A fundamental analysis of City Union Bank Ltd. (CUB) covering revenue trends, profitability, valuation, and shareholding patterns.
City Union Bank Revenue Trend
City Union Bank Ltd. managed to grow its top line 12.0% in FY2025, with revenue hitting ₹6,732 Cr.
A 8.1% CAGR over 10 years is middle-of-the-road. City Union Bank Ltd.'s top line moved from ₹3,103 Cr to ₹6,732 Cr in that period.
With a top line of ₹6,732 Cr, City Union Bank Ltd. operates at a mid-sized scale within the banks sector.
Looking at the year-on-year numbers, City Union Bank Ltd. has seen 4 years of unbroken revenue growth.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹6,732 Cr | +12.0% |
| FY2024 | ₹6,012 Cr | +8.8% |
| FY2023 | ₹5,525 Cr | +13.6% |
| FY2022 | ₹4,864 Cr | +0.5% |
| FY2021 | ₹4,839 Cr | — |
View City Union Bank Ltd.'s full 10-year revenue trend with CAGR analysis →
City Union Bank Profitability
At ₹1,124 Cr, City Union Bank Ltd.'s FY2025 net profit was 10.6% ahead of FY2024.
The company maintained its net margin at 16.7% in FY2025, roughly in line with the prior year.
At ₹15.07 per share (diluted), FY2025 earnings were up year-over-year from ₹13.62.
Is City Union Bank Undervalued
Using the P/E Ratio methodology, the calculated intrinsic value comes to ₹202.
City Union Bank Ltd. shares are currently trading at ₹249.25.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹202 | 19.1% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for City Union Bank Ltd. with detailed assumptions →
City Union Bank Shareholding Pattern
City Union Bank Ltd. is a widely held company with no promoter group. Ownership is distributed across institutional and public shareholders.
On the foreign institutional side, the holding is 23.4% as of March 2026 — down from 27.4%.
The DII stake stands at 40.7% as of March 2026, versus 35.2% in the year-ago period.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 0.0% | 23.4% | 40.7% | 35.9% |
| Dec 2025 | 0.0% | 23.5% | 40.2% | 36.3% |
| Sep 2025 | 0.0% | 26.0% | 36.8% | 37.3% |
| Jun 2025 | 0.0% | 27.4% | 35.2% | 37.4% |
Track quarterly shareholding changes for City Union Bank Ltd. →
City Union Bank Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹776.23B at the end of FY2025, up 9.6% from ₹708.26B a year earlier.
Loans & Advances is the largest block at 67.1%, followed by Investments at 22.3% and Cash at 6.8%.
Deposits make up 81.8% of liabilities and equity, with Borrowings at 2.8%, Equity at 12.2%, and Other Liabilities at 3.2%. Over the year, deposits are up 14.1% and equity is up 12.7%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 52.91B |
| Loans & Advances | 520.81B |
| Investments | 173.36B |
| Other Assets | 29.15B |
| Category | Value |
|---|---|
| Equity | 94.67B |
| Deposits | 635.26B |
| Borrowings | 21.69B |
| Other Liabilities | 24.61B |
City Union Bank Key Highlights
In summary, City Union Bank Ltd. (CUB) presents the following picture for fundamental analysts.
Revenue of ₹6,732 Cr in FY2025, up 12.0% year-over-year.
Long-term revenue has been compounding at 8.1% annually over 10 years.
The company is profitable, with a net margin of 16.7% and net income of ₹1,124 Cr.
The P/B Ratio model implies 19.1% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
Get the complete view of City Union Bank Ltd. on Craytheon — 10 years of financials, four valuation models, and institutional holding trends.