profit from every ₹100 of sales.
₹0₹100
City Union Bank
₹224.00+2.42% today
-19.6% in 1 year
1-year low ₹183.381-year high ₹302.50
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹16.73 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What City Union Bank sold, what it kept, and what it did with the cash.
Sales went from ₹29.7 billion in 2023 to ₹38.7 billion in 2026, with ₹13.3 billion of profit last year.
SalesProfit
City Union Bank handed back 33% of the cash it generated last year.
₹1.5B
Free cash flow 2026₹4.5B
Bought back its own shares–
Paid as dividends₹1.5B
Cash vs. debt₹89.3B vs. ₹53.3B
City Union Bank vs. similar companies
City Union Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| City Union Bank | 16.7× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads City Union Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 29,730 | 28,651 | 32,138 | 38,687 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 9,375 | 10,157 | 11,236 | 13,262 | |
| 12.57 | 13.62 | 15.07 | 17.83 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.5% | 35.5% | 35.0% | 34.3% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 665,946 | 708,259 | 776,232 | 970,244 |
| Cash | 66,493 | 69,435 | 52,905 | 89,271 |
| Total debt | 46,881 | 33,722 | 17,904 | 53,268 |
| Total liabilities | 591,374 | 624,244 | 681,566 | 864,595 |
| 74,572 | 84,014 | 94,666 | 105,649 | |
| 746 | 746 | 746 | 744 | |
| – | – | – | – | |
| 12.6% | 12.1% | 11.9% | 12.6% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 7,241 | 4,362 | 11,283 | 8,025 | |
| 990 | 1,683 | 1,978 | 3,525 | |
| 6,251 | 2,679 | 9,305 | 4,499 | |
| Dividends paid | 742 | 741 | 1,111 | 1,475 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 16.7×
- –
- 1.35
- 1.8×
- 5.7×
- 6.0%
- 0.7%
Profitability
- 34.3%
- –
- –
- –
- –
Growth
- +9.2%
- +12.4%
- –
- −0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 37%of 866
Top 47%of 862
Bottom 32%of 921
0.7%of the share price, paid each year
On $1,000 invested$7a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
11.1% of its profit
Room to growStretchedMore than it earns: 32.8%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about City Union Bank
Is City Union Bank a good stock to buy?
A strong, very profitable business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the City Union Bank AI analysis
What does City Union Bank do?
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. It is in Banks - Regional, based in Kumbakonam, India.
Does City Union Bank pay a dividend?
Yes. At today's price the dividend is 0.7% a year, about 11% of its yearly profit. In 2026 it paid out ₹1.48 billion in dividends.
Is City Union Bank stock halal?
No. City Union Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has City Union Bank stock done over the past year?
Down 19.6% over the past twelve months, to ₹224.00. It traded between ₹183.38 and ₹302.50 and is 26.0% below its high.
Who are City Union Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with City Union Bank's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.