Flash Finance

City Union Bank LimitedCUBBank / NBFC

Financial Services Banks - Regional Latest results: Mar 2026 14 quarters of data
Consolidated Standalone
₹227.38
MCap ₹22,529 Cr · P/E 17.0
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹1,856 Cr
Interest Earned · Mar 2026
+21.1% YoY
—
Operating Profit · Mar 2026
₹360 Cr
Net Profit · Mar 2026
+25.0% YoY
₹3.63
EPS · Mar 2026
-6.7% YoY
1.91%
Gross NPA % · Mar 2026
0.68%
Net NPA % · Mar 2026

📝 City Union Bank Limited — results explained

Quarter ended March 2026 (Q4 FY26)

City Union Bank Limited reported total income of ₹2,146 crore for the quarter ended March 2026 (Q4 FY26), up 20.3% from ₹1,784 crore in the same quarter last year, and up 7.2% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹1,856 crore and other income ₹290 crore. Net interest income (interest earned minus interest expended of ₹1,070 crore) worked out to ₹786 crore.

Net profit rose 25.0% year-on-year to ₹360 crore, from ₹288 crore. Earnings per share (EPS) came in at ₹3.63.

On asset quality, gross NPA stood at 1.91% and net NPA at 0.68% (gross NPA was 3.09% a year ago).

Full year and trailing twelve months

For the full year FY26, City Union Bank Limited posted total income of ₹7,908 crore, a growth of 17.5% over FY25, with a net profit of ₹1,327 crore (up 18.1% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹7,908 crore with a net profit of ₹1,327 crore.

Valuation snapshot

At the current price of ₹227.38, CUB has a market capitalisation of ₹22,529 crore and a trailing P/E of about 17.0.

