City Union Bank Limited

CUBNotably above fair value

A 6-pillar fundamental profile. Each pillar scored 0–10.

6.0/10 composite
Prism for CUB.NS: composite 6.0 of 10, verdict Notably above fair valuePULSEQUALITYMOATSAFETYGROWTHVALUE7.96.44.35.26.06.5

Pulse

7.9 · Positive

Analyst revision trend (fallback)

Pulse tracks recent momentum in price, analyst revisions, and news sentiment. Higher means more positive near-term tailwinds.

Quality

6.4 · Moderate

ROA 1.37%, ROE 12.6%, C/I 48%

Quality captures profitability, return on capital, and earnings consistency. Higher means a better business.

Moat

4.3 · Weak

Scale (mcap 18,982 Cr), C/I 48%

Moat estimates durable competitive advantages — brand, scale, switching costs. Higher means more defensible.

Safety

5.2 · Moderate

Book-value franchise proxy P/BV 1.80

Safety looks at balance-sheet quality, leverage, and cash generation. Higher means lower financial risk.

Growth

6.0 · Moderate

Adv YoY 9.6%, Dep YoY 9.2%, PAT YoY 10.6%

Growth reflects revenue and earnings expansion over recent years. Higher means faster compounding.

Value

6.5 · In peer range

P/BV 1.80x vs broad market median 2.57x (2050 peers)

Value measures how the stock's price compares to its intrinsic worth. Higher means more discount to fair value.

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Model estimate. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.

City Union Bank Limited (CUB) Prism — YieldIQ