Company profile / CUB

City Union Bank earnings calls.

Other · 3 quarters tracked · source-linked performance, management guidance and promise context.

Research layer active
PositiveCredibility 25/100Latest record q1-fy27

Latest revenue

Pending

financial record pending verification

Quarters tracked

3

source records in the directory

Delivery assessment

25

Across 4 tracked commitments: 1 delivered, 3 missed.

Call date

Pending

latest available source date

Signal trajectory

2 actual quarters
PAT (₹ Cr)PositiveWatchNegative
2 actual records
Actual quarterly PAT (₹ Cr) trajectoryReported values plotted by quarter. Hover or focus a point for its quarter, value, and source sentiment.Q3 FY26: 332 · Positive source sentiment · 2026-01-23Q3 FY26Q1 FY27: 383 · Positive source sentimentQ1 FY27383332
Values are taken from the available verified source records; sentiment color is a separate source-read indicator.

Current read

25/100

Across 4 tracked commitments: 1 delivered, 3 missed.

Latest source read

What changed this quarter?

Open quarter read

City Union Bank delivered a strong Q3 FY26 with PAT of 332 crore (+16% YoY) driven by 21% YoY credit growth—the highest in 28 quarters. NIM expanded to 3.89% (from 3.63% in Q2) aided by deposit repricing and a shift to fixed-rate gold loans. Asset quality improved sharply: GNPA fell to 2.17% (from 3.36% a year ago) and SMA2 dropped below 1%. Management guided for mid-to-high teen growth in FY27, stable NIM around 3.9% (±10bps), and ROA above 1.5%. Key risk: transmission of RBI rate cuts could pressure yields, though deposit repricing benefits may offset.

Colored figures compare against the previous available record. Hover or focus one for the comparison.

Signal

Positive

Revenue

Pending

Source date

Pending

Across the record

Quarter history.

2 source records

History modules

Follow the numbers and themes.

Revenue history PAT history Margin trend Guidance tracker Bear-case history Language trends FY26 summary