City Union Bank Intrinsic Value
City Union Bank (CUB) median intrinsic value is ₹439.50 from 8 valuation models (range ₹149–₹659), vs current price ₹219.75 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Analyse CUB shareholding pattern to track promoter, FII and institutional holdings.
CUB Valuation Methods Summary — DCF, Graham Number & P/E
City Union Bank intrinsic value across 8 models vs current price ₹219.75 — upside/downside and value range per method. Read City Union Bank dividend payments for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹214.56 | ₹171.65 - ₹257.47 | -2.4% | EPS: ₹17.88, Sector P/E: 12x |
| Book Value Method | asset | ₹549.38 | ₹494.44 - ₹604.32 | +150.0% | Book Value/Share: ₹1279.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹439.50 | ₹395.55 - ₹483.45 | +100.0% | Revenue/Share: ₹928.38, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹549.38 | ₹439.50 - ₹659.26 | +150.0% | CF Growth: 5.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹211.87 | ₹190.68 - ₹233.06 | -3.6% | EPS Growth: 14.8%, Fair P/E: 11.8x |
| Growth Adjusted P/E | growth | ₹149.49 | ₹134.54 - ₹164.44 | -32.0% | Revenue Growth: 9.0%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹439.50 | ₹395.55 - ₹483.45 | +100.0% | ROE: 14.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹659.25 | ₹593.33 - ₹725.18 | +200.0% | EPS: ₹17.88, BVPS: ₹1279.32 |
CUB Intrinsic Value vs Market Price — All Valuation Models
City Union Bank fair value range ₹149–₹659 vs current market price ₹219.75 across 8 valuation models. For current market price and key ratios, visit City Union Bank share price today.
CUB Intrinsic Value Analysis — Undervalued or Overvalued?
City Union Bank median intrinsic value ₹439.50, current price ₹219.75 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of CUB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of City Union Bank (CUB) is ₹439.50 (median value). With the current market price of ₹219.75, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹149.49 to ₹659.25, indicating ₹149.49 - ₹659.25.
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%.
CUB Financial Health — Key Ratios vs Industry Benchmarks
City Union Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 14.0% | 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 | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CUB Cash Flow Quality — Operating & Free Cash Flow
City Union Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |