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City Union Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹229.61Overvalued by 15.58%vs CMP ₹272.00

P/E (15.2) × ROE (13.2%) × BV (₹142.00) × DY (0.74%)

₹177.53Overvalued by 34.73%vs CMP ₹272.00
MoS: -53.2% (Negative)Confidence: 54/100 (Moderate)Models: 2 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹253.7123%Fair (-6.7%)
Graham NumberEarnings₹232.5817%Over (-14.5%)
Earnings PowerEarnings₹114.5014%Over (-57.9%)
DCFCash Flow₹286.3314%Fair (+5.3%)
Net Asset ValueAssets₹133.607%Over (-50.9%)
EV/EBITDAEnterprise₹11.049%Over (-95.9%)
Dividend DiscountDividends₹27.509%Over (-89.9%)
Earnings YieldEarnings₹169.307%Over (-37.8%)
Consensus (8 models)₹177.53100%Overvalued
Key Drivers: Wide model spread (₹11–₹286) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 10.5%

*Investments are subject to market risks

Analyst Summary

City Union Bank Ltd operates in the Finance - Banks - Private Sector segment, NSE: CUB | BSE: 532210, current market price is ₹272.00, market cap is 20,208 Cr.. At a glance, stock P/E is 15.2, ROE is 13.2 %, ROCE is 6.74 %, book value is 142, dividend yield is 0.74 %. The latest intrinsic value estimate is ₹177.53, around 34.7% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹5,834 Cr versus the prior period change of 10.7%, while latest net profit is about ₹1,124 Cr with a prior-period change of 10.6%. The 52-week range shown on this page is 324/173, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisCity Union Bank Ltd. is a Public Limited Listed company incorporated on 31/10/1904 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L6…

This summary is generated from the stock page data available for City Union Bank Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

58
City Union Bank Ltd scores 58/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 6.7% WeakROE 13.2% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money45/100 · Moderate
FII holding down -4.55% (6mo) SellingDII holding up 7.16% MF buying
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +15% YoY Positive
Industry Rank75/100 · Strong
P/E 15.2 vs industry 21.8 Cheaper than peersROCE 6.7% vs industry 6.5% AverageROE 13.2% vs industry 10.1% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: May 4, 2026, 11:59 pm

Market Cap 20,208 Cr.
Current Price 272
Intrinsic Value₹177.53
High / Low 324/173
Stock P/E15.2
Book Value 142
Dividend Yield0.74 %
ROCE6.74 %
ROE13.2 %
Face Value 1.00
PEG Ratio1.45

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for City Union Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
City Union Bank Ltd 20,208 Cr. 272 324/17315.2 1420.74 %6.74 %13.2 % 1.00
REC Ltd 20,415 Cr. 330 346/18824.8 2660.30 %5.77 %5.13 % 10.0
Jammu & Kashmir Bank Ltd 14,504 Cr. 132 136/87.36.77 1411.63 %6.15 %15.8 % 1.00
Ujjivan Small Finance Bank Ltd 11,928 Cr. 61.4 68.0/39.224.1 32.10.00 %8.53 %12.4 % 10.0
Karur Vysya Bank Ltd 28,739 Cr. 297 344/16712.5 1320.73 %7.38 %17.6 % 2.00
Industry Average144,337.96 Cr335.3721.78221.370.56%6.49%10.13%6.30

All Competitor Stocks of City Union Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,2061,2281,2661,3041,3261,3741,3891,4341,4791,5331,6051,6531,756
Interest 6507147447668108288438518919329809871,004
Expenses 507451452390391402403451455489488512580
Financing Profit496371149125145142132133112137154172
Financing Margin %4%5%6%11%9%11%10%9%9%7%9%9%10%
Other Income 224195191182193175192226228251244259245
Depreciation 0000000000000
Profit before tax 273258262331318320334358361363381414417
Tax % 20%16%13%15%20%20%21%20%21%21%20%21%20%
Net Profit 218218227281253255264285286288306329332
EPS in Rs 2.942.943.073.793.423.443.573.853.863.894.134.434.48
Gross NPA %4.62%4.37%4.91%4.66%4.47%3.99%3.88%3.54%3.36%3.09%2.99%2.42%2.17%
Net NPA %2.67%2.36%2.51%2.34%2.19%1.97%1.87%1.62%1.42%1.25%1.20%0.90%0.78%

