Whalesbook: AI-Powered Stock Updates via WhatsApp

Stock Analysis

Description

City Union Bank is a private sector bank headquartered in Tamil Nadu, with a significant presence in South India, focusing on lending to MSME and Retail/Wholesale Trade.

Key Growth Triggers

Continued expansion of branch network across India.
Focus on digital initiatives and SME/MSME lending.
Secured USD 50 million from IFC for green financing for MSMEs.
Management guidance for mid-teen credit growth expected to outperform industry.

Order Book

Currently no data available for Order Book.

Key Red Flags

Received a demand order under the TNGST Act for ₹191.05 crore plus interest and penalty for FY 2021-22, which the bank plans to contest legally.

Key Dates To Watch

Trading window closure effective January 1, 2026, in anticipation of Q3 FY26 financial results.

Corporate Announcements

17th Apr 26

Impact Rating: 8

A crucial board meeting for City Union Bank is scheduled for April 27, 2026. The agenda includes approving audited standalone financial results for FY26, recommending dividend for FY26, and declaring bonus shares, subject to shareholder approval.

17th Apr 26

Impact Rating: 3

City Union Bank Limited announced the opening of its new branch in Kokapet, Hyderabad, Telangana, effective April 17, 2026. Following this expansion, the bank's total operational branches now stand at 964, underscoring its continued network growth.

16th Apr 26

Impact Rating: 5

City Union Bank announced the inauguration of four new branches on April 16, 2026, boosting its total network to 963 branches across various locations in India, as per SEBI regulations.

15th Apr 26

Impact Rating: 4

In line with SEBI Listing Regulations, City Union Bank announced the opening of three new branches on April 15, 2026. These new branches are situated in Barmer (Rajasthan), Zirakpur (Punjab), and Lucknow (Uttar Pradesh), bringing the bank's total operational branches to 959.

13th Apr 26

Impact Rating: 6

City Union Bank announced the opening of six new branches on April 13, 2026, located in various cities, bringing its total operational branches to 956.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	HDFC Bank	925.45	19.68	1423765.70	1.19	20363.77	10.01	86993.84	4.81	7.51	346185.22	42.61	72360.07	19610.67	2.64	1.74	6.30
2.	ICICI Bank	1418.40	19.03	1014465.35	0.78	14318.15	3.16	48180.91	4.00	7.87	192684.91	28.30	53300.25	13357.06	3.04	2.18	5.58
3.	Kotak Mah. Bank	421.00	22.54	418705.25	0.12	4468.27	-11.42	17198.74	4.70	8.17	67852.12	27.80	18574.23	4468.27	2.49	2.68	3.62
4.	Axis Bank	1298.80	15.52	403317.43	0.08	5566.56	-25.31	32309.77	2.24	7.11	129272.60	59.67	25988.99	5527.85	2.03	1.78	7.28
5.	IDBI Bank	104.85	12.14	112738.94	2.00	3240.77	73.56	7109.01	-4.51	6.78	28937.85	70.49	9284.32	3229.58	1.65	1.97	4.81
6.	IndusInd Bank	944.50	–	73583.73	0.00	-436.88	-132.82	11608.63	-8.49	6.47	47307.12	46.88	-759.35	-436.88	1.13	0.48	6.70
7.	Yes Bank	22.95	25.39	72014.74	0.00	664.31	17.25	7388.75	-4.50	6.36	30449.57	59.65	2836.87	664.31	1.46	0.59	7.29
8.	City Union Bank	276.50	16.98	20519.02	0.72	328.59	15.22	1653.13	15.29	6.86	6269.92	68.99	1208.47	328.59	2.06	1.51	7.22
–	Median: 20 Co.	256.85	15.41	24600.64	0.72	361.06	3.95	4430.65	4.75	6.95	17851.24	59.66	1413.43	361.06	1.39	1.35	7.29

Quarterly Results

Standalone figures in ₹ crores

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	390	507	451	452	390	391	402	403	451	455	489	488	512
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	173	224	195	191	182	193	175	192	226	228	251	244	259
Profit before tax	351	273	258	262	331	318	320	334	358	361	363	381	414
Tax %	21%	20%	16%	13%	15%	20%	20%	21%	20%	21%	21%	20%	21%
Net Profit	276	218	218	227	281	253	255	264	285	286	288	306	329
EPS in Rs	3.74	2.94	2.94	3.07	3.79	3.42	3.44	3.57	3.85	3.86	3.89	4.13	4.43

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	588	655	736	937	1,120	1,140	1,690	1,738	1,605	1,723	1,559	1,716	1,944
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	280	415	410	484	532	514	680	689	759	810	742	898	983
Interest	1,787	1,891	1,963	1,975	1,972	2,156	2,493	2,305	2,188	2,552	3,147	3,518	3,790
Depreciation	38	47	52	53	52	62	79	87	85	73	75	82	0
Profit before tax	414	521	603	693	790	925	586	693	985	1,177	1,231	1,417	1,518
Net Profit	347	395	445	503	592	683	476	593	760	937	1,016	1,124	1,208
EPS in Rs	5.29	5.47	6.14	6.91	8.10	9.30	6.46	8.02	10.28	12.66	13.71	15.16	16.31
Dividend Payout %	16%	17%	16%	4%	3%	5%	8%	6%	10%	8%	11%	13%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	54	60	60	60	66	73	74	74	74	74	74	74	74
Reserves	1,971	2,636	2,992	3,510	4,097	4,767	5,222	5,769	6,512	7,383	8,327	9,393	9,852
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	647	932	929	1,054	1,186	1,489	1,573	1,586	1,944	2,051	2,044	2,461	2,808
Total Liabilities	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	84,402
Fixed Assets	183	210	218	215	223	250	245	233	215	239	270	322	388
Gross Block	359.46	433.64	492.90	542.98	602.68	689.84	759.25	797.45	860.43	938.90	1,035.50	1,155.29	–
Accumulated Depreciation	176.50	223.23	275.35	327.90	379.55	439.81	514.09	564.76	645.78	699.58	765.13	832.95	–
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	5,954	5,871	6,826	7,031	7,879	7,712	9,117	9,436	12,221	14,333	15,664	17,336	17,519
Other Assets	18,857	21,790	24,760	28,024	31,835	37,297	40,372	43,643	49,095	52,023	54,891	59,965	66,496
Total Assets	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	84,402

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	412	131	248	284	-183	419	1,836	922	1,166	724	436	1,128
Cash from Investing Activity	-79	-64	-60	-50	-61	-87	-60	-38	-63	-72	-106	-120
Cash from Financing Activity	76	291	-75	-4	1	-5	-18	10	-31	-690	-36	-2,662
Net Cash Flow	409	357	113	229	-243	327	1,758	893	1,072	-38	294	-1,653

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	–	–	–	–	–	–	–	–	–	–	–	–	–
FIIs	23.75%	24.95%	25.33%	23.66%	26.60%	26.95%	26.44%	26.01%	27.44%	28.04%	27.38%	25.96%	23.49%
DIIs	37.74%	36.18%	33.12%	33.18%	32.39%	29.50%	32.55%	33.57%	33.59%	33.07%	35.23%	36.75%	40.23%
Public	38.53%	38.85%	41.54%	43.15%	41.01%	43.55%	41.00%	40.42%	38.98%	38.90%	37.40%	37.27%	36.26%