City Union Bank Intrinsic Value
CUB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹195.60 | ₹156.48 - ₹234.72 | -32.8% | EPS: ₹16.30, Sector P/E: 12x |
| Book Value Method | asset | ₹727.38 | ₹654.64 - ₹800.12 | +150.0% | Book Value/Share: ₹1279.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹581.90 | ₹523.71 - ₹640.09 | +100.0% | Revenue/Share: ₹980.14, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹137.20 | ₹123.48 - ₹150.92 | -52.8% | EBITDA: ₹1519.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹727.38 | ₹581.90 - ₹872.86 | +150.0% | CF Growth: 5.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹158.92 | ₹143.03 - ₹174.81 | -45.4% | EPS Growth: 12.2%, Fair P/E: 9.7x |
| Growth Adjusted P/E | growth | ₹137.25 | ₹123.53 - ₹150.98 | -52.8% | Revenue Growth: 10.5%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹581.90 | ₹523.71 - ₹640.09 | +100.0% | ROE: 12.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹684.98 | ₹616.48 - ₹753.48 | +135.4% | EPS: ₹16.30, BVPS: ₹1279.32 |
Want to compare with current market value? Check CUB share price latest .
Valuation Comparison Chart
CUB Intrinsic Value Analysis
What is the intrinsic value of CUB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of City Union Bank (CUB) is ₹581.90 (median value). With the current market price of ₹290.95, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹137.20 to ₹727.38, indicating ₹137.20 - ₹727.38.
Is CUB undervalued or overvalued?
Based on our multi-method analysis, City Union Bank (CUB) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 8.20 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 12.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for City Union Bank
Additional stock information and data for CUB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,128 Cr | ₹1,068 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹436 Cr | ₹383 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹724 Cr | ₹688 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹1,166 Cr | ₹1,135 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹922 Cr | ₹903 Cr | Positive Free Cash Flow | 8/10 |