Last Updated: February 6, 2026, 8:13 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 23, 2026, 6:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2,5462,6992,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,547
Interest 1,7871,8911,9631,9751,9722,1562,4932,3052,1882,5523,1473,5183,903
Expenses 5886557369371,1201,1401,6901,7381,6051,7231,5591,7162,069
Financing Profit171153245262310472-1592311440564600575
Financing Margin %7%6%8%8%9%13%-0%2%8%9%11%10%9%
Other Income 2804154104845325146806897598107428981,000
Depreciation 3847525352627987857375820
Profit before tax 4145216036937909255866939851,1771,2311,4171,575
Tax % 16%24%26%27%25%26%19%14%23%20%17%21%
Net Profit 3473954455035926834765937609371,0161,1241,255
EPS in Rs 5.295.476.146.918.109.306.468.0210.2812.6613.7115.1616.93
Dividend Payout % 16%17%16%4%3%5%8%6%10%8%11%13%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)13.83%12.66%13.03%17.69%15.37%-30.31%24.58%28.16%23.29%8.43%10.63%
Change in YoY Net Profit Growth (%)0.00%-1.17%0.38%4.66%-2.32%-45.68%54.89%3.58%-4.87%-14.86%2.20%

City Union Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:8%
5 Years:7%
3 Years:12%
TTM:12%
Compounded Profit Growth
10 Years:11%
5 Years:19%
3 Years:14%
TTM:11%
Stock Price CAGR
10 Years:10%
5 Years:7%
3 Years:3%
1 Year:15%
Return on Equity
10 Years:13%
5 Years:12%
3 Years:13%
Last Year:13%

Last Updated: September 5, 2025, 2:00 am

Balance Sheet

Last Updated: December 4, 2025, 1:07 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 54606060667374747474747474
Reserves 1,9712,6362,9923,5104,0974,7675,2225,7696,5127,3838,3279,3939,852
Deposits22,05724,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52669,486
Borrowing2651296655311,7364812,0321,3465,3124,6884,7242,1692,183
Other Liabilities 6479329291,0541,1861,4891,5731,5861,9442,0512,0442,4612,808
Total Liabilities 24,99427,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62384,402
Fixed Assets 183210218215223250245233215239270322388
CWIP 0000000000000
Investments 5,9545,8716,8267,0317,8797,7129,1179,43612,22114,33315,66417,33617,519
Other Assets 18,85721,79024,76028,02431,83537,29740,37243,64349,09552,02354,89159,96566,496
Total Assets 24,99427,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62384,402

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 131248284-1834191,8369221,1667244361,128802
Cash from Investing Activity + -64-60-50-61-87-60-38-63-72-106-120-208
Cash from Financing Activity + 291-75-41-5-1810-31-690-36-2,6623,042
Net Cash Flow 357113229-2433271,7588931,072-38294-1,6533,637
Free Cash Flow 66188233-2443321,7778841,1036523301,009595
CFO/OP 14%10%17%-3%23%73%41%47%31%16%32%22%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow566.00631.00709.00907.00-31.00-37.00-39.00-43.00-46.00-51.00-54.00-62.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 19%16%15%15%15%15%9%11%12%13%13%13%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
FIIs 24.95%25.33%23.66%26.60%26.95%26.44%26.01%27.44%28.04%27.38%25.96%23.49%
DIIs 36.18%33.12%33.18%32.39%29.50%32.55%33.57%33.59%33.07%35.23%36.75%40.23%
Public 38.85%41.54%43.15%41.01%43.55%41.00%40.42%38.98%38.90%37.40%37.27%36.26%
No. of Shareholders 1,48,0271,84,7782,08,8122,16,0192,48,8152,29,9432,34,2222,28,0012,23,5852,10,2982,09,8052,15,430

Shareholding Pattern Chart

No. of Shareholders

City Union Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Small Cap Fund 41,418,063 3.63 1249.7941,579,7172026-02-23 03:43:27-0.39%
HDFC Mid Cap Fund 25,902,000 0.85 781.5926,052,0002026-01-26 03:17:01-0.58%
HDFC Small Cap Fund 20,005,638 1.63 603.67N/AN/AN/A
Axis Small Cap Fund 19,699,201 2.33 594.42N/AN/AN/A
Canara Robeco Small Cap Fund 11,655,992 2.78 351.7211,901,9922026-02-23 03:43:28-2.07%
Nippon India Small Cap Fund 10,250,670 0.47 309.31N/AN/AN/A
HSBC Midcap Fund 9,226,374 2.29 278.418,704,4292026-02-23 03:43:286%
HSBC Small Cap Fund 8,585,072 1.72 259.056,806,9082026-01-26 03:05:1326.12%
Edelweiss Small Cap Fund 6,944,731 3.9 209.56N/AN/AN/A
Edelweiss Mid Cap Fund 5,429,290 1.19 163.83N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value1.001.001.001.001.00
Basic EPS (Rs.) 15.1713.7212.6710.298.03
Diluted EPS (Rs.) 15.0713.6212.5710.187.97
Cash EPS (Rs.) 16.2714.7313.6511.439.21
Book Value[Excl.RevalReserv]/Share (Rs.) 127.76113.43100.7289.0579.08
Book Value[Incl.RevalReserv]/Share (Rs.) 127.76113.43100.7289.0579.08
Dividend / Share (Rs.) 2.001.501.001.000.50
Operating Revenue / Share (Rs.)78.7371.1663.6755.5055.96
Net Profit / Share (Rs.) 15.1613.7112.6610.288.02
Interest Income / Employee (Rs.)7671324.927332450.197832425.827648180.557076304.81
Net Profit / Employee (Rs.)1477483.631413092.521557533.641416368.731014586.34
Business / Employee (Rs.)152014738.33140765665.55158583159.49164054663.69138105754.75
Interest Income / Branch (Rs.)66674772.5765882065.0062690652.9356461877.5858898645.30
Net Profit / Branches (Rs.)12841443.4312696636.2512466482.7110456191.208444769.23
Business / Branches (Rs.)1321225240.001264779505.001269297921.541211116066.021149504166.67
Net Profit Margin (%) 19.2519.2719.8818.5114.33
Operating Profit Margin (%)34.9635.4531.5328.4123.39
Return On Assets (%) 1.441.431.401.231.11
Return On Equity / Networth (%)11.8612.0812.5711.5410.14
Net Interest Margin (X)2.982.993.243.113.43
Cost To Income (%)47.7647.0638.8540.3741.45
Interest Income / Total Assets (%)7.517.447.076.677.75
Non-Interest Income / Total Assets (%)1.151.041.211.231.32
Operating Profit / Total Assets (%)0.290.380.190.00-0.20
Operating Expenses / Total Assets (%)1.971.901.731.751.97
Interest Expenses / Total Assets (%)4.534.443.833.554.32
Enterprise Value (Rs.Cr.)73465.3965768.1763101.7359580.7454608.58
EV Per Net Sales (X)12.5912.4813.3914.5113.21
Price To Book Value (X)1.231.191.251.451.97
Price To Sales (X)2.001.901.982.332.79
Retention Ratios (%) 90.1192.7192.1195.1493.78
Earnings Yield (X)0.090.100.100.070.05

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

City Union Bank Ltd. is a Public Limited Listed company incorporated on 31/10/1904 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65110TN1904PLC001287 and registration number is 001287. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 6869.76 Cr. and Equity Capital is Rs. 74.30 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private Sector149, T.S.R. (Big) Street, Thanjavur Dist., Kumbakonam Tamil Nadu 612001Contact not found
Management
NamePosition Held
Mr. G MahalingamNon Exe.Part Time Chairman
Dr. N KamakodiManaging Director & CEO
Mr. R Vijay AnandhExecutive Director
Mr. V RameshExecutive Director
Dr. T S SridharDirector
Mr. K VaidyanathanDirector
Mr. T K RamkumarDirector
Mrs. Lalitha RameswaranDirector
Prof. V KamakotiDirector
Mr. N SubramaniamDirector
Mr. V N Shiva ShankarDirector

FAQ

What is the intrinsic value of City Union Bank Ltd and is it undervalued?

As of 05 May 2026, City Union Bank Ltd's intrinsic value is ₹177.53, which is 34.73% lower than the current market price of ₹272.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (13.2 %), book value (₹142), dividend yield (0.74 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of City Union Bank Ltd?

City Union Bank Ltd is trading at ₹272.00 as of 05 May 2026, with a FY2026-2027 high of ₹324 and low of ₹173. The stock is currently in the middle of its 52-week range. Market cap stands at ₹20,208 Cr..

How does City Union Bank Ltd's P/E ratio compare to its industry?

City Union Bank Ltd has a P/E ratio of 15.2, which is below the industry average of 21.78. This is broadly in line with or below the industry average.

Is City Union Bank Ltd financially healthy?

Key indicators for City Union Bank Ltd: ROCE of 6.74 % is on the lower side compared to the industry average of 6.49%. Dividend yield is 0.74 %.

Is City Union Bank Ltd profitable and how is the profit trend?

City Union Bank Ltd reported a net profit of ₹1,124 Cr in Mar 2025 on revenue of ₹5,834 Cr. Compared to ₹760 Cr in Mar 2022, the net profit shows an improving trend.

Does City Union Bank Ltd pay dividends?

City Union Bank Ltd has a dividend yield of 0.74 % at the current price of ₹272.00. The company pays dividends, though the yield is modest.

Last Updated: May 4, 2026, 11:59 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532210 | NSE: CUB
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in City Union Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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