City Union Bank Limited, Fundamental analysis

Industry Industry name	Banks
Variance Full Year Net Profit Variance	18
Equity Latest Equity	99.08
Face Value Latest Face Value	1
Reserves Total Reserve	10465.79
Dividend Full Year Dividend %	200
Sales Turnover Full Year Net Sales	7908.59
Net Profit Full Year Net Profit	1326.23
Full Year CPS Full Year Cash Per Share	13.4
Earning Per Share Full Year Earning Per Share	13.4
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2146.09
Previous EPS Previous earnings per share	0
Book Value Book value	106.6
Networth Full Year Return on Networth	12.58
Price/Book Value Price to Book value	2.073171
Yearly PE ratio Full Year Price to Earning per share	16.5
Yearly PC ratio Full Year Price to Cash Per Share	16.5
Bse value BSE Value in lakhs	108.99
Nse value NSE Value in lakhs	1954.52
High 52 week high	240
Low 52 week low	145
Price NSE Current market price	221
CPM Current market price	221

Market cap BSE / NSE Market Cap	21861.72
Net profit Latest Quarter Net Profit	359.56
Net profit variance Latest Quarter Net Profit variance	25
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	6309.5
TTM OP Trailing Twelve 12 month Operating Profit	4663.3
TTM OPM Trailing Twelve 12 month Operating Profit Margin	73.91
TTM GP Trailing Twelve 12 month Gross Profit	1671.23
TTM GPM Trailing Twelve 12 month Gross Profit Margin	21.13
TTM NP Trailing Twelve 12 month Net Profit	1057.52
TTM NPV Trailing Twelve 12 month Net Profit Variane	18.04
TTM EPS Trailing Twelve 12 month EPS	13.39
TTM PE Trailing Twelve 12 month PE	16.48
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	99.08
LTP Latest Price (BSE/NSE)	221
Gross block Latest Gross Block	1155.29
Loans Total loans	63525.95
Advances Latest Advances for Banks	52081.25
Net profit asset Latest Assets	653.07
Year OPM Full Year Operating Profit Margin	59.1
Year GPM Full Year Gross Profit Margin	21.1
Quarter OPM Latest quater Operation Profit Margin	71.3

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	1,389	1,434	1,479	1,533	1,605	1,653	1,756	1,856
YOY Sales Growth %	10%	10%	11%	12%	16%	15%	19%	21%
Gross Sales	1,389	1,434	1,479	1,533	1,605	1,653	1,756	1,856
+ Expenses	403	451	455	489	488	512	580	617
Manufacturing Cost %	14%	14%	14%	14%	14%	14%	14%	14%
Employee Cost %	13%	13%	12%	13%	12%	14%	13%	13%
Other Cost %	3%	5%	5%	5%	4%	3%	5%	6%
Other Manufacturing Expenses %	14%	14%	14%	14%	14%	14%	14%	14%
Provisions & Contingencies %	3%	5%	5%	5%	4%	3%	5%	6%
Operating Profit	986	983	1,024	1,044	1,117	1,141	1,175	1,239
OPM %	71%	69%	69%	68%	70%	69%	67%	67%
+ Other Income	192	226	228	251	244	259	245	290
Miscellaneous Income	192	226	228	251	244	259	245	290
Interest / Discount on Advances or Bills	1,086	1,143	1,199	1,243	1,290	1,332	1,435	1,515
Interest on Investments	262	271	269	271	286	288	294	311
Interest on Balances with RBI	38	16	9	16	26	29	26	29
Other Interest	2	3	2	2	2	5	2	0
Interest	843	851	891	932	980	987	1,004	1,070
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	334	358	361	363	381	414	417	460
+ Tax %	21%	20%	21%	21%	20%	21%	20%	22%
Current Tax	70	73	75	75	75	85	85	100
Net Profit	264	285	286	288	306	329	332	360
EPS in Rs

