City Union Bank (NSE:CUB) Retained Earnings: ₹0 Mil (As of Jun. 2026)

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NSE:CUB City Union Bank Ltd NSE:CUB
75 GF Score
Price ₹228.86
GF Value ₹179.82
Valuation Modestly Overvalued
! 4 Warning Signs
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What is City Union Bank Retained Earnings?

City Union Bank NSE:CUB -3.90% 75 Retained Earnings is ₹0 Mil as of Jun. 2026. GuruFocus rates NSE:CUB with a GF Score™ of 75/100 and a GF Value™ of ₹179.82 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. City Union Bank's retained earnings for the quarter that ended in Jun. 2026 was ₹0 Mil.

City Union Bank's quarterly retained earnings increased from Dec. 2025 (₹0 Mil) to Mar. 2026 (₹1,611 Mil) but then declined from Mar. 2026 (₹1,611 Mil) to Jun. 2026 (₹0 Mil).

City Union Bank's annual retained earnings increased from Mar. 2024 (₹1,126 Mil) to Mar. 2025 (₹1,541 Mil) and increased from Mar. 2025 (₹1,541 Mil) to Mar. 2026 (₹1,611 Mil).


City Union Bank  (NSE:CUB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


City Union Bank Retained Earnings Historical Data

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The historical data trend for City Union Bank's Retained Earnings 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 Retained Earnings Chart

City Union Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 994.21 1,090.78 1,125.73 1,541.08 1,610.56

City Union Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 1,610.56 0.00
NSE:CUB
75GF Score
City Union Bank Ltd NSE:CUB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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City Union Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of ₹0 Mil mean?
City Union Bank (NSE:CUB) has a Retained Earnings of ₹0 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on City Union Bank and its competitors.
Is City Union Bank's Retained Earnings too high?
City Union Bank's current Retained Earnings is ₹0 Mil. Overall, City Union Bank has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Union Bank's Retained Earnings compare to competitors?
City Union Bank's Retained Earnings of ₹0 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on City Union Bank and its competitors. City Union Bank's current Retained Earnings is ₹0 Mil. 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 Modestly Overvalued. The stock's GF Value™ is ₹179.82, compared to a current price of ₹228.86 — trading 27.3% above its estimated fair value. The current Retained Earnings is ₹0 Mil. City Union Bank's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For City Union Bank (NSE:CUB), the current Retained Earnings is ₹0 Mil as of Jun. 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 ₹228.86 is trading 27.3% above its estimated GF Value™ of ₹179.82. GuruFocus considers City Union Bank to be Modestly Overvalued.

Key valuation signals for NSE:CUB:

  • Retained Earnings: ₹0 Mil
  • GF Value™: ₹179.82 vs. price of ₹228.86 (27.3% above fair value)
  • GF Score™: 75/100 with 4 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

Other Exchanges 532210:India
Address Number 24 - B, Gandhi Nagar, Narayana, Kumbakonam, Thanjavur, TN, IND, 612 001
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.
75GF Score

Get the complete analysis for NSE:CUB

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹228.86
Price
₹179.82
GF Value