City Union Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE491A01021
  • NSEID: CUB
  • BSEID: 532210
INR
298.30
15.8 (5.59%)
BSENSE

Feb 03

BSE+NSE Vol: 62.83 lacs

  • Price Points
  • Score
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  • Total Return
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stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
1,755.68
1,653.13
1,605.33
1,532.72
1,478.74
1,433.95
1,388.64
Income On Investments
293.73
287.56
286.41
271.36
268.91
270.99
262.09
Interest On Balances With Rbi Other Inter Bank Funds
25.68
28.66
26.34
16.34
9.06
16.35
38.36
Interest / Discount On Advances / Bills
1,434.62
1,331.75
1,290.22
1,243.25
1,198.96
1,143.47
1,086.47
Others
1.66
5.16
2.36
1.78
1.81
3.13
1.72
Other Income
245.35
259.13
243.88
251.22
228.39
226.32
192.13
Total Income
2,001.03
1,912.26
1,849.20
1,783.94
1,707.12
1,660.27
1,580.77
Interest Expended
1,003.51
986.59
980.04
932.40
890.99
851.46
843.47
Net Interest Income
752.17
666.54
625.29
600.32
587.75
582.49
545.17
Total Expenditure (Excl Depreciation)
484.36
455.08
418.24
410.57
380.14
380.63
363.81
Employee Cost
230.23
224.36
200.60
196.54
178.52
183.53
174.40
Other Operating Expenses
254.13
230.72
217.64
214.03
201.62
197.10
189.41
Operating Profit Before Provisions and Contingencies
513.16
470.59
450.92
440.96
436.00
428.18
373.49
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
96.00
57.00
70.00
78.00
75.00
70.00
39.00
Profit Before Tax
417.16
413.59
380.92
362.96
361.00
358.18
334.49
Tax
85.00
85.00
75.00
75.00
75.00
73.00
70.00
Profit After Tax
332.16
328.59
305.92
287.96
286.00
285.18
264.49
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
332.16
328.59
305.92
287.96
286.00
285.18
264.49
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
4.48
4.43
4.13
3.89
3.86
3.85
3.57
Diluted Earnings per share
4.46
4.41
4.1
3.86
3.83
3.82
3.54
Operating Profit Margin (Excl OI)
66.94%
69.02%
69.59%
68.12%
69.22%
68.57%
70.99%
Gross Profit Margin
23.76%
25.02%
23.73%
23.68%
24.41%
24.98%
24.09%
PAT Margin
18.92%
19.88%
19.06%
18.79%
19.34%
19.89%
19.05%
Net Interest Margin
3.89%
3.63%
3.54%
3.6%
3.58%
3.67%
3.54%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
0.0%
29.0%
30.0%
CASA Amount
19,233.50
19,536.90
17,950.50
18,118.90
16,131.90
16,893.40
16,195.00
Capital Adequacy Ratio (Total)
20.13%
21.68%
23.1%
23.75%
22.26%
22.98%
23.58%
Capital Adequacy Ratio (Tier 1)
19.18%
20.71%
22.09%
22.7%
21.29%
21.98%
22.55%
Provision Coverage Ratio (%)
83.0%
82.0%
79.0%
78.0%
77.0%
75.0%
73.0%
Amount of Gross NPAs
1,320.00
1,393.22
1,616.98
1,638.17
1,693.04
1,725.50
1,806.45
Amount of Net NPAs
469.34
512.86
634.55
653.07
701.54
775.02
853.50
% of Net NPAs
0.78%
0.9%
1.2%
1.25%
1.42%
1.62%
1.87%
% of Gross NPAs
2.17%
2.42%
2.99%
3.09%
3.36%
3.54%
3.88%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1678.0
1709.0
1776.0
1736.0
1693.0
1682.0
1679.0
Number of Branches
901.0
889.0
876.0
875.0
822.0
812.0
800.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 6.2% vs 2.98% in Sep 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Dec 2025 is 1.09% vs 7.41% in Sep 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 9.05% vs 4.36% in Sep 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.12% vs -0.30% in Sep 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.25% vs -0.57% in Sep 2025

Compare Quarterly Results Of City Union Bank With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,755.68
5,431.24
-3,675.56
-67.67%
Income On Investments
293.73
682.92
-389.19
-56.99%
Interest On Balances With Rbi Other Inter Bank Funds
25.68
11.37
14.31
125.86%
Interest / Discount On Advances / Bills
1,434.62
4,684.93
-3,250.31
-69.38%
Others
1.66
52.02
-50.36
-96.81%
Other Income
245.35
691.01
-445.66
-64.49%
Total Income
2,001.03
6,122.25
-4,121.22
-67.32%
Interest Expended
1,003.51
2,742.94
-1,739.43
-63.41%
Net Interest Income
752.17
2,688.30
-1,936.13
-72.02%
Total Expenditure (Excl Depreciation)
484.36
1,934.30
-1,449.94
-74.96%
Employee Cost
230.23
1,133.46
-903.23
-79.69%
Other Operating Expenses
254.13
800.84
-546.71
-68.27%
Operating Profit Before Provisions and Contingencies
513.16
1,445.01
-931.85
-64.49%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
96.00
1,154.63
-1,058.63
-91.69%
Profit Before Tax
417.16
290.38
126.78
43.66%
Tax
85.00
84.79
0.21
0.25%
Profit After Tax
332.16
205.59
126.57
61.56%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
332.16
205.59
126.57
61.56%
Face Value
1.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
4.48
1.28
3.20
250.0%
Diluted Earnings per share
4.46
1.28
3.18
248.44%
Operating Profit Margin (Excl OI)
66.94%
43.13%
0.00
23.81%
Gross Profit Margin
23.76%
5.35%
0.00
18.41%
PAT Margin
18.92%
3.79%
0.00
15.13%
Net Interest Margin
3.89%
5.90%
-2.01
-2.01%
Return on Assets
0.00%
0.11%
-0.11
-0.11%
CASA (%)
0.00%
27.30%
-27.30
-27.30%
CASA Amount
19,233.50
42,730.00
-23,496.50
-54.99%
Capital Adequacy Ratio (Total)
20.13%
17.33%
2.80
2.80%
Capital Adequacy Ratio (Tier 1)
19.18%
16.50%
2.68
2.68%
Provision Coverage Ratio (%)
83.00%
70.80%
12.20
12.20%
Amount of Gross NPAs
1,320.00
4,804.99
-3,484.99
-72.53%
Amount of Net NPAs
469.34
1,402.12
-932.78
-66.53%
% of Net NPAs
0.78%
0.99%
-0.21
-0.21%
% of Gross NPAs
2.17%
3.33%
-1.16
-1.16%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,678.00
438.00
1,240.00
283.11%
Number of Branches
901.00
1,831.00
-930.00
-50.79%
Quarterly - Interest Earned
Interest Earned 1755.68 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 6.2% vs 2.98% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 18.73% vs 11.5% in Dec 2024

Quarterly - Net Profit
Net Profit 332.16 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 1.09% vs 7.41% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 16.14% vs 13.03% in Dec 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 513.16 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 9.05% vs 4.36% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 17.70% vs 19.77% in Dec 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.78%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.12% vs -0.30% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -0.64% vs -0.77% in Dec 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.17%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.25% vs -0.57% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -1.19% vs -1.11% in Dec 2024

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