Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CUB.NS
HoldHot AirCity Union Bank Limited · Financial Services · India · $2.4B · Avg Vol: $6M/d
47
StockRankGet insider-trade alerts
Q
47
V
25
M
69
P/E (TTM)
16.4x
ROE
12.6%
D/E
0.5x
Dividend %
0.9%
COMPANY DESCRIPTION
City Union Bank Limited provides various banking products and services in India. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29.7B | 28.7B | 32.1B | 38.6B | 9.1% | 37.3B | 47.3B | 55.7B | 20.0% |
| EPS (INR) | 9.50 | 10.29 | 11.38 | 13.41 | 12.2% | 14.21 | 16.57 | 19.41 | 20.3% |
| Shares | 987.2M | 987.6M | 988.0M | 990.7M | +0.4% | 990.8M | — | — | — |
| Debt | 46.9B | 33.7B | 17.9B | 48.3B | 1.0% | 53.5B | — | — | — |
| Equity | 74.6B | 84.0B | 94.7B | 105.6B | 12.3% | — | — | — | — |
| Op CF | 7.2B | 4.4B | 11.3B | 8.0B | 3.5% | 8.1B | — | — | — |
| Inv CF | -718.8M | -1.1B | -1.2B | -2.1B | — | — | — | — | — |
| Fin CF | -6.9B | -355.3M | -26.6B | 30.4B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+11.1%
SMA 50SMA 200
Close
$2.38
RSI (14)
62.2
52W High
$2.60
From 52W High
0.9%
SCORE BREAKDOWN
Quality
47
ROIC (ROA)
1.4%*46.3
ROE
12.6%63.3
GP/Assets
3.8%N/A
Op. Margin
51.0%71.1
FCF/Assets
0.5%N/A
Piotroski
28.9
Int. Cover
—50.0
D/E Ratio
0.46xN/A
Current Ratio
bankN/A
Value
25
P/E (TTM)
16.4x33.5
EV/EBITDA
bankN/A
P/FCF
51.5xN/A
P/B
2.2x23.3
P/S
6.2x26.5
Div Yield
0.9%8.7
Momentum
69
52W High %
91%52.0
RS 6M
34%93.8
SMA 50/200
1.08x66.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+37%67.0
Q Growth
25%57.2
FUNDAMENTALS
Market Cap
$2.4B
P/E (Forward)
12.0x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CUB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CUB.NS | City Union Bank Limited(you) | $2.4B | 47 | Hold |
| UCOBANK.NS | UCO Bank | $3.2B | 40 | Hold |
| CENTRALBK.NS | Central Bank of India | $3.0B | 57 | Hold |
| BANDHANBNK.NS | Bandhan Bank Limited | $2.9B | 32 | Sell |
| PSB.NS | Punjab & Sind Bank | $1.7B | 34 | Sell |
| IOB.NS | Indian Overseas Bank | $6.8B | 44 | Hold |
| RBLBANK.NS | RBL Bank Limited | $6.8B | 50 | Hold |
| J&KBANK.NS | Jammu and Kashmir Bank Limited | $1.7B | 66 | Buy |
| UJJIVANSFB.NS | Ujjivan Small Finance Bank Limited | $1.3B | 62 | Hold |
| KARURVYSYA.NS | The Karur Vysya Bank Limited | $3.5B | 69 | Buy |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%