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	1321.71
Full Year CPS Full Year Cash Per Share	14.4
Earning Per Share Full Year Earning Per Share	13.3
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2228.57
Previous EPS Previous earnings per share	0
Book Value Book value	106.6
Networth Full Year Return on Networth	13.24
Price/Book Value Price to Book value	2.148218
Yearly PE ratio Full Year Price to Earning per share	17.2
Yearly PC ratio Full Year Price to Cash Per Share	15.9
Bse value BSE Value in lakhs	244.2
Nse value NSE Value in lakhs	4640.32
High 52 week high	245
Low 52 week low	145
Price NSE Current market price	229
CPM Current market price	229

Market cap BSE / NSE Market Cap	22693.98
Net profit Latest Quarter Net Profit	382.57
Net profit variance Latest Quarter Net Profit variance	25
Result year Trailing latest month	Jun 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	1792.88
TTM GPM Trailing Twelve 12 month Gross Profit Margin	21.63
TTM NP Trailing Twelve 12 month Net Profit	1057.52
TTM NPV Trailing Twelve 12 month Net Profit Variane	20.41
TTM EPS Trailing Twelve 12 month EPS	14.16
TTM PE Trailing Twelve 12 month PE	16.18
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)	229
Gross block Latest Gross Block	1370.64
Loans Total loans	78307.95
Advances Latest Advances for Banks	65875.17
Net profit asset Latest Assets	449.42
Year OPM Full Year Operating Profit Margin	73.5
Year GPM Full Year Gross Profit Margin	22.4
Quarter OPM Latest quater Operation Profit Margin	74.8

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	1,434	1,479	1,533	1,605	1,653	1,756	1,856	1,985
YOY Sales Growth %	10%	11%	12%	16%	15%	19%	21%	24%
Gross Sales	1,434	1,479	1,533	1,605	1,653	1,756	1,856	1,985
+ Expenses	451	455	489	488	512	580	617	561
Manufacturing Cost %	14%	14%	14%	14%	14%	14%	14%	13%
Employee Cost %	13%	12%	13%	12%	14%	13%	13%	12%
Other Cost %	5%	5%	5%	4%	3%	5%	6%	4%
Other Manufacturing Expenses %	14%	14%	14%	14%	14%	14%	14%	13%
Provisions & Contingencies %	5%	5%	5%	4%	3%	5%	6%	4%
Operating Profit	983	1,024	1,044	1,117	1,141	1,175	1,239	1,424
OPM %	69%	69%	68%	70%	69%	67%	67%	72%
+ Other Income	226	228	251	244	259	245	290	244
Miscellaneous Income	226	228	251	244	259	245	290	244
Interest / Discount on Advances or Bills	1,143	1,199	1,243	1,290	1,332	1,435	1,515	1,629
Interest on Investments	271	269	271	286	288	294	311	315
Interest on Balances with RBI	16	9	16	26	29	26	29	41
Other Interest	3	2	2	2	5	2	0	0
Interest	851	891	932	980	987	1,004	1,070	1,165
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	358	361	363	381	414	417	460	503
+ Tax %	20%	21%	21%	20%	21%	20%	22%	24%
Current Tax	73	75	75	75	85	85	100	120
Net Profit	285	286	288	306	329	332	360	383
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	3,174	3,402	3,767	4,169	4,135	4,105	4,714	5,271	5,834	6,870
Sales Growth %		7%	11%	11%	-1%	-1%	15%	12%	11%	18%
Gross Sales	3,174	3,402	3,767	4,169	4,135	4,105	4,714	5,271	5,834	6,870
+ Expenses	990	1,172	1,201	1,769	1,826	1,690	1,796	1,634	1,797	2,197
Manufacturing Cost %	2%	2%	2%	2%	2%	3%	2%	3%	3%	3%
Employee Cost %	9%	9%	10%	10%	11%	12%	11%	12%	13%	13%
Other Cost %	20%	23%	20%	30%	31%	26%	24%	16%	15%	16%
Other Manufacturing Expenses %	2%	2%	2%	2%	2%	3%	2%	3%	3%	3%
Selling & Administration %	6%	6%	7%	6%	6%	6%	6%	6%	6%	6%
Miscellaneous Expenses %	12%	15%	12%	22%	23%	18%	17%	9%	8%	9%
Provisions & Contingencies %	9%	12%	8%	18%	19%	15%	14%	5%	4%	5%
Operating Profit	2,184	2,230	2,566	2,400	2,309	2,414	2,919	3,636	4,037	4,672
OPM %	69%	66%	68%	58%	56%	59%	62%	69%	69%	68%
+ Other Income	484	532	514	680	689	759	810	742	898	1,039
Miscellaneous Income	484	532	514	680	695	759	810	742	898	1,039
Interest / Discount on Advances or Bills	2,590	2,840	3,178	3,495	3,508	3,454	3,801	4,153	4,672	5,572
Interest on Investments	539	523	554	610	583	631	835	959	1,073	1,179
Interest on Balances with RBI	27	23	23	55	37	16	75	154	80	109
Other Interest	18	17	13	9	7	4	3	4	8	9
Interest	1,975	1,972	2,156	2,493	2,305	2,188	2,552	3,147	3,518	4,040
Depreciation	53	52	62	79	87	85	73	75	82	107
Profit before tax	693	790	925	586	693	985	1,177	1,231	1,417	1,671
+ Tax %	27%	25%	26%	19%	14%	23%	20%	17%	21%	21%
Current Tax	180	217	272	232	196	166	206	197	264	314
Deferred Tax	10	-19	-30	-122	-96	59	34	18	29	31
+ Net Profit	503	592	683	476	593	760	937	1,016	1,124	1,326
Profit Growth %		18%	15%	-30%	24%	28%	23%	8%	11%	18%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	60	66	73	74	74	74	74	74	74	74
Reserves	3,510	4,097	4,767	5,222	5,769	6,512	7,383	8,327	9,393	10,491
+ Borrowings	30,647	34,589	38,929	42,865	45,883	53,001	57,086	60,381	65,695	83,635
Secured Borrowings	531	1,736	481	2,032	1,346	5,312	4,688	4,724	2,169	5,327
Unsecured Borrowings	30,116	32,853	38,448	40,832	44,537	47,690	52,398	55,657	63,526	78,308
Deferred Credit	0	0	0	0	0	0	205	0	0	474
+ Other Liabilities	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461	2,825
Current Liabilities	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461	2,825
Total Liabilities	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	97,024
+ Fixed Assets	215	223	250	245	233	215	239	270	322	469
Gross Block	543	603	690	759	797	860	939	1,036	1,155	1,371
Accumulated Depreciation	328	380	440	514	565	646	700	765	833	902
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	7,031	7,879	7,712	9,117	9,436	12,221	14,333	15,664	17,336	18,987
+ Other Assets	28,024	31,835	37,297	40,372	43,643	49,095	52,023	54,891	59,965	77,569
Cash Equivalents	2,879	2,636	2,963	4,722	5,615	6,687	6,649	6,944	5,291	8,927
Loans n Advances	25,145	29,199	34,333	35,650	38,028	42,408	45,373	47,948	54,674	68,642
Other asset items	0	0	0	0	0	0	0	0	0	0
Total Assets	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	97,024