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	2,944	3,174	3,402	3,767	4,169	4,135	4,105	4,714	5,271	5,834
Sales Growth %		8%	7%	11%	11%	-1%	-1%	15%	12%	11%
Gross Sales	2,944	3,174	3,402	3,767	4,169	4,135	4,105	4,714	5,271	5,834
+ Expenses	788	990	1,172	1,201	1,769	1,826	1,690	1,796	1,634	1,797
Manufacturing Cost %	2%	2%	2%	2%	2%	2%	3%	2%	3%	3%
Employee Cost %	7%	9%	9%	10%	10%	11%	12%	11%	12%	13%
Other Cost %	18%	20%	23%	20%	30%	31%	26%	24%	16%	15%
Other Manufacturing Expenses %	2%	2%	2%	2%	2%	2%	3%	2%	3%	3%
Selling & Administration %	6%	6%	6%	7%	6%	6%	6%	6%	6%	6%
Miscellaneous Expenses %	10%	12%	15%	12%	22%	23%	18%	17%	9%	8%
Provisions & Contingencies %	8%	9%	12%	8%	18%	19%	15%	14%	5%	4%
Operating Profit	2,156	2,184	2,230	2,566	2,400	2,309	2,414	2,919	3,636	4,037
OPM %	73%	69%	66%	68%	58%	56%	59%	62%	69%	69%
+ Other Income	410	484	532	514	680	689	759	810	742	898
Miscellaneous Income	410	484	532	514	680	695	759	810	742	898
Interest / Discount on Advances or Bills	2,368	2,590	2,840	3,178	3,495	3,508	3,454	3,801	4,153	4,672
Interest on Investments	541	539	523	554	610	583	631	835	959	1,073
Interest on Balances with RBI	13	27	23	23	55	37	16	75	154	80
Other Interest	23	18	17	13	9	7	4	3	4	8
Interest	1,963	1,975	1,972	2,156	2,493	2,305	2,188	2,552	3,147	3,518
Depreciation	52	53	52	62	79	87	85	73	75	82
Profit before tax	603	693	790	925	586	693	985	1,177	1,231	1,417
+ Tax %	26%	27%	25%	26%	19%	14%	23%	20%	17%	21%
Current Tax	151	180	217	272	232	196	166	206	197	264
Deferred Tax	7	10	-19	-30	-122	-96	59	34	18	29
+ Net Profit	445	503	592	683	476	593	760	937	1,016	1,124
Profit Growth %		13%	18%	15%	-30%	24%	28%	23%	8%	11%
EPS in Rs

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	60	60	66	73	74	74	74	74	74	74
Reserves	2,992	3,510	4,097	4,767	5,222	5,769	6,512	7,383	8,327	9,393
+ Borrowings	27,823	30,647	34,589	38,929	42,865	45,883	53,001	57,086	60,381	65,695
Secured Borrowings	665	531	1,736	481	2,032	1,346	5,312	4,688	4,724	2,169
Unsecured Borrowings	27,158	30,116	32,853	38,448	40,832	44,537	47,690	52,398	55,657	63,526
Deferred Credit	0	0	0	0	0	0	0	205	0	0
+ Other Liabilities	929	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461
Current Liabilities	929	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461
Total Liabilities	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623
+ Fixed Assets	218	215	223	250	245	233	215	239	270	322
Gross Block	493	543	603	690	759	797	860	939	1,036	1,155
Accumulated Depreciation	275	328	380	440	514	565	646	700	765	833
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	6,826	7,031	7,879	7,712	9,117	9,436	12,221	14,333	15,664	17,336
+ Other Assets	24,760	28,024	31,835	37,297	40,372	43,643	49,095	52,023	54,891	59,965
Cash Equivalents	2,650	2,879	2,636	2,963	4,722	5,615	6,687	6,649	6,944	5,291
Loans n Advances	22,110	25,145	29,199	34,333	35,650	38,028	42,408	45,373	47,948	54,674
Other asset items	0	0	0	0	0	0	0	0	0	0
Total Assets	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	248	284	-183	419	1,836	922	1,166	724	436	1,128
Profit Before Tax & Extraordinary Items	445	503	592	683	476	593	760	937	1,016	1,124
Depreciation	52	53	52	62	79	87	85	73	75	82
Profit / Loss on Sale of Assets	0	0	0	-3	0	0	0	0	0	0
Profit / Loss on Sale of Investments	-45	-108	-94	-33	-160	-233	-62	-43	-52	55
Provisions & Write-offs (Net)	389	491	616	557	865	891	835	881	501	555
Profit / Loss in Forex	-81	-98	-74	-54	-85	-92	-195	-152	-72	-38
Change in Borrowing	496	-134	1,205	-1,255	1,551	-687	3,966	0	0	0
Change in Deposits	3,083	2,958	2,737	5,595	2,385	3,705	3,152	4,708	3,259	7,869
Direct Taxes Paid	31	-99	-117	-192	36	-67	-21	-193	-163	-204
+ Cash from Investing Activity	-60	-50	-61	-87	-60	-38	-63	-72	-106	-120
Purchase of Fixed Assets	-60	-51	-61	-89	-75	-76	-77	-99	-168	-198
Sale of Fixed Assets	0	1	1	3	15	38	14	27	62	78
+ Cash from Financing Activity	-75	-4	1	-5	-18	10	-31	-690	-36	-2,662
Proceeds from Issue of Shares	4	15	25	21	23	11	7	8	3	4
Proceeds from Bank Borrowings	0	0	0	0	0	0	0	0	36	0
Repayment of Long-Term Borrowings	0	0	0	0	0	0	0	-624	0	-2,555
Dividend Paid	-66	-17	-20	-22	-37	-2	-38	-74	-74	-111
Others	-13	-2	-4	-5	-5	0	0	0	0	0
Net Cash Flow	113	229	-243	327	1,758	893	1,072	-38	294	-1,653