City Union Bank Limited

NSE: CUB BSE: 532210 SECTOR: Financial Services - Banks

220 3(-1%)

Volume

12L as on 22, Jul

Open

214

High

173

Low

172

224

VWAP

225

52 Week High

243

52 Week Low

145

Viand Research Rating

Quality Score

46/100

Growth Score

10/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

21,844

No. of Shares

74.3

P/E

10.56

P/B

1.26

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

11.91

ROCE

Profit Growth

Listing Date

25-Aug-98

Promoter Holding

FII Holding

23.37%

DII Holding

40.73%

Price Chart

Price Performance

1 Week2%

1 Month13%

3 Months17%

6 Months21%

1 Year4%

YTD23%

Moving Average

5 Day SMA225

10 Day SMA225

20 Day SMA219

30 Day SMA212

50 Day SMA202

61 Day SMA207

80 Day SMA218

200 Day SMA245

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	245	233	239	243
Resistance 2	239	232	236	239
Resistance 1	235	231	233	233
Pivot Point	230	230	230	229
Support 1	225	229	226	223
Support 2	220	228	223	219
Support 3	215	227	220	214

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	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	Mar 2022	Dec 2021	Sep 2021
FIIs	(-0.11) 23.37%	(-2.51) 23.49%	(-1.41) 25.96%	(-0.71) 27.38%	(0.61) 28.04%	(1.41) 27.44%	(-0.41) 26.01%	(-0.51) 26.44%	(0.31) 26.95%	(2.91) 26.60%	(-1.71) 23.66%	(0.41) 25.33%	(1.21) 24.95%	(2.41) 23.75%	(3.21) 21.32%	(0.01) 18.16%	(2.11) 18.12%	(-0.11) 16.00%	(0.01) 16.14%
DIIs	(0.51) 40.73%	(3.51) 40.23%	(1.51) 36.75%	(2.21) 35.23%	(-0.51) 33.07%	(0.01) 33.59%	(1.01) 33.57%	(3.11) 32.55%	(-2.91) 29.50%	(-0.81) 32.39%	(0.11) 33.18%	(-3.11) 33.12%	(-1.61) 36.18%	(-2.41) 37.74%	(-1.51) 40.14%	(0.41) 41.65%	(-2.71) 41.22%	(1.81) 43.94%	(0.01) 42.11%
Public	35.90%	36.26%	37.27%	37.40%	38.90%	38.98%	40.42%	41.00%	43.55%	41.01%	43.15%	41.54%	38.85%	38.53%	38.54%	40.19%	40.66%	40.06%	41.75%
No. of Shareholders	207,495	215,430	209,805	210,298	223,585	228,001	234,222	229,943	248,815	216,019	208,812	184,778	148,027	145,083	135,282	147,999	153,331	148,214	144,606

Quarterly Results

	Mar 2026	Dec 2025	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	Mar 2022	Dec 2021	Sep 2021
Sales	1856	1756	1653	1605	1533	1479	1434	1389	1374	1326	1304	1266	1228	1206	1181	1099	1050	1035	1022
Sales Growth % (YoY)	21.1%	18.7%	15.3%	15.6%	11.5%	11.5%	10%	9.7%	11.9%	10%	10.4%	15.2%	17%	16.5%	15.6%	10.2%	7.5%	-1.2%	-
Sales Growth % (QoQ)	5.7%	6.2%	3%	4.7%	3.7%	3.1%	3.2%	1.1%	3.6%	1.7%	3%	3.1%	1.8%	2.1%	7.5%	4.7%	1.4%	1.3%	-
Expenses	617	580	512	488	489	455	451	403	402	391	390	452	451	507	390	447	435	404	424
Operating Profit	169	172	154	137	112	133	132	142	145	125	149	71	63	49	178	78	66	86	54
OPM %	9	10	9	9	7	9	9	10	11	9	11	6	5	4	15	7	6	8	5
Other Income	290	245	259	244	251	228	226	192	175	193	182	191	195	224	173	218	203	160	203
Interest	1070	1004	987	980	932	891	851	843	828	810	766	744	714	650	613	575	549	545	544
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	460	417	414	381	363	361	358	334	320	318	331	262	258	273	351	295	269	246	257
Tax %	22	20	21	20	21	21	20	21	20	20	15	13	16	20	21	24	22	20	29
Net Profit	360	332	329	306	288	286	285	264	255	253	281	227	218	218	276	225	209	196	182
Net Profit Growth % (QoQ)	8.4%	0.9%	7.5%	6.2%	0.7%	0.4%	8%	3.5%	0.8%	-10%	23.8%	4.1%	-	-21%	22.7%	7.7%	6.6%	7.7%	-
Net Profit Growth % (YoY)	25%	16.1%	15.4%	15.9%	12.9%	13%	1.4%	16.3%	17%	16.1%	1.8%	0.9%	4.3%	11.2%	51.6%	-	-	-	-
TTM Net Profit	1327	1255	1209	1165	1123	1090	1057	1053	1016	979	944	939	937	928	906	812	587	378	0
EPS in Rs	4.84	4.48	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	2.83	2.65	2.46

