (Big) Street, Kumbakonam Tamil Nadu: 612001<BR>Phone: 91-435-2402322/2401622/2402412<BR>Email: shares@cityunionbank.com<BR>Website: http://www.cityunionbank.com

What is the bonus history of City Union Bank?

City Union Bank's recent bonus history includes a 1:3 bonus announced for June 12, 2026, a 1:1 bonus issued on July 10, 2018, and a 1:10 bonus on July 13, 2017, demonstrating the bank's commitment to rewarding shareholders.

City Union Bank has a notable bonus history. The most recent bonus issue was announced as a 1:3 ratio, with both the record date and ex-date set for June 12, 2026. Prior to that, the bank issued a 1:1 bonus on July 10, 2018, with a record date of July 11, 2018. Additionally, on July 13, 2017, City Union Bank had a bonus issue with a ratio of 1:10. This reflects the bank's approach to rewarding its shareholders over the years.

Is City Union Bank overvalued or undervalued?

As of November 10, 2025, City Union Bank is fairly valued with a PE ratio of 15.55, competitive financial metrics, and has outperformed the Sensex with a 42.63% return over the past year, making it a more attractive investment compared to its peers like HDFC Bank and ICICI Bank.

As of 10 November 2025, the valuation grade for City Union Bank has moved from expensive to fair, indicating a more favorable assessment of its market position. The bank is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 15.55, a Price to Book Value of 1.89, and a PEG ratio of 1.09, which suggest that the stock is reasonably priced relative to its earnings growth potential.<BR><BR>In comparison to its peers, City Union Bank's PE ratio is lower than that of HDFC Bank, which stands at 21.27, and ICICI Bank at 19.45, both of which are considered expensive. Notably, City Union Bank has a return on equity (ROE) of 12.17% and a net NPA to book value of 5.17%, which are competitive figures within the private sector banking space. Additionally, the bank has outperformed the Sensex over the past year with a return of 42.63% compared to the Sensex's 5.09%, reinforcing its valuation story.

How has been the historical performance of City Union Bank?

City Union Bank has shown consistent growth from March 2022 to March 2025, with increases in interest earned, net interest income, total income, and profits, alongside improved capital adequacy and asset quality, despite a decline in cash equivalents. Overall, the bank's financial health remains strong, reflected in a rising earnings per share.

Answer:<BR>The historical performance of City Union Bank shows a consistent growth trend across various financial metrics over the years.<BR><BR>Breakdown:<BR>City Union Bank's interest earned has increased from 4,104.78 Cr in Mar'22 to 5,834.04 Cr in Mar'25, reflecting a steady upward trajectory. The bank's net interest income also rose from 1,916.49 Cr in Mar'22 to 2,315.71 Cr in Mar'25. Total income saw a significant increase from 4,863.86 Cr in Mar'22 to 6,732.10 Cr in Mar'25, indicating strong operational performance. Profit before tax improved from 985.17 Cr in Mar'22 to 1,416.63 Cr in Mar'25, while profit after tax increased from 760.17 Cr to 1,123.63 Cr over the same period. The bank's total liabilities grew from 61,530.92 Cr in Mar'22 to 77,623.21 Cr in Mar'25, driven by a rise in deposits from 47,689.67 Cr to 63,525.95 Cr. Additionally, the capital adequacy ratio improved from 20.85% in Mar'22 to 23.75% in Mar'25, reflecting a stronger capital position. However, the net NPAs decreased from 1,191.10 Cr in Mar'22 to 653.07 Cr in Mar'25, showcasing improved asset quality. Despite a decrease in cash and cash equivalents from 6,686.00 Cr in Mar'22 to 5,290.00 Cr in Mar'25, the overall financial health of the bank appears robust, with a growing earnings per share from 10.28 in Mar'22 to 15.16 in Mar'25.

Is City Union Bank technically bullish or bearish?

As of October 20, 2025, City Union Bank's technical trend is bullish, supported by strong indicators like a bullish MACD and Bollinger Bands, despite some mixed signals from KST and Dow Theory.

As of 20 October 2025, the technical trend has changed from mildly bullish to bullish. The current technical stance for City Union Bank is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and Bollinger Bands also indicate a bullish trend on both time frames. Daily moving averages confirm a bullish stance as well. However, the KST shows a mildly bearish signal on the weekly, and Dow Theory reflects a mildly bullish stance on the weekly but mildly bearish on the monthly. Overall, the strength of the bullish trend is supported by the positive price action, with the stock recently closing above its previous close and near its 52-week high.

Who are the top shareholders of the City Union Bank?

The top shareholders of City Union Bank include mutual funds with 27.99%, Foreign Institutional Investors holding 28.03%, and individual investors at 30.21%. SBI Mutual Fund is the largest public shareholder with a 7.86% stake, and there are no pledged promoter holdings.

The top shareholders of City Union Bank include a diverse mix of institutional and individual investors. Notably, mutual funds hold a significant portion, with 24 schemes collectively owning 27.99% of the bank's shares. Foreign Institutional Investors (FIIs) also play a substantial role, holding 28.03%. Among public shareholders, SBI Mutual Fund is the largest, with a stake of 7.86%. Additionally, individual investors account for 30.21% of the total shareholding. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

Has City Union Bank declared dividend?

Yes, City Union Bank has declared a 150% dividend, amounting to ₹1.5 per share, with an ex-date of August 9, 2024. The bank has shown strong total returns over various periods, with a notable 38.56% return over the past year.

City Union Bank Ltd. has declared a 150% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 150%<BR>- Amount per share: 1.5<BR>- Ex-date: 09 Aug 24<BR><BR>Dividend Yield: 0.76%.<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 8.12%, with no dividend return, resulting in a total return of 8.12%.<BR><BR>For the 1-year period, the price return was 37.56%, with a dividend return of 1.00%, leading to a total return of 38.56%.<BR><BR>Over the 2-year period, the price return was 59.39%, with a dividend return of 2.01%, culminating in a total return of 61.4%.<BR><BR>In the 3-year period, the price return was 42.77%, with a dividend return of 2.84%, resulting in a total return of 45.61%.<BR><BR>For the 4-year period, the price return was 20.29%, with a dividend return of 2.16%, leading to a total return of 22.45%.<BR><BR>In the 5-year period, the price return was 47.35%, with a dividend return of 3.22%, resulting in a total return of 50.57%.<BR><BR>Overall, City Union Bank has declared a significant dividend, and the total returns over various periods indicate a strong performance, particularly over the longer term, reflecting both price appreciation and dividend contributions.