City Union Bank Ltd

About City Union Bank Ltd

City Union Bank Ltd. (CUB) is a century-old Indian private sector bank based in Kumbakonam, Tamil Nadu. It provides comprehensive retail, corporate, and SME banking products and services, including deposits, various loans, digital banking, and treasury operations. CUB maintains a strong regional focus while expanding its national presence, catering to a diverse customer base.

Key Financial Ratios

• P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. City Union Bank Ltd's P/E ratio (TTM) is 12.09, compared to the industry median of 9.77 and large cap median of 9.77.

• P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. City Union Bank Ltd's P/B ratio is 1.52, compared to the industry median of 1.29 and large cap median of 1.29.

• P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. City Union Bank Ltd's P/S ratio is 2.93, compared to the industry median of 2.97 and large cap median of 2.97.

• PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. City Union Bank Ltd's PEG ratio is 0.95.

• EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. City Union Bank Ltd's EV/EBITDA ratio is 3.36.

• Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. City Union Bank Ltd's ROE is 12.55%.

• Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. City Union Bank Ltd's ROA is 0.65%.

• Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. City Union Bank Ltd's ROCE is 54.06%.

• Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. City Union Bank Ltd's operating margin is 9.20%.

• Net Margin: Net margin shows what percentage of revenue converts into final net profit. City Union Bank Ltd's net margin is 19.30%.

• Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. City Union Bank Ltd's current ratio is 27.46.

• Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. City Union Bank Ltd's debt-to-equity ratio is 7.33.

• Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. City Union Bank Ltd's interest coverage ratio is 1.41.

• Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. City Union Bank Ltd's DPS is ₹1.96.

• Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. City Union Bank Ltd's EPS is 17.74.

(Source line: "Ratios as of 12 Aug 2026, based on last traded price of ₹215.85. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")

Key Facts

• Founded: 1904 (as The Kumbakonam Bank Limited)
• Headquarters: Kumbakonam, Tamil Nadu
• Core Offerings: Retail Banking, Corporate Banking, SME Loans, Treasury Operations, Digital Banking
• Stock Listing: NSE (CUB), BSE (532210)
• Promoter: Professionally Managed (No identifiable promoter group)

History of City Union Bank Ltd

1904: Incorporated as The Kumbakonam Bank Limited in Kumbakonam, Tamil Nadu. 1945: Name changed to The City Union Bank Limited. 1965: Amalgamation with Kumbakonam Bank, The Commonwealth Bank Ltd., and The Oriental Bank of Malabar Ltd. 1969: Officially changed its name to City Union Bank Ltd. Post-liberalization: Underwent significant expansion, technology adoption, and diversification of its financial services and branch network across India. Present Day: Established as a leading old private sector bank, known for its customer-centric approach and strong regional foothold.

Business Segments and Revenue Mix

• Retail Banking: Focuses on individual customers and small businesses, offering a wide range of services including savings/current accounts, various loan products (housing, vehicle, personal, education), debit/credit cards, and wealth management solutions.
• Corporate/Wholesale Banking: Caters to large and mid-sized corporate entities, providing working capital finance, term loans, project finance, trade finance, and other corporate advisory services.
• Treasury Operations: Manages the bank's investment portfolio, foreign exchange operations, and money market activities to optimize liquidity and generate non-interest income.
• Other Banking Operations: Includes residual activities not covered under specific segments, such as para-banking activities, which contribute to the overall revenue.

Key Personnel

Dr. N. Kamakodi (MD & CEO): An accomplished banking professional, Dr. Kamakodi has been instrumental in the bank's growth and digital transformation. He holds a Doctorate in Bank Management and has over two decades of experience in the banking sector, previously serving as the Executive Director. R. Mohan (Non-Executive Independent Chairman): A veteran banker with extensive experience in leadership roles across public sector banks, contributing strategic guidance and governance oversight to the Board.

Subsidiaries and Associate Companies

No major subsidiaries reported.

Corporate Actions

No major recent corporate actions on record.

References

1. City Union Bank Ltd. Annual Report FY2023 2. National Stock Exchange (NSE) Filings 3. Quarterly Financial Results Announcements