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Tamil Nadu old private bank focused on SME and trader lending, known for consistent asset quality.
Tamil Nadu old private bank focused on SME and trader lending, known for consistent asset quality.
Earns mostly from interest on small-business and trader loans funded by retail deposits, with gold loans, secured on pledged jewellery, a large lower-risk book. Tamil Nadu and the south carry most of the business, and branch relationships do the work of credit assessment. Founded in 1904 in Kumbakonam.
In one line: A conservative regional South Indian SME lender.
Moat: narrow (scale, process know-how). Long track record underwriting South Indian SME/trader credit with historically low NPAs.
Headquarters: Kumbakonam, India · Founded: 1904 · Employees: 8,894
Size City Union Bank (CUB.NS) is an India Financials company (Regional Banks) with a market value of $2.31B, the 344th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹219.50 on 6 Nov 2026.
Performance Over six months the shares gained 8.1%, against +4.2% for the median peer and 0.0% for the India market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 21.7% over the last twelve months (peer median +0.8%); the operating margin is 44.0% (peer median 33.6%).
Valuation It trades at 1.94× book value against a peer median of 1.11× (4th most expensive of 21).
Price implies The share price implies a return on equity of about 29.8%; City Union Bank delivers 14.1%, so the price asks more than the business earns today.
Next results Next results expected around 29 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹88.2B | ₹79.3B | ₹67.4B | ₹59.9B | ₹55.6B |
| Revenue growth | — | +18% | +12% | +8% | — |
| Net income | ₹14.9B | ₹13.3B | ₹11.2B | ₹10.2B | ₹9.37B |
| Free cash flow | n/a | ₹12.7B | ₹14.9B | ₹10.9B | ₹7.60B |
| Capital expenditure | n/a | ₹3.53B | ₹1.98B | ₹1.68B | ₹990M |
| Total debt | ₹52.8B | ₹57.0B | ₹22.6B | ₹47.3B | ₹49.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| City Union Bank CUB.NS | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% |
| Karur Vysya Bank KARURVYSYA.NS | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% |
| Tamilnad Mercantile Bank TMB.NS | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CUB.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.2% | +0.4% | 9th lowest of 21 |
| 6-month return | +8.1% | +4.2% | 6th highest of 21 |
| Return on equity | 14.1% | 9.7% | 4th highest of 21 |
| Price / book | 1.94× | 1.11× | 4th most expensive of 21 |
| Trailing P/E | 14.6× | 11.6× | 4th most expensive of 21 |
| ROE the price implies | 29.8% | 9.1% | most demanding of 20 |
| ROE delivered | 14.1% | 9.8% | 4th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Bank of Zhengzhou 6196.HK | Hong Kong | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% | n/a |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |