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City Union Bank Q2 FY27 Share Price & Earnings Call Analysis

₹226.90+5.53% today
Market cap
₹22,519 Cr
P/E
16.05
ROE
13.20%
PEG
1.32
Price to sales
3.10
Debt to equity
7.92
52W high / low
₹302 / ₹197
Sales growth (5Y)
10.69%
EBITDA margin
68.68%
Net profit margin
19.24%
Sales (last year)
₹7,249 Cr

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )

Guidance scorecard · Q2 FY27 call

What City Union Bank Ltd's management guided
and where it ranks in Banks

Revenue10–20%MarginsFlatCapexWhat management saidFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

10–20%
  • The bank expects consistent double-digit growth in advances with 2-3% above industry/system growth, particularly in MSME lending.
  • MSME growth guidance is around 15%, aiming to grow slightly faster than system MSME growth.
  • Gold loan portfolio to be maintained at about 31-32% of the book, with retail secured loans roughly 10%.
  • Overall margin (NIM) expected to be stable around 3.65% to 3.70%.
  • Operating income and PAT growth continue positively, with PAT growth at 25% in 1QFY27.
  • Cost-to-income ratio targeted to be maintained in the 45%-47% range, supported by automation and AI investments.
  • Asset quality will be sustained with credit cost stable around 0.40%.

2 more points from City Union Bank Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what City Union Bank Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

  • The bank plans to invest in automation and AI initiatives to reduce operational costs and improve efficiency.
  • Significant investments have already been made in AI within operational areas.
  • The focus is on leveraging AI to bring down the cost-to-income ratio further, targeting less than 45% over the next three years.
  • Overall, the strategy emphasizes better business growth with high asset quality while maintaining cost efficiency through technological investments.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what City Union Bank Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what City Union Bank Ltd said on the order book →

Full Q1 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. IDFC First BankGood growth
    3
See all potential multibaggersWhere does City Union Bank Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3IDFC First Bank20–40%Flat₹67,332 Cr29.9
420–40%Flat₹58,716 Cr49.8
520–40%Flat₹13,576 Cr9.4
620–40%Flat₹6,759 Cr8.6

Sign up free to see every company in the sector ranking and track City Union Bank Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of City Union Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

City Union Bank Ltd

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
FIIs +26.60%26.95%26.44%26.01%27.44%28.04%27.38%25.96%23.49%23.37%18.65%17.39%
DIIs +32.39%29.50%32.55%33.57%33.59%33.07%35.23%36.75%40.23%40.73%44.84%47.99%
Public +41.01%43.55%41.00%40.42%38.98%38.90%37.40%37.27%36.26%35.90%36.50%34.61%
No. of Shareholders2,16,0192,48,8152,29,9432,34,2222,28,0012,23,5852,10,2982,09,8052,15,4302,07,4952,15,1812,03,678

Pros & Cons

City Union Bank Ltd

Key positives and risks surfaced from the company insights section.

Pros
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.7% over past five years.
  • Company has a low return on equity of 12.9% over last 3 years.
  • Contingent liabilities of Rs.16,490 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 11.8% of profits over last 3 years
Raw Insights
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.7% over past five years.
  • Company has a low return on equity of 12.9% over last 3 years.
  • Contingent liabilities of Rs.16,490 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 11.8% of profits over last 3 years

Financials of City Union Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +1,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,8561,9852,092
Interest7668108288438518919329809871,0041,0701,1651,219
Expenses +390391402403451455489488512580617561682
Financing Profit149125145142132133112137154172169259191
Financing Margin %11%9%11%10%9%9%7%9%9%10%9%13%9%
Other Income +182193175192226228251244259245290244350
Depreciation0000000000000
Profit before tax331318320334358361363381414417460503541
Tax %15%20%20%21%20%21%21%20%21%20%22%24%23%
Net Profit +281253255264285286288306329332360383416
EPS in Rs2.842.562.582.682.892.892.913.103.333.363.633.864.20
Gross NPA %4.66%4.47%3.99%3.88%3.54%3.36%3.09%2.99%2.42%2.17%1.91%1.73%1.44%
Net NPA %2.34%2.19%1.97%1.87%1.62%1.42%1.25%1.20%0.90%0.78%0.68%0.61%0.48%

Financials of City Union Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +2,6992,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,8707,689
Interest1,8911,9631,9751,9722,1562,4932,3052,1882,5523,1473,5184,0404,458
Expenses +6557369371,1201,1401,6901,7381,6051,7231,5591,7162,0902,440
Financing Profit153245262310472-1592311440564600740791
Financing Margin %6%8%8%9%13%-0%2%8%9%11%10%11%10%
Other Income +4154104845325146806897598107428981,0391,130
Depreciation47525352627987857375821070
Profit before tax5216036937909255866939851,1771,2311,4171,6711,920
Tax %24%26%27%25%26%19%14%23%20%17%21%21%
Net Profit +3954455035926834765937609371,0161,1241,3261,490
EPS in Rs4.104.615.186.076.974.856.027.719.5010.2811.3713.3915.05
Dividend Payout %17%16%4%3%5%8%6%10%8%11%13%11%

Financials of City Union Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital60606066737474747474747499
Reserves2,6362,9923,5104,0974,7675,2225,7696,5127,3838,3279,39310,49111,093
Deposits24,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52678,30883,893
Borrowing1296655311,7364812,0321,3465,3124,6884,7242,1695,3275,280
Other Liabilities +9329291,0541,1861,4891,5731,5861,9442,0512,0442,4612,8253,096
Total Liabilities27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024103,462
Fixed Assets +210218215223250245233215239270322469551
CWIP0000000000000
Investments5,8716,8267,0317,8797,7129,1179,43612,22114,33315,66417,33618,98720,204
Other Assets +21,79024,76028,02431,83537,29740,37243,64349,09552,02354,89159,96577,56982,708
Total Assets27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024103,462

Financials of City Union Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +131248284-1834191,8369221,1667244361,128802
Cash from Investing Activity +-64-60-50-61-87-60-38-63-72-106-120-208
Cash from Financing Activity +291-75-41-5-1810-31-690-36-2,6623,042
Net Cash Flow357113229-2433271,7588931,072-38294-1,6533,637
Free Cash Flow66188233-2443321,7778841,1036523301,009595

Financials of City Union Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16%15%15%15%15%9%11%12%13%13%13%13%

Guidance history

How City Union Bank Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%Flat———
Q4 FY26 call →20–40%FlatPlanned——
Q3 FY26 call →10–20%Flat———
Q2 FY26 call →10–20%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

24out of 100

Momentum score · price trend

24 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−3.9%56%
Last 6 months−16.0%26%
Last 3 months+5.3%73%

The price is 24.8% below its all-time high of ₹301.75 (30 Jan 2026). Stocks more than 20% below their peak have their score halved, so 47 became 24.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For City Union Bank Ltd: 0.4 × 56 + 0.4 × 26 + 0.2 × 73 = 47, halved to 24 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What City Union Bank Ltd's management said in earlier quarters

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