Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

City Union Bank Limited engages in the provision of various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, property, personal and agricultural gold, working capital, business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold-based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. It operates through a network of branches; ATMs, including bulk note recycler machines; passbook kiosks; and cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

Revenue projections:

Revenue projections for CUB
Revenue projections for CUB

CUB's revenues are expected to fall below last year's, and this forecast tends to raise concerns among investors. A revenue drop can negatively impact the company's profitability, making investors more cautious about their positions due to the risks of declining financial performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 11.199429
debtToEquity 0.000000
earningsGrowth 0.158000
revenueGrowth 0.144000
grossMargins 0.000000
operatingMargins 0.476650
trailingEps 15.620000
forwardEps 16.480000

CUB's Forward PE is in a reasonable range, indicating the stock is priced well relative to its earnings. The stock isn't overpriced, which leaves room for future growth, making it an attractive option for investors seeking value and long-term gains.
CUB's positive earnings and revenue growth suggest the company is on a path to business expansion. This upward trend signals strong financial health, indicating that CUB is well-positioned for sustained growth in both profits and revenue.
City Union Bank Limited's forward EPS exceeding its trailing EPS reflects expectations of increased profitability for the current year. This suggests that the company is projected to achieve higher earnings than in the previous financial year, signaling positive growth and improved financial health.

Price projections:

Price projections for CUB
Price projections for CUB

Over time, price projections for CUB have gradually risen, signaling growing optimism about the company's future. This upward revision reflects increasing confidence in CUB's ability to achieve strong financial results.

Recommendation changes over time:

Recommendations trend for CUB
Recommendations trend for CUB


A recent buy bias from analysts toward CUB may inspire confidence in investors, who could view the stock as a promising investment. This positive sentiment suggests that CUB might be an appealing option for those looking to grow their wealth through stock market investments.