City Union Bank Limited (CUB) Fair Value & Analysis
Financial Services · IN · Market cap ₹198B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 6 days ago
Fair value updated Aug 13, 2026, revised from ₹174.01 to ₹161.65 (−7.1%) since Aug 2, 2026. Share price −1.8% over the past month.
A solid business, but screening 27% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹202.06). The favourable scenario is already priced in.
- Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹80.17 – ₹50,331 · fair‑value band ₹121.24 – ₹202.06 · the ₹221.03 price screens above the ₹161.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
City Union Bank Limited (CUB) currently trades at ₹221.03, while our model-based Fair Value estimate is ₹161.65, implying the stock looks roughly 26.9% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, City Union Bank Limited generated revenue of ₹35.3B at a net margin of 37.6%. Revenue grew 23.6% year over year. It earns a return on equity of 13.2%. The balance sheet holds a net cash position of ₹36.0B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹121.24 (bear case) to ₹202.06 (bull case); at ₹221.03, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at -27%, CUB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (₹149.28) versus Dividend Discount (₹23.97). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 54
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
City Union Bank Limited provides various banking products and services in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
Full company description
City Union Bank Limited provides various banking products and services in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, staff salary, and resident foreign currency accounts; fixed, recurring, flexifix, and income tax saver deposits; personal and agricultural gold, personal, consumer, home/housing, property, education, working capital, business, and foreign currency loans, as well as loan against property, gold-based overdraft, cash credits, bill finance, bank guarantee, and letter of credit; international business services, including export, import, fx retail, remittance, correspondent banking, and treasury risk management services; sovereign gold bond; debit, prepaid, and credit cards; NRI banking products and services; and insurance products comprising life, health, and general insurance products, as well as social security schemes. It also provides tech products and services, such as net/online and mobile banking; cash and wealth management; electronic fund transfer; green pins; wallet; point of sale; and automated teller machines, as well as demat, bill payment, GST and TAX payments, and digital signature services. In addition, the company offers payments to government, including online taxes and electricity bill payment; agri related information, academic, and kiosk services; and support services, such as safe deposit locker facilities, value added, 24/7 customer care, and account aggregator. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in December 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
City Union Bank Limited reported revenue of ₹79.1B in FY2026 versus ₹48.6B in FY2022, a compound +12.9%/yr. Reported net income was ₹13.3B in FY2026, compounding +14.9%/yr from FY2022.
of which total revenue +8.3 pp · buybacks/dilution −0.3 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
CUB screens 27% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1088 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,150 IDR | 6,067 IDR | +46% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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