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

City Union Bank Limited's revenue is projected to decrease from last year, a development that could lead investors to adopt a more cautious approach. A revenue decline can negatively affect profitability, signaling challenges for the company and making it less attractive for those seeking solid financial performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 10.509656
debtToEquity 0.000000
earningsGrowth 0.128000
revenueGrowth 0.121000
grossMargins 0.000000
operatingMargins 0.469230
trailingEps 15.070000
forwardEps 16.480000

CUB's Forward PE is in a strong range, indicating that its stock price compares well with its earnings. The stock is not considered overpriced, leaving ample room for growth and making it a promising option for investors looking for value and future returns.
CUB's positive earnings and revenue growth reflect a strong outlook for the company's business expansion. The company is expected to continue growing, with increasing profitability and sales driving further growth in the near future.
CUB'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

The price of City Union Bank Limited has consistently remained close to the lower end of price projections. This trend may reflect uncertainty in the market regarding the company's ability to deliver on growth expectations.

Recommendation changes over time:

Recommendations trend for CUB
Recommendations trend for CUB


Analysts' recent buy bias toward CUB suggests the stock is gaining favor as a strong investment choice. This optimism could drive more investors to see CUB as a smart place to invest, further bolstering confidence in the company's long-term growth and potential returns.