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

The projected decline in CUB's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 0.000000
forwardPE 11.788977
debtToEquity 0.000000
earningsGrowth 0.128000
revenueGrowth 0.121000
grossMargins 0.000000
operatingMargins 0.469230
trailingEps 15.080000
forwardEps 16.480000

CUB's Forward PE is within a good range, showing that the stock price compares well to its earnings. This suggests it isn't overpriced and leaves room for growth, making the stock appealing to investors looking for value and growth opportunities.
CUB's positive earnings and revenue growth signal that the company is expected to expand its business. This healthy financial trend reflects an optimistic outlook, suggesting continued growth in both sales and profits for CUB.
CUB's forward EPS exceeding its trailing EPS means the company is expected to be more profitable this year than last. This suggests an upward trend in earnings, with forecasts indicating that CUB's financial performance will improve in the current financial year.

Price projections:

Price projections for CUB
Price projections for CUB

The price of CUB has repeatedly been close to the lower limit of price projections. This trend suggests that the stock may be underperforming, raising concerns among investors about future performance.

Recommendation changes over time:

Recommendations trend for CUB
Recommendations trend for CUB


City Union Bank Limited has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view City Union Bank Limited as a stable option to park their money and potentially benefit from the company's continued growth and profitability.