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	284	-183	419	1,836	922	1,166	724	436	1,128	802
Profit Before Tax & Extraordinary Items	503	592	683	476	593	760	937	1,016	1,124	1,326
Depreciation	53	52	62	79	87	85	73	75	82	107
Profit / Loss on Sale of Assets	0	0	-3	0	0	0	0	0	0	-4
Profit / Loss on Sale of Investments	-108	-94	-33	-160	-233	-62	-43	-52	55	75
Provisions & Write-offs (Net)	491	616	557	865	891	835	881	501	555	688
Profit / Loss in Forex	-98	-74	-54	-85	-92	-195	-152	-72	-38	-61
Change in Borrowing	-134	1,205	-1,255	1,551	-687	3,966	0	0	0	0
Change in Deposits	2,958	2,737	5,595	2,385	3,705	3,152	4,708	3,259	7,869	14,782
Direct Taxes Paid	-99	-117	-192	36	-67	-21	-193	-163	-204	-243
+ Cash from Investing Activity	-50	-61	-87	-60	-38	-63	-72	-106	-120	-208
Purchase of Fixed Assets	-51	-61	-89	-75	-76	-77	-99	-168	-198	-353
Sale of Fixed Assets	1	1	3	15	38	14	27	62	78	145
+ Cash from Financing Activity	-4	1	-5	-18	10	-31	-690	-36	-2,662	3,042
Proceeds from Issue of Shares	15	25	21	23	11	7	8	3	4	32
Proceeds from Bank Borrowings	0	0	0	0	0	0	0	36	0	3,157
Repayment of Long-Term Borrowings	0	0	0	0	0	0	-624	0	-2,555	0
Dividend Paid	-17	-20	-22	-37	-2	-38	-74	-74	-111	-148
Others	-2	-4	-5	-5	0	0	0	0	0	0
Net Cash Flow	229	-243	327	1,758	893	1,072	-38	294	-1,653	3,637