City Union Bank share price today

City Union Bank Ltd's share price was ₹219.50 at the close on 6 November 2026. It has been rising for 77 weeks. That is 5.3% above its average price over the last 200 trading days. In the last 52 weeks it traded between ₹174 and ₹236, and at that close it sat 74% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today City Union Bank Ltd is in stage 2. The phase helps read everything below.

Over the past 13 weeks it has done better than the NIFTY 500, and it has stayed ahead for 21 weeks in a row.

Over the last 11 years the share price moved +288% while the NIFTY 500 moved +257%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: foreign funds (FIIs) cut their stake for 6 quarters in a row, indian funds and insurers (DIIs) raised their stake for 6 quarters in a row and revenue up on a year earlier for 12 quarters in a row (every quarter we can compare).

1. Foreign funds (FIIs) cut their stake for 6 quarters in a row

   From 28% to 17.4% of the company by the September 2026 quarter.

2. Indian funds and insurers (DIIs) raised their stake for 6 quarters in a row

   From 33.1% to 48% of the company by the September 2026 quarter.

3. Revenue up on a year earlier for 12 quarters in a row (every quarter we can compare)

   In the September 2026 quarter revenue was ₹2,092 crore, +26.6% on a year earlier.

   Why: The bank earned more interest because it lent more to small businesses, retail customers and gold loan borrowers.

   Next results: check whether deposits keep growing fast enough to fund more lending, since management said keeping up the recent fast deposit growth for two years would be doubtful.

   From the earnings call on 28 Oct 2026.

For July to September 2026 (the quarter ended 30 September 2026), City Union Bank reported total income of ₹2,092 crore, up 26.6% from ₹1,653 crore a year earlier, and a profit of ₹416 crore, up 26.4% from ₹329 crore.

City Union Bank results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

City Union Bank's management discussed these results on a call held on 28 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

City Union Bank closed at ₹219.50 on 6 November 2026, up 14.6% from ₹191.57 a year earlier (7 November 2025) and up 68.0% over five years. Its highest weekly close since February 2016 was ₹236.01 on 4 September 2026.

City Union Bank share price: then and now

Weekly closing prices, adjusted for splits and bonuses so every price is on today’s share count. Each change is the move from that price to the 6 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

565 weekly closes from 26 February 2016 to 6 November 2026.

6 Nov 2026: City Union Bank closed at ₹219.50, up 2.5% on the week and down 5.2% on the month. 28 Oct 2026: City Union Bank held its results call for July to September 2026. Management guided: NIM 3.9%-4.0% Q3-Q4 expected on EBLR repricing with steady deposit costs held.

Earlier

• Results for July to September 2026: Total income up 26.6% and profit up 26.4% on a year earlier.
• Our read, 22 Aug 2026: Reported profit and interest income continued to rise in the latest quarter while gross and net NPAs declined. The operating read is constructive because recoveries exceeded slippages and the bank retained secured-lending discipline.
• 31 Jul 2026: ex-date for a dividend of ₹2 a share.
• 12 Jun 2026: Bonus issue: 1 new share for every 3 held (ex-date).

Our read of the business

Reported profit and interest income continued to rise in the latest quarter while gross and net NPAs declined. The operating read is constructive because recoveries exceeded slippages and the bank retained secured-lending discipline.

April to June 2026: Latest quarter extended the income, profit and NPA improvement sequence.

Our read after the April to June 2026 results, written 22 August 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

City Union Bank paid ₹2 a share in regular dividends in the 12 months to 7 November 2026 (1 payment), a yield of 0.91% at the ₹219.50 close on 6 November 2026. The last was a dividend of ₹2 a share, ex-date 31 July 2026.

City Union Bank dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. City Union Bank Ltd paid out 11% of its profit as dividends in FY26, and it paid a dividend in each of its last 13 reported years.

From the NSE corporate-actions record, read 7 November 2026.

On the call for July to September 2026, held on 28 October 2026, City Union Bank's management guided: NIM 3.9%-4.0% Q3-Q4 expected on EBLR repricing with steady deposit costs held.

“Out of 9.5 crores, once the accounts became NPAs, auctions were conducted only for 20 lakhs.”R. Vijay Anand, on the call for July to September 2026

What management guided

• ROA above 1.6% with 1.6%-1.7% exit for H2 on sustained recoveries planned.
• Cost-to-income 45%-47% FY27 after Q2 hike absorption with H2 cushion held planned.
• Gold share capped 31%-32% versus 30% now with selective onboarding.
• Net ECL about ₹270 crore after ₹30 crore made, 0.4%-0.5% via capital no P&L hit.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 28 October 2026.

