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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
City Union Bank Limited (the Bank) is an India-based banking company. The Bank provides a range of banking and financial services, including commercial banking and treasury operations. The Bank's segments include Treasury, Corporate/wholesale banking, Retail banking and other…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, priced for perfection.
City Union Bank is scored on the bank / lender framework. It keeps a healthy 16.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 13%/yr and profit at 12%/yr. Book value has grown 12%/yr. Return on equity is a healthy 13.3%. In the latest quarter profit grew 9% versus the prior quarter.
At 16× earnings, the stock sits at the 84th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~5%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 14.59 | 9.9 | worse |
| P/B | 1.94 | 1.39 | worse |
| ROE | 13.31 | 9.98 | better |
| ROA | 1.56 | 0.92 | better |
| NIM | 3.24 | 4.25 | worse |
| Net NPA | 0.68 | 0.79 | better |
| CASA | 0 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 13% CAGR over 3 years — steady double-digit compounder. Growth is accelerating — latest year outpaced the prior year's rate.
Net profit has risen every year — the hallmark of a compounder.
Operating margins have been stable around 21% — no major structural shift.
EPS has grown every year — each share earns more than the last, consistently. 12% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 10% sequentially — momentum is building. Run-rate stepping up — recent quarters average 13% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
FIIs trimmed 6.1pp — foreign money is rotating out. MF holding up 6.1pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.