City Union Bank Ltd.
NSE: CUBCity Union Bank Ltd.: A 30-second snapshot
City Union Bank trades at ₹216.42, up 35.67% over 1 year and 18.02% over 3 months, and sits above both its 50-day (₹207.98) and 200-day (₹200.55) moving averages while 10.98% below its 52-week high. Q1 FY27 net profit rose 25% YoY to ₹383 cr with GNPA easing to 1.73%. The stock trades at 15.12x trailing earnings (11.04x forward) against a 37.79% profit margin and a mean analyst rating of 1.78 across 23 analysts (1-5 scale, lower = more constructive).
P/E
15.1
Forward P/E
11.0
ROE
—
Debt / Equity
—
Profit Margin
+37.8%
Div. Yield
+0.9%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
72/100
News
8 headlines · 6 positive · 0 negative
Buy City Union Bank; target of Rs 250: Prabhudas Lilladher - Moneycontrol.com
Moneycontrol.com
City Union Bank Ltd (BOM:532210) (Q1 2027) Earnings Call Highlights: Record Profit and Strong ... - finance.yahoo.com
finance.yahoo.com
City Union Bank Reports Q1 Standalone Net Profit of 3.8B Rupees, GNPA Eases to 1.73% - Sahi
Sahi
City Union Bank Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
CUB: Net profit rose 25% year-over-year to Rs. 3,826 Mn, with robust growth in deposits and advances - TradingView
TradingView
Recent context
- ·Q1 FY27 (quarter ended June 30, 2026) results: net profit ₹383 cr, +25% YoY, with GNPA easing to 1.73% (TradingView/Sahi, Jul 28, 2026).
- ·News flow over the tracked period was entirely positive-to-neutral: 6 positive, 2 neutral, 0 negative of 8 articles.
- ·Prabhudas Lilladher retained a "Buy" rating with a ₹250 price target after the Q1 print (Moneycontrol, Jul 30, 2026).
Strengths
- +Profit margin of 37.79% alongside 5-year revenue and earnings growth of 23.3% and 25.2% respectively.
- +Q1 FY27 net profit rose 25% YoY to ₹383 cr, with GNPA easing to 1.73% (news, Jul 28, 2026).
- +Price sits above both the 50-day (₹207.98) and 200-day (₹200.55) moving averages, up 35.67% over 1 year and 18.02% over 3 months.
- +Mean analyst rating of 1.78 across 23 analysts (1-5 scale, lower = more constructive); ranks 2nd of 6 on both PE and quality score (66/100) among listed banking-sector peers tracked.
Weaknesses
- −ROE has not exceeded 15% in any measured year (roeYearsAbove15 = 0) and the earnings-consistency score is 47/100, despite the strong headline margin and growth figures.
- −Current-period ROE and debt-to-equity are unavailable in the dataset, limiting a standard bank capital-metric comparison; separately, debt trend is flat and free cash flow was positive in 4 of the years tracked.
- −Trades 10.98% below its 52-week high despite sitting above both moving averages, with RSI at a neutral 52.65 — no strong momentum signal either direction.
- −Peer 1-year price-change data is missing for all 5 other listed banking peers, so relative price-performance ranking against the sector isn't possible; comparison is limited to PE (2nd of 6) and quality score (2nd of 6).
Open questions
- ?Does the 0-for-multi-year ROE-above-15% record reflect a structural ceiling on return on equity for this bank, or a phase tied to capital deployment and credit costs?
- ?How does a 47/100 earnings-consistency score reconcile with a 25% YoY profit print and a 5-year earnings CAGR of 25.2%?
- ?With debt-to-equity and current ROE both missing from the dataset, what do standard banking metrics such as capital adequacy and CASA ratio show for comparing CUB's efficiency against sector peers?
- ?With price 10.98% below the 52-week high and near immediate resistance at ₹218.09, what combination of fundamentals or flow would be needed for that level to be tested again?
Peer comparison: Banking
Ranks 2 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CUB | City Union Bank Ltd.You're viewing | 15.1 | — | 66 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹216.42
SMA 50
₹207.98
SMA 200
₹200.55
RSI (14)
52.6 (neutral)
From 52w high
-11.0%
1Y return
+35.7%
3M return
+18.0%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE has not exceeded 15% in any measured year (roeYearsAbove15 = 0) and the earnings-consistency score is 47 out of 100, despite a profit margin of 37.79% and 5-year revenue/earnings growth of 23.3%/25.2%.
- lowCurrent-period ROE and debt-to-equity are both reported as null in the fundamental dataset; for a bank, capital-adequacy and CASA metrics are the more standard leverage/efficiency gauges, but the gap also removes ROE from the peer comparison (sector ROE ranking is null).
- lowPrice trades 10.98% below its 52-week high even though it sits above both the 50-day (₹207.98) and 200-day (₹200.55) moving averages, with RSI at a neutral 52.65.
- low1-year price-change data is unavailable for all 5 other listed banking peers, so CUB's sector ranking is limited to PE (2nd of 6) and quality score (2nd of 6); no relative price-performance ranking against peers is possible.
Cross-section contradictions
- Q1 FY27 net profit rose 25% YoY to ₹383 cr with GNPA easing to 1.73% (news, Jul 28) and the mean analyst rating is 1.78 across 23 analysts (1-5 scale, lower = more constructive), yet multi-year persistence data shows ROE has not exceeded 15% in any measured year and the earnings-consistency score is 47/100 — the most recent quarter reads stronger than the longer multi-year consistency record.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 11 Aug 2026 · rotates through NIFTY 500 every ~5 days