Is City Union Bank (CUB) overvalued or fairly valued?

MarketChacha shows City Union Bank's valuation in context — a forward P/E of about 12.0, a price-to-book of about 2.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is City Union Bank's revenue?

City Union Bank reported revenue of ₹2,820 Cr for FY2026, with net profit of ₹1,326 Cr, per official filings.

What is the share price of City Union Bank (CUB)?

City Union Bank last traded at ₹231.90 (+3.2% on the day), as of 7/21/2026 — a delayed quote shown for education, not investment advice.

City Union Bank

CUB · NSE · Banking · India

₹231.90+3.2%

Delayed · as reported by Yahoo Finance · as of Jul 21, 2026, 5:34 AM

Snapshot

TickerCUB

ExchangeNSE

SectorBanking

IndustryBanks - Regional

CountryIndia

HeadquartersKumbakonam, India

Market cap₹22,291 Cr

P/B2.1

Volume9.05L

Websitecityunionbank.bank.in

Filings tracked0

About City Union Bank

City Union Bank Limited provides various banking products and services in India. It operates in 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, and income tax saver deposits; personal and agricultural gold, personal, consumer, home/housing, property, education, working capital, business, and foreign currency loans, as well as loan 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 bond; 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, GST and TAX payments, and digital signature services. In addition, the company offers payments to government, including online taxes and electricity bill payment; agri related information, academic, and kiosk services; and support services, such as safe deposit locker facilities, value added, 24/7 customer care, and account aggregator. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in December 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

Profile as reported by Yahoo Finance.

Who owns it

Promoters6.8%
Institutions55.1%
Public & other38.1%

90 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Net margin trend43.3% → 47.0%

Margin has expanded by about 3.7 points — the business is getting more profitable.

Growth qualityrev 9% · PAT 12%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next fiscal year

Rev ₹4,026 Cr · EPS 18.68

Est. earnings growth +17.6%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹145.1352-wk range₹243.08

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹22,291 Cr

Day change

+3.2%

Fwd P/E

12.0

P/B

2.1

Div yield

0.89%

Beta

0.38

Revenue (FY2026)

₹2,820 Cr

Net margin

47.0%

Revenue CAGR (3y)

+9.2%

Profit CAGR (3y)

+12.3%

Net profit (FY2026)

₹1,326 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about CUB

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Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹2,820 Cr	₹1,326 Cr	47.0%
FY2025	₹2,316 Cr	₹1,124 Cr	48.5%
FY2024	₹2,123 Cr	₹1,016 Cr	47.8%
FY2023	₹2,163 Cr	₹937 Cr	43.3%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹786 Cr	₹360 Cr	45.8%
2025Q4	₹752 Cr	₹332 Cr	44.2%
2025Q3	₹667 Cr	₹329 Cr	49.3%
2025Q2	₹625 Cr	₹306 Cr	48.9%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.