City Union Bank Limited
CUB · General/Diversified · NSE
₹249
Current Market Price
Fair Value (DCF)
₹338
Margin of Safety
+35.8%
Updated just now
YieldIQ Score
66/100
Piotroski F-Score
6/9
Economic Moat
Wide
Confidence
70%
ROE
11.9%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.19 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.05×
Revenue per ₹ of assets
Revenue CAGR (3Y)
5.9%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹249.07
Bear case
₹189.29
MoS -31.6%
Base case
₹338.35
MoS +26.4%
Bull case
₹401.5
MoS +38.0%
Ratio Trends
CUB · last 7 annual periods
ROE
11.9%
ROCE
—
Operating Margin
—
Debt / Equity
0.19×
PE
10.0×
EV / EBITDA
—
Historical Financials
CUB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | ₹2973 Cr | — | ₹3214 Cr | +2.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | ₹937 Cr | — | ₹1124 Cr | +4.6% |
| EPS (diluted) | ₹7.97 | ₹10.18 | — | ₹3.42 | — | -19.1% |
| CFO | — | — | ₹724 Cr | — | ₹1128 Cr | +11.7% |
| CapEx | — | — | ₹-99.0 Cr | — | ₹-198 Cr | — |
| FCF | — | — | ₹625 Cr | — | ₹931 Cr | +10.5% |
| Total Assets | — | ₹61.5K Cr | ₹66.6K Cr | ₹70.8K Cr | ₹77.6K Cr | +6.0% |
| Total Debt | — | — | ₹4688 Cr | — | ₹1790 Cr | -21.4% |
| Shareholders' Equity | — | — | ₹7457 Cr | — | ₹9467 Cr | +6.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CUB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| RBLBANK RBLBANK | — | — | Pending | 4.6% | — |
| PSB Punjab & Sind Bank | -17.1% | 23 | Overvalued | 7.6% | — |
| J&KBANK J&KBANK | — | — | Pending | 14.7% | — |
| UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
| TMB Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 13.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
11 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹6.00/sh
Last payout
2025-08-01
₹2.00
Peak payout
₹2.00
Trailing yield
0.80%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. City Union Bank Limited (CUB.NS) trades at 249.07 vs a model fair value of 338.35, a gap of 35.8%. Piotroski F-score: 6/9. Moat label: Wi...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of CUB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for CUB →
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Head-to-head with peers
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Analyse CUBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.