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Swing Capital

City Union Bank Ltd

NSE: CUB BSE: 532210Banking

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )

₹249
52W: ₹184 — ₹324
PE 14 · Book ₹142 · +75% vs book
Market Cap₹18,499 Cr
Stock P/E14Price to Earnings
ROCE6.74%Return on Capital
ROE13.2%Return on Equity
Div. Yield0.81%Face Value ₹1

Strengths

  • +Company's working capital requirements have reduced from 180 days to 138 days

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 10.7% over past five years.
  • −Company has a low return on equity of 12.9% over last 3 years.
  • −Contingent liabilities of Rs.10,792 Cr.
  • −Company might be capitalizing the interest cost
  • −Dividend payout has been low at 11.8% of profits over last 3 years

Shareholding Pattern

Promoters0%
FIIs23.37%
DIIs40.73%
Public35.9%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters0%0%0%0%0%0%0%0%
FIIs26.44%26.01%▼0.427.44%▲1.428.04%▲0.627.38%▼0.725.96%▼1.423.49%▼2.523.37%▼0.1
DIIs32.55%33.57%▲1.033.59%▲0.033.07%▼0.535.23%▲2.236.75%▲1.540.23%▲3.540.73%▲0.5
Public41%40.42%▼0.638.98%▼1.438.9%▼0.137.4%▼1.537.27%▼0.136.26%▼1.035.9%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses391402403451455489488512580617
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit253255264285286288306329332360
EPS ₹3.423.443.573.853.863.894.134.434.484.84

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 40.73% (+7.61pp change). FIIs: 23.37% (-1.96pp change). Promoters hold 0%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 14x with 6.74% ROCE. Price is 75% above book value of ₹142. Dividend yield: 0.81%.

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