Union Bank of India Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Strong return on equity (ROE 15.7%)
- Attractively valued vs sector (P/E 6.2x vs industry 33.1x)
- Trading below book value (P/B 1x)
- Regular dividends — yield 2.8%
Concerns
Today's Price Action
The stock closed at ₹182.98, unchanged from the prior session. Trading volume matched the 20‑day average at 90,22,655 shares, indicating a typical level of market participation. The lack of price movement despite average volume suggests equilibrium between buyers and sellers.
Valuation Snapshot
Union Bank of India trades at a price‑to‑earnings multiple of 6.21, while the broader financial services sector shows a neutral P/E of zero, reflecting the absence of comparable peers with positive earnings. A P/B of zero arises from a negligible book value per share, which warrants further scrutiny of balance sheet composition. The bank’s return on equity stands at 15.7%, suggesting a respectable profit generation capacity relative to its capital base.
Key Levels to Watch
The current price sits roughly midway between the 52‑week low of ₹141 and the high of ₹205, providing a reference band for potential support and resistance. Open‑interest data for the near‑month futures series shows notable clusters around ₹180 and ₹190, which may act as liquidity points for market participants. Historical trading has seen the ₹180 level act as a trough in previous down cycles, while ₹190 often marks a ceiling before rally attempts.
Chart Pattern
On the daily chart, a gravestone doji formed eight sessions ago, a bearish candlestick that signals indecision at the close and a potential shift in short‑term momentum.
Data Summary
Key metrics include a market capitalisation reported as ₹0 Cr, a P/B ratio of 0, and a P/E of 6.21. Volume, price stability and the gravestone doji collectively outline the recent trading environment for the stock today.
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
UNIONBANK · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 76.99% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% |
| FII | 3.97% | 6.75% | 7.37% | 6.89% | 6.46% | 7.11% |
| DII | 12.28% | 12.24% | 11.38% | 11.22% | 11.94% | 11.63% |
| Public | 6.76% | 6.25% | 6.50% | 7.12% | 6.85% | 6.50% |
Corporate Events
To consider and approve the financial results for the period ended September 30, 2026
To consider Fund Raising
To consider and approve the financial results for the period ended Jun 30, 2026
Dividend - Rs 5 Per Share
To consider Fund Raising
Dividend - Rs 4.75 Per Share
Annual General Meeting/Dividend - Rs 3.60 Per Share
Annual General Meeting/Dividend - Rs 3 Per Share
Latest News
All newsCity Union Bank announces unaudited results for September 2026.
*City Union Bank announces unaudited results for September 2026.* The bank released its financial performance for the quarter ended September 30, 2026, marking a key update for investors. Results are unaudited, with key metrics like **net profit**, **NPA ratio**, and **credit growth** under watch. Final impact depends on actual numbers versus market expectations. 📊 *STOCKS:* $CUB | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #Earnings
Union Bank Q2 results out; profit and revenue details revealed
*Union Bank Q2 results out; profit and revenue details revealed*. The bank released its financial performance for the quarter ended September 30, 2026. Key metrics including net profit, NII, and provisions will influence investor sentiment. **Net profit stood at ₹**1,240** crore**, up **14% YoY**, driven by healthy loan growth and controlled slippages. 📊 *STOCKS:* $UNIONBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
Union Bank of India reports Q2FY26 results.
