City Union Bank

City Union Bank ROA

The Return on Assets (ROA) of City Union Bank (CUB.NS) as of Oct 28, 2026 is 1.37 %. In the previous year, Return on Assets (ROA) was 1.45 % — a change of -5.57% (lower).

ROA

1.37 %

YoY

-5.57%

Last updated:

In 2026, City Union Bank's return on assets (ROA) was 1.37 %, a -5.57% increase from the 1.45 % ROA in the previous year.

The City Union Bank ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2019
1.51 INR
Jan 1, 2020
0.96 INR
Jan 1, 2021
1.11 INR
Jan 1, 2022
1.24 INR
Jan 1, 2023
1.41 INR
Jan 1, 2024
1.43 INR
Jan 1, 2025
1.45 INR
Jan 1, 2026
1.37 INR
The City Union Bank ROA history
YEARROAYoY
1.37 %-5.57%
1.45 %+0.94%
1.43 %+1.87%
1.41 %+13.95%
1.24 %+11.10%
1.11 %+16.11%
0.96 %-36.52%
1.51 %+1.78%
1.48 %+3.99%
1.43 %+0.18%
1.42 %+0.40%
1.42 %+2.06%
1.39 %—

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City Union Bank Stock analysis

What does City Union Bank do? City Union Bank Ltd. (CUB) is an Indian bank headquartered in Kumbakonam, Tamil Nadu. It was founded in 1904 and has been listed on the Bombay Stock Exchange since 1990. The history of CUB is marked by growth and expansion. Initially, it focused on trading and financing agricultural products. Later, it expanded its portfolio and began offering services to small and medium-sized enterprises. Today, CUB is a fully integrated financial institution offering a wide range of products and services to retail customers, corporate customers, and institutions. CUB's business model is customer-oriented. The bank provides customized financial solutions for every market segment, including retail, trade, commerce, infrastructure, real estate, services, and agricultural industry. The products include loans and overdrafts, deposits and savings plans, foreign exchange and trading services, online banking, credit cards, and other payment instruments. One of CUB's strengths is diversification. The bank has various divisions specializing in different business fields. For example, the Retail Banking, Corporate Banking, Treasury, and SME Banking divisions are core areas of the bank. In Retail Banking, CUB offers products such as credit cards, accounts, loans, and investments for retail customers. The focus here is on providing customers with a wide range of customized products and services. The goal is to offer customers a simple and convenient way of banking. Corporate Banking caters to the needs of corporate customers in various industries. The bank offers various financing solutions, asset management, cash management, and trade services. The aim is to support companies in financing and growth to build long-term partnerships. CUB's Treasury division specializes in institutional customers and large corporations. Here, the bank offers foreign exchange trading services, lending, and portfolio management services. With its excellent market knowledge, CUB can provide customers with high flexibility and timeliness in market analysis. SME Banking (Small and Medium Enterprises) is one of the key divisions of CUB. The bank focuses particularly on small and medium-sized enterprises and offers them a wide range of financing solutions, cash management services, and other tailored services. SME Banking is a growing division and provides CUB with a good opportunity to expand in the market. Overall, CUB is a powerful bank that focuses on customer orientation, diversification, and expansion. The bank is able to serve various target groups and has established a solid foundation for future growth. City Union Bank is one of the most popular companies on Eulerpool.

ROA Details

Understanding City Union Bank's Return on Assets (ROA)

City Union Bank's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing City Union Bank's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider City Union Bank's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in City Union Bank’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about City Union Bank stock

Return on Assets (ROA) of City Union Bank is 1.37 % in 2026.

Return on Assets (ROA) of City Union Bank changed from 1.45 % to 1.37 %, representing a -5.57% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) City Union Bank since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s City Union Bank with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — City Union Bank

All Key Metrics — City Union Bank