City Union Bank Limited share price

Key numbers

Market cap

₹ 22,349 Cr

Current price

₹ 225.57

52-week high / low

₹ 249 / 154

Stock P/E

16.0

Book value

₹ 106.6

Dividend yield

0.89%

ROCE

42.9%

ROE

13.2%

Debt to equity

0.46

Sales growth (3 yrs)

9.1%

Profit growth (3 yrs)

12.3%

1-year return

42.5%

About City Union Bank Limited

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. The company offers savings, current, staff salary, and resident foreign currency accounts; fixed, recurring, flexifix, desire, and income tax saver deposits; personal, gold, agricultural, consumer, home/housing, property, education, working capital, business, and foreign currency loans, as well as loans against property, gold-based overdraft, cash credits, bill finance, bank guarantee, and letter of credit; international business services, including export, import, FX retail, remittance, correspondent banking, and treasury risk management services; sovereign gold bonds; debit, prepaid, and credit cards; NRI banking products and services; and insurance products comprising life, health, and general insurance products, as well as social security schemes. It also provides tech products and services, such as net/online and mobile banking; cash and wealth management; electronic fund transfer; green pins; wallet; point of sale; and automated teller machines, as well as demat, bill payment,…

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-08-01)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• 405 crores and the Net NPA percentage is to 0.61% in 1QFY27 while the Net NPA was at 1.2 0% in 1QFY26 which is the reduction of 59 bps on Y-o-Y basis.
• Consequently, the yield on investments have declined to 6.42% in 1QFY27 from 6.61% in 4QFY26.

Growth & demand

• With respect to advances, we should be 2 %-3% over and above the credit growth of the industry.
• For 1QFY27 as well, we have achieved 25% credit growth quarter-on-quarter, the highest growth rate in June- to-June and our advances had increased to Rs.

Margins & costs

• Our cost of deposits stood at 5.56%, marginally lower than 5.6 0% in the previous quarter (i.e., 4QFY26), due to repricing benefits.
• With term deposit rates on the verge of rising due to high demand, we expect the cost of deposits may slightly increase in the next few quarters, which will impact NIM levels by around 5 bps; once the situation eases, it will come bac k to normal.

Balance sheet & cash

• Repricing, we have done better repricing and borrowing cost has come down.
• Sir, that is mainly because of the other borrowing and refinance, whatever we have.

Risks & challenges

• Broadly, the competition is there in all the spaces, not necessarily on gold loans, but every type of firm, whether it is banks or NBFC, typically they have their own customer base .
• We don't expect it to go up and hence we don't see much threat to gold loans from the competition at these junctures.

Peers in Banks - Regional

• HDFC Bank Limited
• ICICI Bank Limited
• State Bank of India
• Kotak Mahindra Bank Limited
• Axis Bank Limited
• Union Bank of India
• Punjab National Bank
• Bank of Baroda Limited
• Canara Bank
• Indian Bank