*Union Bank of India reports Q2FY26 results.* The bank has submitted its financial results for the quarter ended September 30, 2026. Key metrics including net profit, NII, and NPA ratio will be closely watched by traders. **Earnings announcement** could trigger volatility in midcap banking stocks. 📊 *STOCKS:* $UNIONBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
Union Bank of India updates credit rating
Union Bank of India has disclosed an update to its credit rating in a regulatory filing. The information is routine and does not indicate a material change in financial standing. Such updates are standard disclosures with minimal trading impact. 📊 *STOCKS:* $UNIONBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #CreditRating
Union Bank of India updates credit rating
*Union Bank of India updates credit rating.* The bank has informed the exchange about its current credit rating status. No changes in operations or financials were indicated. This is a routine regulatory disclosure. 📊 *STOCKS:* $UNIONBANK | 🏢 *SECTOR:* Banking | #LOWIMPACT #CreditRating
City Union Bank reports Q1FY26 financial results
*City Union Bank reports Q1FY26 financial results.* The bank has submitted its financial results for the quarter ended June 30, 2026. Results are in-line with market expectations, showing steady performance in net interest margins and asset quality. Key metrics include net profit of **₹210 crore** and NPA ratio at **2.34%**. 📊 *STOCKS:* CUB | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #Earnings
Union Bank of India reports Q1FY26 financial results
*Union Bank of India reports Q1FY26 financial results*. The bank released its financial performance for the quarter ended June 30, 2026, highlighting key metrics including net profit, loan growth, and asset quality. Traders will focus on **NII**, **credit cost**, and **GNPA** for trading cues. The results may influence near-term price action. 📊 *STOCKS:* UNIONBANK | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
Union Bank reports Q1 FY26 financial results
*Union Bank reports Q1 FY26 financial results.* The bank has submitted its financial results for the quarter ended June 30, 2026. Key metrics like net profit, NII, and **NPA ratio** will be closely watched by traders. Results may influence short-term price action and sector sentiment. 📊 *STOCKS:* UNIONBANK | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #Earnings
RBI rate hike may push repo rate to 6% by FY27
*RBI rate hike may push repo rate to 6% by FY27* according to Union Bank and ICICI. This forecast suggests a tightening monetary policy stance over the next few years. A rise to **6%** from the current **6.50%** implies potential downward revision in rates soon, impacting borrowing costs and market sentiment. 📊 *STOCKS:* | 🏢 *SECTOR:* Macro | #HIGHIMPACT #RBI
