City Union Bank Ltd
NSE: CUB BSE: 532210
₹283.05
(-2.60%)
Wed, 11 Mar 2026, 01:45 am
Market Cap210.51B
PE Ratio16.82
Dividend0.71
Finance
Regional Banks
24.5KCity Union Bank Analysis
dividend
- Dividends paid are thoroughly covered by earnings (20.4x coverage).
- Dividends per share have fallen over the past 10 years.
- Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
- City Union Bank's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
- City Union Bank's dividend is below the markets top 25% of dividend payers in India (3.08%).
health
- City Union Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- City Union Bank's liabilities are made up of primarily low risk sources of funding.
- City Union Bank has an acceptable proportion of non-loan assets held.
- Loans at City Union Bank are broadly funded by customer deposits.
- City Union Bank has a high level of bad loans (greater than 2%).
management
- N. V.'s remuneration is lower than average for companies of similar size in India.
- N. V.'s compensation has been consistent with company performance over the past year, both up more than 20%.
- The tenure for the City Union Bank management team is about average.
- The average tenure for the City Union Bank board of directors is less than 3 years, this suggests a new board.
misc
- City Union Bank is not covered by any analysts.
- City Union Bank has significant price volatility in the past 3 months.
past
- City Union Bank's year on year earnings growth rate has been positive over the past 5 years.
- City Union Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
- City Union Bank's 1-year earnings growth is less than its 5-year average (13.2% vs 13.8%)
- City Union Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- City Union Bank's earnings growth has not exceeded the IN Banks industry average in the past year (13.2% vs 21%).
value
- City Union Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- City Union Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- City Union Bank is overvalued based on assets compared to the IN Banks industry average.
- City Union Bank is overvalued based on earnings compared to the IN Banks industry average.
- City Union Bank is overvalued based on earnings compared to the India market.
- CUB underperformed the Banks industry which returned -37.5% over the past year.
- CUB underperformed the Market in India which returned -14.5% over the past year.
- NSEI:CUB is down -4.2% underperforming the Banks industry which returned 7.6% over the past month.
- NSEI:CUB is down -4.2% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800