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 is projected to experience a revenue decline compared to last year, a development that often leads to investor caution. The drop could negatively impact the company's bottom line, as lower revenues typically signal reduced profitability, prompting more conservative investment strategies.

Financial Ratios:

currentRatio 0.000000
forwardPE 11.063416
debtToEquity 0.000000
earningsGrowth 0.158000
revenueGrowth 0.144000
grossMargins 0.000000
operatingMargins 0.476650
trailingEps 15.620000
forwardEps 16.480000

City Union Bank Limited's Forward PE being in a good range indicates the stock is priced well relative to its earnings. It is not overvalued, leaving space for future growth, making it an appealing option for investors interested in long-term value appreciation.
Positive earnings and revenue growth for CUB point to expected business expansion. The company is projected to continue growing its operations, as increasing profits and sales highlight a strong trajectory for further growth in the future.
City Union Bank Limited's forward EPS surpasses its trailing EPS, indicating that the company is expected to be more profitable in the current financial year. This reflects growing confidence in City Union Bank Limited's earnings potential, suggesting stronger financial performance compared to the previous year.

Price projections:

Price projections for CUB
Price projections for CUB

Price projections for City Union Bank Limited have gradually risen over time, signaling increased optimism about the company's future prospects. This steady upward revision reflects growing confidence in City Union Bank Limited's market potential.

Recommendation changes over time:

Recommendations trend for CUB
Recommendations trend for CUB


The analysts' recent buy bias for CUB indicates strong confidence in the stock's future performance. This could encourage more investors to view CUB as a worthwhile investment, positioning the company as a top choice for those seeking financial security and long-term growth opportunities.