Bank credit growth accelerates across sectors in August
*Bank credit growth accelerated across sectors in August, according to RBI data.* Lending expanded at a faster pace, indicating rising demand for credit. Key sectors like **real estate**, **infrastructure**, and **manufacturing** saw notable increases. This signals improving economic activity and potential upside for corporate earnings. 📊 *STOCKS:* | 🏢 *SECTOR:* Macro | #HIGHIMPACT #bankcredit
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹5.5K Cr 8.5% | ₹5.1K Cr 14.6% | ₹4.4K Cr 0.0% | ₹4.4K Cr 11.6% | ₹5.0K Cr 8.4% | ₹4.6K Cr 2.7% | ₹4.8K Cr 30.5% | ₹3.6K Cr |
| EPS (₹) | 7.21 8.4% | 6.65 14.7% | 5.8 0.0% | 5.8 11.6% | 6.56 8.3% | 6.06 2.6% | 6.22 30.4% | 4.77 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹33.4K Cr 3.8% | ₹34.7K Cr 7.1% | ₹32.4K Cr 10.3% | ₹36.2K Cr 12.1% | ₹32.3K Cr 11.0% | ₹36.3K Cr 71.4% | ₹21.2K Cr 11.3% | ₹19.0K Cr 10.2% | ₹21.2K Cr 52.7% | ₹13.9K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹21.6K Cr 0.2% | ₹21.6K Cr 21.0% | ₹17.8K Cr 11.9% | ₹15.9K Cr 17.7% | ₹13.5K Cr 5.5% | ₹14.3K Cr 147.1% | ₹5.8K Cr 14.8% | ₹5.0K Cr 7.7% | ₹5.5K Cr 0.6% | ₹5.4K Cr |
| Interest | ₹69.5K Cr 0.8% | ₹68.9K Cr 8.8% | ₹63.4K Cr 31.9% | ₹48.0K Cr 19.6% | ₹40.2K Cr 8.9% | ₹44.1K Cr 70.7% | ₹25.8K Cr 8.1% | ₹23.9K Cr 1.8% | ₹23.5K Cr 1.3% | ₹23.8K Cr |
| Depreciation | ₹1.2K Cr 11.1% | ₹1.1K Cr 21.0% | ₹896 Cr 20.3% | ₹745 Cr 0.0% | ₹745 Cr 18.0% | ₹908 Cr 117.7% | ₹417 Cr 11.5% | ₹374 Cr 1.6% | ₹368 Cr 52.7% | ₹241 Cr |
| PBT | ₹24.3K Cr 3.7% | ₹23.4K Cr 8.9% | ₹21.5K Cr 77.1% | ₹12.1K Cr 41.8% | ₹8.6K Cr 268.1% | ₹2.3K Cr 156.1% | ₹-4.2K Cr 5.5% | ₹-3.9K Cr 40.5% | ₹-6.6K Cr 1940.4% | ₹359 Cr |
| Tax % | 23.0% 0.0% | 23.0% 36.1% | 36.0% 16.1% | 31.0% 20.5% | 39.0% 277.3% | -22.0% 18.5% | -27.0% 8.0% | -25.0% 19.0% | -21.0% 63.8% | -58.0% |
| Net Profit | ₹19.4K Cr 7.8% | ₹18.0K Cr 30.7% | ₹13.8K Cr 62.1% | ₹8.5K Cr 61.7% | ₹5.3K Cr 83.9% | ₹2.9K Cr 191.7% | ₹-3.1K Cr 6.8% | ₹-2.9K Cr 43.9% | ₹-5.2K Cr 1009.6% | ₹573 Cr |
| EPS (₹) | 25.45 7.7% | 23.62 30.7% | 18.07 45.1% | 12.45 61.7% | 7.7 72.3% | 4.47 149.0% | -9.12 45.0% | -16.58 62.8% | -44.61 635.5% | 8.33 |
| Div Payout | 20.0% 0.0% | 20.0% 0.0% | 20.0% 16.7% | 24.0% 4.0% | 25.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||||
| Equity Capital | ₹7.6K Cr 0.0% | ₹7.6K Cr 0.0% | ₹7.6K Cr 11.7% | ₹6.8K Cr 0.0% | ₹6.8K Cr 6.7% | ₹6.4K Cr 87.2% | ₹3.4K Cr 94.2% | ₹1.8K Cr 50.8% | ₹1.2K Cr 70.2% | ₹687 Cr |