Within the Banks - Regional industry, it is the 25th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, foreign institutional investors (FIIs) 17.40%, domestic institutional investors (DIIs) 47.99%, public shareholders 34.61% of City Union Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹22,529 Cr
Current Price ?
₹227.4
P/E ?
16.98above ind
Industry P/E ?
10.70
P/B ?
2.13
P/S ?
2.85
P/FCF ?
37.86
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
1.42
Earnings Yield ?
5.9%
Dividend Yield ?
0.66%
Profitability & Returns
Total Income (TTM) ?
₹7,908 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹1,327 Cr
EPS (TTM) ?
₹13.39
ROCE ?
N/A
ROE ?
12.6%
ROA ?
1.4%
Gross NPA % ?
1.91%
Net NPA % ?
0.68%
Growth
Total Income — latest qtr ?
₹2,146 Cr
PAT — latest qtr ?
₹360 Cr
YoY qtr sales growth ?
20.3%
YoY qtr profit growth ?
25.0%
Sales growth (3y) ?
13%
Sales growth (5y) ?
11%
Profit growth (3y) ?
12%
Profit growth (5y) ?
17%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
N/A
Change in promoter holding ?
N/A
Pledged percentage ?
N/A
Market
Return 3 months ?
1.2%
Return 6 months ?
17.6%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 1,2061,2281,2661,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,856 +21.1% +5.7%
Other Income 224195191182193175192226228251244259245290 +15.4% +18.2%
Total Income 1,4301,4231,4581,4861,5191,5491,5811,6601,7071,7841,8491,9122,0012,146 +20.3% +7.2%
Interest Expended 6507147447668108288438518919329809871,0041,070 +14.8% +6.6%
Operating Profit 497417414387364—373428436441451471513— — —
Provisions 2241591525646—39707578705796— — —
Profit Before Tax 273258262331318320334358361363381414417460 +26.7% +10.3%
Net Profit 218218227281253255264285286288306329332360 +25.0% +8.4%
EPS 2.942.953.083.783.422.583.573.853.863.894.134.434.483.63 -6.7% -19.0%
Gross NPA % 4.62% 4.37% 4.91% 4.66% 4.47% 3.99% 3.88% 3.54% 3.36% 3.09% 2.99% 2.42% 2.17% 1.91% — —
Net NPA % 2.67% 2.36% 2.51% 2.34% 2.19% 1.97% 1.87% 1.62% 1.42% 1.25% 1.20% 0.90% 0.78% 0.68% — —
Capital Adequacy Ratio 20.47% 22.34% 23.02% 22.21% 21.87% — 23.58% 22.98% 22.76% 23.75% 23.10% 21.68% 20.13% — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹5,834 Cr ₹6,870 Cr ₹6,870 Cr +17.8%
Other Income ₹898 Cr ₹1,038 Cr ₹1,038 Cr +15.6%
Total Income ₹6,732 Cr ₹7,908 Cr ₹7,908 Cr +17.5%
Interest Expended ₹3,518 Cr ₹4,040 Cr ₹4,040 Cr +14.8%
Net Interest Income ₹2,316 Cr ₹2,830 Cr ₹2,830 Cr +22.2%
Operating Profit ₹1,679 Cr ₹1,435 Cr ₹1,435 Cr -14.5%
Provisions ₹262 Cr ₹223 Cr ₹223 Cr -14.9%
Profit Before Tax ₹1,417 Cr ₹1,672 Cr ₹1,672 Cr +18.0%
Tax ₹293 Cr ₹245 Cr ₹245 Cr -16.4%
Net Profit ₹1,124 Cr ₹1,327 Cr ₹1,327 Cr +18.1%
EPS ₹15.17 ₹16.67 ₹16.67 +9.9%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 74747474 +0.0%
Reserves 7,3838,3279,39310,491 +11.7%
Deposits 52,39855,65763,52678,308 +23.3%
Borrowing 4,6884,7242,1695,327 +145.6%
Other Liabilities 2,0512,0442,4612,825 +14.8%
Total Liabilities 66,59570,82677,62397,024 +25.0%
Fixed Assets 239270322469 +45.7%
CWIP 0000 —
Investments 14,33315,66417,33618,987 +9.5%
Other Assets 52,02354,89159,96577,569 +29.4%
Total Assets 66,59570,82677,62397,024 +25.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 7244361,128802 -28.9%
Cash from Investing Activity -72-106-120-208 -73.3%
Cash from Financing Activity -690-36-2,6623,042 +214.3%
Net Cash Flow -38294-1,6533,637 +320.0%
Free Cash Flow 6523301,009595 -41.0%
CFO/OP 31%16%32%22% -31.2%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 13%13%13%13% +0.0%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
FIIs 27.38%25.96%23.49%23.37%17.40% -25.5%
DIIs 35.23%36.75%40.23%40.73%47.99% +17.8%
Public 37.40%37.27%36.26%35.90%34.61% -3.6%
No. of Shareholders 2,10,2982,09,8052,15,4302,07,4952,03,678 -1.8%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 CUB City Union ₹227.90 22,580 17.0 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was City Union Bank Limited's total income in Q4 FY26?
City Union Bank Limited reported total income of ₹2,146 crore for the quarter ended March 2026 (Q4 FY26), up 20.3% from ₹1,784 crore in the same quarter last year, and up 7.2% sequentially over the December 2025 quarter.
What was City Union Bank Limited's net profit in Q4 FY26?
Net profit rose 25.0% year-on-year to ₹360 crore, from ₹288 crore. Earnings per share (EPS) came in at ₹3.63.
What is CUB's market capitalisation and P/E ratio?
At the current price of ₹227.38, CUB has a market capitalisation of ₹22,529 crore and a trailing P/E of about 17.0.
What are City Union Bank Limited's NPA levels?
On asset quality, gross NPA stood at 1.91% and net NPA at 0.68% (gross NPA was 3.09% a year ago).
Who owns City Union Bank Limited? (shareholding pattern)
As of Sep 2026, foreign institutional investors (FIIs) 17.40%, domestic institutional investors (DIIs) 47.99%, public shareholders 34.61% of City Union Bank Limited.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI