City Union Bank (NSE:CUB) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is City Union Bank LT-Debt-to-Total-Asset?

City Union Bank NSE:CUB +1.46% 79 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates NSE:CUB with a GF Score™ of 79/100 and a GF Value™ of ₹173.71 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. City Union Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

City Union Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.06). It may suggest that City Union Bank is progressively becoming more dependent on debt to grow their business.

City Union Bank (NSE:CUB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

City Union Bank LT-Debt-to-Total-Asset Related Terms

City Union Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for City Union Bank's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

City Union Bank LT-Debt-to-Total-Asset Chart

City Union Bank Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.09

0.07

0.05

0.02

0.06

City Union Bank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.00	0.03	0.00	0.06

79GF Score

City Union Bank Ltd NSE:CUB

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City Union Bank LT-Debt-to-Total-Asset Calculation

City Union Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	53267.979	/	970243.952
	=	0.05

City Union Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	53267.979	/	970243.952
	=	0.05

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

City Union Bank (NSE:CUB) has a LT-Debt-to-Total-Asset of 0.06 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on City Union Bank and its competitors.

Is City Union Bank's LT-Debt-to-Total-Asset too high?

City Union Bank's current LT-Debt-to-Total-Asset is 0.06. Overall, City Union Bank has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does City Union Bank's LT-Debt-to-Total-Asset compare to competitors?

City Union Bank's LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on City Union Bank and its competitors. City Union Bank's current LT-Debt-to-Total-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is City Union Bank stock overvalued right now?

Based on GuruFocus' analysis, City Union Bank (NSE:CUB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹173.71, compared to a current price of ₹227.97 — trading 31.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. City Union Bank's overall GF Score™ is 79/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For City Union Bank (NSE:CUB), the current LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is City Union Bank (NSE:CUB) Overvalued in 2026?

Based on GuruFocus' analysis, City Union Bank stock appears to be overvalued. The current stock price of ₹227.97 is trading 31.2% above its estimated GF Value™ of ₹173.71. GuruFocus considers City Union Bank to be Significantly Overvalued.

Key valuation signals for NSE:CUB:

LT-Debt-to-Total-Asset: 0.06
GF Value™: ₹173.71 vs. price of ₹227.97 (31.2% above fair value)
GF Score™: 79/100 with 6 warning signs

No single metric tells the full story. See the NSE:CUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

City Union Bank Business Description

Industry Financial Services Banks

Comparable Companies BOM:533295 BOM:532209 BOM:532218 BOM:543596 BOM:590003 BOM:542904 BOM:532885 BOM:532652 BOM:543243 BOM:541153 SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 532210:India

Address Number 24 - B, Gandhi Nagar, Narayana, Kumbakonam, Thanjavur, TN, IND, 612 001

Website https://www.cityunionbank.com

City Union Bank Ltd is a provider of banking products and services to individuals and corporations in India. The company is based in India, and generates the entirety of its revenue domestically. City Union Bank operates through four segments: Corporate banking, Treasury, Retail Banking and Other Banking Operations. Of these, Retail Banking contributes for maximum of the bank's revenues. Services offered to clients include savings and current accounts, deposits, credit, foreign deposits, auto loans, educational loans, consumer and jewel loans, life insurance, general insurance and online banking services.

79GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹227.97

Price

₹173.71

GF Value

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