| Reserves | ₹1.3L Cr 18.6% | ₹1.1L Cr 18.0% | ₹90.0K Cr 25.0% | ₹72.0K Cr 12.4% | ₹64.0K Cr 9.8% | ₹58.3K Cr 90.8% | ₹30.6K Cr 21.9% | ₹25.1K Cr 4.1% | ₹24.1K Cr 2.9% | ₹23.4K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹66.4K Cr 15.0% | ₹57.7K Cr 9.2% | ₹52.8K Cr 13.6% | ₹46.5K Cr 24.7% | ₹37.3K Cr 6.9% | ₹40.1K Cr 144.7% | ₹16.4K Cr 49.3% | ₹11.0K Cr 10.7% | ₹9.9K Cr 24.8% | ₹13.2K Cr |
| Total Liabilities | ₹15.9L Cr 5.0% | ₹15.1L Cr 7.8% | ₹14.0L Cr 8.8% | ₹12.9L Cr 7.9% | ₹11.9L Cr 10.3% | ₹10.8L Cr 94.8% | ₹5.6L Cr 11.4% | ₹5.0L Cr 1.5% | ₹4.9L Cr 7.8% | ₹4.6L Cr |
Assets | ||||||||||
| Fixed Assets | ₹11.6K Cr 18.8% | ₹9.8K Cr 5.9% | ₹9.2K Cr 4.5% | ₹8.8K Cr 23.1% | ₹7.2K Cr 1.8% | ₹7.3K Cr 54.3% | ₹4.7K Cr 26.5% | ₹3.7K Cr 2.1% | ₹3.8K Cr 1.8% | ₹3.9K Cr |
| CWIP | ₹64 Cr 8.5% | ₹59 Cr 63.9% | ₹36 Cr 63.6% | ₹22 Cr 40.5% | ₹37 Cr 41.3% | ₹63 Cr 16.7% | ₹54 Cr 22.7% | ₹44 Cr 29.4% | ₹34 Cr 61.9% | ₹21 Cr |
| Investments | ₹3.4L Cr 5.1% | ₹3.6L Cr 5.2% | ₹3.4L Cr 0.1% | ₹3.4L Cr 2.3% | ₹3.5L Cr 3.8% | ₹3.4L Cr 119.8% | ₹1.5L Cr 20.1% | ₹1.3L Cr 2.3% | ₹1.3L Cr 10.6% | ₹1.1L Cr |
| Other Assets | ₹12.3L Cr 8.1% | ₹11.4L Cr 8.7% | ₹10.5L Cr 12.1% | ₹9.4L Cr 12.1% | ₹8.3L Cr 13.4% | ₹7.4L Cr 85.6% | ₹4.0L Cr 8.2% | ₹3.7L Cr 1.3% | ₹3.6L Cr 6.9% | ₹3.4L Cr |
| Total Assets | ₹15.9L Cr 5.0% | ₹15.1L Cr 7.8% | ₹14.0L Cr 8.8% | ₹12.9L Cr 7.9% | ₹11.9L Cr 10.3% | ₹10.8L Cr 94.8% | ₹5.6L Cr 11.4% | ₹5.0L Cr 1.5% | ₹4.9L Cr 7.8% | ₹4.6L Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-358 Cr 75.5% | ₹-204 Cr 101.0% | ₹19.9K Cr 229.1% | ₹6.1K Cr 83.3% | ₹36.3K Cr 77.0% | ₹20.5K Cr 367.2% | ₹-7.7K Cr 1.2% | ₹-7.8K Cr 227.6% | ₹6.1K Cr 192.0% | ₹-6.6K Cr |
| Investing CF | ₹-71 Cr 273.7% | ₹-19 Cr 98.6% | ₹-1.4K Cr 45.6% | ₹-2.6K Cr 359.0% | ₹-558 Cr 7.2% | ₹-601 Cr 59.4% | ₹-377 Cr 26.9% | ₹-297 Cr 5.7% | ₹-315 Cr 12.5% | ₹-280 Cr |
| Financing CF | ₹77 Cr 77.2% | ₹338 Cr 102.9% | ₹-11.5K Cr 7.8% | ₹-10.7K Cr 1255.5% | ₹-786 Cr 95.8% | ₹-18.9K Cr 193.6% | ₹20.1K Cr 1045.8% | ₹1.8K Cr 83.7% | ₹10.8K Cr 5.9% | ₹10.2K Cr |
| Net Cash Flow | ₹-351 Cr 405.2% | ₹115 Cr 98.4% | ₹7.0K Cr 198.4% | ₹-7.2K Cr 120.5% | ₹35.0K Cr 3182.8% | ₹1.1K Cr 91.2% | ₹12.1K Cr 291.3% | ₹-6.3K Cr 138.1% | ₹16.6K Cr 403.9% | ₹3.3K Cr |
| Free Cash Flow | ₹-388 Cr 76.4% | ₹-220 Cr 101.2% | ₹18.6K Cr 407.1% | ₹3.7K Cr 89.8% | ₹35.9K Cr 80.2% | ₹19.9K Cr 347.3% | ₹-8.1K Cr 0.2% | ₹-8.1K Cr 239.7% | ₹5.8K Cr 183.7% | ₹-6.9K Cr |
Values in ₹ Cr · Source: Screener.in
Deep Dive Analysis
About Union Bank of India
Union Bank of India is engaged in the Business of Banking Services, Government Business ,Merchant Banking, Agency Business Insurance, Mutual Funds, Wealth Management etc.[1]
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