The changes showing up in City Union Bank's own numbers are fewer bad loans. It is too early to say whether they last.

We check 16 kinds of change in every company, such as costs spread over more sales, higher-value products, new orders, new regions or falling debt, against its reported numbers and what management said on its calls. Only changes the numbers back are shown.

Checked against results and calls up to April to June 2026, 10 October 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

The thesis breaks if gross NPAs reverse upward while recoveries no longer exceed slippages, or if the bank cuts its stated NIM and ROA framework again after the next results cycle.

Each change stops working if

• : Slippages exceed recoveries for successive quarters or the gross NPA ratio reverses upward.
• : MSME utilisation does not recover and advances growth falls below the stated above-industry objective.
• : Deposit and borrowing costs rise faster than the bank can protect lending yields.
• : Personnel and funding costs rise faster than income and cost-to-income does not improve after the branch rollout.

The main risks

• : Funding-cost pressure could narrow NIM below management's revised range. ✓ fact
• : The revised FY27 ROA framework lowers the profit-return ceiling relative to the prior call. ✓ fact
• : Gold-loan concentration guidance remains ambiguous after the leadership handover. ✓ fact
• : ECLGS expansion introduces a new credit-monitoring pocket despite current low reported stress. ✓ fact

Our read after the April to June 2026 results, written 22 August 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

When City Union Bank reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Recoveries stay above new bad loans of about ₹175-190 crore per quarter (FY27 guide ₹700-750 crore), and gross bad loans keep falling below 1.73% without a rise in written-off amounts.

City Union Bank is on 4 of our India lists: Multibagger study list, Momentum stocks, Small & mid cap stocks and Bank stocks.

City Union Bank Ltd earned ₹416 Cr of net profit in the Sep 2026 quarter, +26.4% on the same quarter a year earlier. That is the 12th quarter in a row of profit growth. Full-year FY26 profit was ₹1,326 Cr. Over 10 years profit has grown 11.5% a year on average. That is 19.9% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹329 Cr.

For the full year, FY26 profit was ₹1,326 Cr (+18.0% on the year before).

Why profit moved: revenue changed +26.6% on a year earlier and the margin moved +0.0 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +23.2% and revenue +22.5%. Profit and revenue are moving at about the same pace.

FY26-Q4. The pre-transition quarter combined higher reported profit with lower NPAs.

FY27-Q1. Latest quarter extended the income, profit and NPA improvement sequence.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

City Union Bank Ltd reported ₹2,092 Cr of income in the Sep 2026 quarter, +26.6% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 10 years it has grown 8.8% a year on average. The last full year, FY26, came in at ₹6,870 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

Why this happened. Management retained an above-industry credit-growth objective and described secured retail as an incremental portfolio engine. MSME utilisation remains a near-term swing factor because repayments create a replacement burden before net growth appears.

The last four reported quarters add to ₹7,689 Cr.

FY26 revenue was ₹6,870 Cr, +17.8% on the year before.

Recent pace: the last four quarters grew +22.5% on average, against 8.8% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +22.6%, against +18.0% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +23.3%, against +18.8% a year (accelerating).

FY26-Q4. The pre-transition quarter combined higher reported profit with lower NPAs.

FY27-Q1. Latest quarter extended the income, profit and NPA improvement sequence.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

City Union Bank Ltd's net margin was 19.9% in the Sep 2026 quarter, about the same as the same quarter a year ago. Across 13 years it has been between 11.4% and 19.9%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why this happened. Gross and net NPAs have declined across the supplied quarterly series, while the latest concall reported recoveries above slippages. For a lender, this is the key operating mechanism behind a sustained return improvement.

In the latest quarter it moved +0.0 percentage points on the same quarter a year ago.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

FY26-Q4. The pre-transition quarter combined higher reported profit with lower NPAs.

FY27-Q1. Latest quarter extended the income, profit and NPA improvement sequence.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

City Union Bank Ltd's gross NPA, the share of loans that have stopped being repaid, is 1.44% in Sep 2026, down from 2.42% a year ago. After the money already set aside for bad loans, 0.48% is left (net NPA). That is the 11th quarter in a row of improvement.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Across the 12 quarters on file it has been between 1.44% and 4.47%. Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Sep 2026, gross NPA was 1.44% and net NPA 0.48%, against 2.42% and 0.90% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

City Union Bank Ltd's revenue was ₹6,870 Cr in FY26, +17.8% on the year before, so the loan book is growing. The latest quarter was +26.6% on a year earlier. The net margin on that income is 19.9%, +0.0 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

City Union Bank Ltd's P/BV is 1.9×, in the middle of its own history: higher than 42% of past readings. Its usual P/BV (the middle reading) is 2.0×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.