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	6870	5834	5271	4714	4105	4135	4169	3767	3402	3174	2944	2699	2546	2189
Sales Growth %	17.8%	10.7%	11.8%	14.8%	-0.7%	-0.8%	10.7%	10.7%	7.2%	7.8%	9.1%	6%	16.3%	29%
Expenses	2197	1716	1559	1723	1605	1738	1690	1140	1120	937	736	655	588	470
Operating Profit	632	600	564	440	311	92	-15	472	310	262	245	153	171	154
OPM %	9	10	11	9	8	2	0	13	9	8	8	6	7	7
Other Income	1039	898	742	810	759	689	680	514	532	484	410	415	280	274
Interest	4040	3518	3147	2552	2188	2305	2493	2156	1972	1975	1963	1891	1787	1565
Depreciation	0	82	75	73	85	87	79	62	52	53	52	47	38	25
Profit before tax	1671	1417	1231	1177	985	693	586	925	790	693	603	521	414	403
Tax %	21	21	17	20	23	14	19	26	25	27	26	24	16	20
Net Profit	1326	1124	1016	937	760	593	476	683	592	503	445	395	347	322
Net Profit Growth %	18%	10.6%	8.4%	23.3%	28.2%	24.6%	-30.3%	15.4%	17.7%	13%	12.7%	13.8%	7.8%	-
EPS in Rs	17.85	15.16	13.71	12.66	10.28	8.02	6.46	9.3	8.1	6.91	6.14	5.47	5.29	4.94
Dividend Payout %	11	13	11	8	10	6	8	5	3	4	16	17	16	15

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	802	1128	436	724	1166	922	1836	419	-183	284	248	131	412	618
Cash from Investing Activity	-208	-120	-106	-72	-63	-38	-60	-87	-61	-50	-60	-64	-79	-68
Cash from Financing Activity	3042	-2662	-36	-690	-31	10	-18	-5	1	-4	-75	291	76	84
Net Cash Flow	3637	-1653	294	-38	1072	893	1758	327	-243	229	113	357	409	634

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	74	74	74	74	74	74	74	74	74	73	66	60	60	60	54	47
Reserves	10491	9852	9393	8806	8327	7383	6512	5769	5222	4767	4097	3510	2992	2636	1971	1593
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	2825	2808	2461	2570	2044	2051	1944	1586	1573	1489	1186	1054	929	932	647	555
Total Liabilities	97024	84402	77623	71366	70826	66595	61531	53312	49734	45259	39937	35271	31804	27871	24994	22977
Fixed Assets	469	388	322	293	270	239	215	233	245	250	223	215	218	210	183	141
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	18987	17519	17336	16453	15664	14333	12221	9436	9117	7712	7879	7031	6826	5871	5954	5267
Other Assets	77569	66496	59965	54620	54891	52023	49095	43643	40372	37297	31835	28024	24760	21790	18857	17569
Total Assets	97024	84402	77623	71366	70826	66595	61531	53312	49734	45259	39937	35271	31804	27871	24994	22977

Delivery

#	Date	195 35% 262	Value (Cr)	Q/T 58	Del 59	Del 45
1	22-Jul	224	28	61	58	16
2	21-Jul	230	110	62	51	56
3	20-Jul	225	25	42	44	11
4	17-Jul	225	40	72	59	23
5	16-Jul	221	20	35	49	9
6	15-Jul	220	57	58	67	38
7	14-Jul	221	26	40	55	14
8	13-Jul	225	29	49	57	17
9	10-Jul	229	61	63	59	36
10	9-Jul	229	68	72	51	34
11	8-Jul	220	84	53	57	48
12	7-Jul	228	88	78	47	41
13	6-Jul	225	60	57	50	30
14	3-Jul	217	32	49	53	17
15	2-Jul	218	94	59	65	61
16	1-Jul	216	83	67	56	46
17	30-Jun	209	79	49	57	45
18	29-Jun	202	128	86	52	66
19	25-Jun	199	78	74	55	43
20	24-Jun	205	73	90	49	36
21	23-Jun	198	30	65	50	15
22	22-Jun	198	23	61	41	10
23	19-Jun	197	25	55	57	14
24	18-Jun	198	50	85	56	28
25	17-Jun	200	78	64	57	45
26	16-Jun	205	71	88	52	37
27	15-Jun	199	94	73	57	53
28	12-Jun	202	139	78	34	47
29	11-Jun	257	81	68	63	51
30	10-Jun	253	90	65	66	60
31	9-Jun	256	118	99	70	82
32	8-Jun	247	42	43	56	23
33	5-Jun	245	32	18	57	18
34	4-Jun	246	39	49	65	25
35	3-Jun	249	37	52	52	19
36	2-Jun	250	30	62	44	13
37	1-Jun	254	44	53	55	24
38	29-May	255	35	46	58	21
39	27-May	254	22	39	59	13
40	26-May	254	46	55	58	27
41	25-May	250	22	33	63	14
42	22-May	249	18	41	40	7
43	21-May	252	35	54	55	19
44	20-May	250	50	58	83	42
45	19-May	251	32	61	55	18
46	18-May	249	26	29	51	13
47	15-May	251	38	39	49	19
48	14-May	247	28	50	52	15

