City Union Bank Intrinsic Value
City Union Bank (CUB) median intrinsic value is ₹471.58 from 10 valuation models (range ₹71–₹707), vs current price ₹235.79 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit City Union Bank share price today.
CUB Valuation Methods Summary — DCF, Graham Number & P/E
City Union Bank intrinsic value across 10 models vs current price ₹235.79 — upside/downside and value range per method. Check CUB market value to track the company's total market size over time.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹211.20 | ₹168.96 - ₹253.44 | -10.4% | EPS: ₹17.60, Sector P/E: 12x |
| Book Value Method | asset | ₹589.48 | ₹530.53 - ₹648.43 | +150.0% | Book Value/Share: ₹1427.70, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹471.58 | ₹424.42 - ₹518.74 | +100.0% | Revenue/Share: ₹1120.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹471.58 | ₹424.42 - ₹518.74 | +100.0% | EBITDA: ₹1793.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹589.48 | ₹471.58 - ₹707.38 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹120.57 | ₹108.51 - ₹132.63 | -48.9% | EPS Growth: 8.6%, Fair P/E: 6.9x |
| Growth Adjusted P/E | growth | ₹148.31 | ₹133.48 - ₹163.14 | -37.1% | Revenue Growth: 10.7%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹471.58 | ₹424.42 - ₹518.74 | +100.0% | ROE: 13.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹707.37 | ₹636.63 - ₹778.11 | +200.0% | EPS: ₹17.60, BVPS: ₹1427.70 |
| Dividend Yield Method | dividend | ₹70.74 | ₹63.67 - ₹77.81 | -70.0% | DPS: ₹2.00, Target Yield: 4.0% |
CUB Intrinsic Value vs Market Price — All Valuation Models
City Union Bank fair value range ₹71–₹707 vs current market price ₹235.79 across 10 valuation models. See CUB book value to compare market price against book value per share.
CUB Intrinsic Value Analysis — Undervalued or Overvalued?
City Union Bank median intrinsic value ₹471.58, current price ₹235.79 — 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 10 different valuation methods, the estimated intrinsic value of City Union Bank (CUB) is ₹471.58 (median value). With the current market price of ₹235.79, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹70.74 to ₹707.37, indicating ₹70.74 - ₹707.37.
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 | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.3% | 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 |
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 2026 | ₹803 Cr | ₹699 Cr | Positive Free Cash Flow | 8/10 |
| 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 |