City Union Bank Intrinsic Value
CUB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹202.80 | ₹162.24 - ₹243.36 | -28.0% | EPS: ₹16.90, Sector P/E: 12x |
| Book Value Method | asset | ₹704.25 | ₹633.83 - ₹774.68 | +150.0% | Book Value/Share: ₹1279.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹563.40 | ₹507.06 - ₹619.74 | +100.0% | Revenue/Share: ₹1019.73, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹175.04 | ₹157.54 - ₹192.54 | -37.9% | EBITDA: ₹1575.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹704.25 | ₹563.40 - ₹845.10 | +150.0% | CF Growth: 5.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹178.54 | ₹160.69 - ₹196.39 | -36.6% | EPS Growth: 13.2%, Fair P/E: 10.6x |
| Growth Adjusted P/E | growth | ₹143.04 | ₹128.74 - ₹157.34 | -49.2% | Revenue Growth: 11.6%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹563.40 | ₹507.06 - ₹619.74 | +100.0% | ROE: 13.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹697.47 | ₹627.72 - ₹767.22 | +147.6% | EPS: ₹16.90, BVPS: ₹1279.32 |
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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 ₹563.40 (median value). With the current market price of ₹281.70, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹143.04 to ₹704.25, indicating ₹143.04 - ₹704.25.
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 | 13.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | 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 |