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	21,844c	350c	1.58
22-Jul	22,194c	486c	2.14
21-Jul	22,679c	435c	1.96
17-Jul	22,244c	348c	1.59
16-Jul	21,896c	27c	0.12
15-Jul	21,870c	184c	0.84
14-Jul	22,054c	280c	1.26
13-Jul	22,334c	208c	0.92
10-Jul	22,542c	285c	1.25
09-Jul	22,828c	730c	3.30
08-Jul	22,098c	698c	3.06
07-Jul	22,795c	478c	2.14
06-Jul	22,318c	845c	3.94
02-Jul	21,472c	32c	0.15
01-Jul	21,441c	817c	3.96
30-Jun	20,623c	595c	2.97
29-Jun	20,029c	203c	1.02
26-Jun	19,826c	59c	0.30
25-Jun	19,885c	367c	1.81
24-Jun	20,252c	699c	3.57
23-Jun	19,553c	5c	0.03
22-Jun	19,548c	89c	0.46
19-Jun	19,459c	213c	1.08
18-Jun	19,672c	258c	1.29
17-Jun	19,930c	391c	1.93
16-Jun	20,321c	5,511c	37.21
15-Jun	14,810c	175c	1.17
12-Jun	14,984c	4,243c	22.07
11-Jun	19,228c	368c	1.95
10-Jun	18,860c	0	0

Stock Checklist

Price is above from 52 week high low average: 54%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 245 fund scheme(s) across 36 fund house(s) as of Jul26 · Total value ₹31,174 Cr · 15 increasing / 53 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Asset Management Company Limited	5	2.85%	+2.85%	8737.9
Aditya Birla Sun Life Mutual Fund	16	13.05%	-	4510.1
ICICI Prudential Mutual Fund	6	1.30%	-0.72%	3509.1
HDFC Mutual Fund	16	0.93%	-0.04%	2639.8
Kotak Mahindra Mutual Fund	10	464.06%	+1.05%	2264.6
SBI Mutual Fund	6	2.90%	-	2155.5
HSBC Mutual Fund	14	1.63%	-	1336.7
Axis Mutual Fund	16	5.24%	-	1179.9
Edelweiss Mutual Fund	14	1.91%	-	1091.4
Nippon India Mutual Fund	8	0.43%	-	634.3
Canara Robeco Mutual Fund	4	1.58%	-	583.1
Franklin Templeton Mutual Fund	6	0.86%	-0.01%	547.5
Tata Mutual Fund	6	1.98%	-	312.2
Motilal Oswal Mutual Fund	10	1.61%	-	224
UTI Mutual Fund	6	1.98%	-	197.7
WhiteOak Capital Mutual Fund	16	20.31%	-0.07%	192.5
PGIM India Mutual Fund	4	0.67%	-	164.3
Bank of India Mutual Fund	4	23.82%	-	131
Bandhan Mutual Fund	12	157.73%	-	104.1
Trust Mutual Fund	6	5.89%	-0.69%	99.5
DSP Mutual Fund	6	3.16%	-	97.4
ITI Mutual Fund	8	1.17%	-0.05%	97.4
Union Mutual Fund	4	11.08%	-	86.5
Helios Mutual Fund	6	1.27%	-0.20%	69
Sundaram Mutual Fund	2	3.05%	-0.01%	64.3
Baroda BNP Paribas Mutual Fund	4	2.58%	-	62.1
Groww Mutual Fund	8	3.73%	-	27.2
JM Financial Mutual Fund	2	1.75%	-	23.8
LIC Mutual Fund	2	1.02%	-	13.5
Jio BlackRock Mutual Fund	3	0.44%	-	9.7
Quantum Mutual Fund	2	1.21%	-0.16%	5.9
Navi Mutual Fund	6	3.10%	-	1.9
Angel One Mutual Fund	2	0.09%	-	0.1
Mirae Asset Mutual Fund	2	0.09%	-	0.1
Zerodha Mutual Fund	1	0.47%	-0.05%	0
Samco Mutual Fund	2	0.00%	-1.32%	0

City Union Bank Limited

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